Mexico Insurance

[tricepilot]

[Snownut]

Originally Posted by tricepilot

You all are getting fruitcakes for Christmas

Hey, I don't mind fruitcake! Needs to be around 4-5 year vintage though..

[Snownut]

Originally Posted by kantuckid

Now, getting back to the topic of Mexico travel insurance-I'd like to see a solution to the time of coverage/cost problem. On bike trips I've gone for over a month each time but far less than 6 months but end up paying for 6 months insurance as it's cheaper than the month at a time rate. My "ideal policy" would be one with a reasonable amount of liability & also theft coverage for the bike @ say $4-5k level- Solution is???

I've bought from several of the larger sellers(they all pretty much sell the same basic Mexico insurers) & I've have been told by seasoned ins. agents that high levels of liability are a waste in Mexico as they are generally not "sue crazy" as in USA.One guy salid in umpteen years in the business he'd never seen a suit over -it was less than $10k I've also read the opposite that you need high levels there too. Seems most Mexico policies don't allow bike theft coverage either.
SO: Time of coverage vs. costlogical amt. of liabilitytheft coverage???

BTW,I actually like fruitcake-the high dollar Corsicana,Texas kind-not the crappy dimestore version. Of course, fat chance that the above will send me one so said simply in defense of fruitcakes that are the "real ones"!

I read a RR a while back about someone who ran into a Mexican firetruck, the moto burned up but firetruck obviously fared better. It makes me wonder if you were in an accident with a government vehicle would they nail you for big liability? I agree theft is my major concern, and I understand most people stick with liability only, is that because their normal policy covers theft and comprehensive? My agent was positive my policy does not cover liability in Mexico which I expected, but I wasn't sure about comprehensive or theft. He is suppose to get back with me today. He has had policy holders run to Cabo for a few months in the winter in which case he changed the policy to storage for that period of time, but he has never had to deal with a claim down there. Also how critical would the legal representation, bail, bonds etc be coverage be? I have seen that quite often on quotes.

Originally Posted by kantuckid

you've decided to reproach one of the most civil, helpful & seasoned Mexico travelers on ADV. I don't know that I've ever noticed any semblance of SB being what would be called fully pissed off, merely always willing to share benefit of his many travels via constantly monitoring these Mexico travel threads for those times he can interject a bit of wisdom via experience. To the point perhaps but not a dicey guy. !

I suppose what caught me off guard was being accused of going "off topic" when I hadn't, and then being told my post was "pointless" and of no value because of missing key information which was actually in the previous posts. It seems the topic can be changed to fruitcake without repercussions though . Hopefully the mis-communication is cleared up now, I may even buy his book.. ;) Maybe one day I will have the opportunity to run into him and buy him a drink..

[tricepilot]

This is going off topic:



Don't worry about going off topic. We love you, man

[Snownut]

Did you reply to something? I'm having a difficult time seeing any text in your last post!

Agent just called me back and as expected my policy only covers loss in Canada, USA and PR.. Absolutely nada in Mexico.. So its seems with so many buying liability only are people not worried about theft?

[Sjoerd Bakker]

Ride sanely and keep eyes open to any hazards, like intersections , and you can avoid accidents that might destroy a bike.For the occasional minor drops and dings and the bike can be ridden or repaired and in such cases any insurance woukld likely not even kick in as you will be within the deductible limit. So in that case your super-duper- insurance cover is wasted money anyway. You are riding a used bike as soon a s you leave the showroom and its resale value quickly declines
Keep up the accident - free riding and buy only the liability insurance and after a few years you will have saved so much money that you are your own insurance underwriting company if your bike does go up in flames or under the wheels of a KenMex or is stolen by some cretin . Your savings from NOT buying full cover will more than pay for a replacement new motorcycle ( ...hey I found the underline thing and it worked )
Been riding since 1966 and have NEVER bought comprehensive cover for my motorcycles AND have never been in an " at fault "accident which could have used the insurance. either in my car or on the bikes , and have never had reason to regret not buying such comprehensive insurance.
Life is full of risk , minimize it , deal with it, carry on. Be a no- accident driver.
For your personal bodily health carry out of country medical and evacuation insurance, that is all you need .

[Snownut]

Originally Posted by Sjoerd Bakker

Ride sanely and keep eyes open to any hazards, like intersections , and you can avoid accidents that might destroy a bike.For the occasional minor drops and dings and the bike can be ridden or repaired and in such cases any insurance woukld likely not even kick in as you will be within the deductible limit. So in that case your super-duper- insurance cover is wasted money anyway. You are riding a used bike as soon a s you leave the showroom and its resale value quickly declines
Keep up the accident - free riding and buy only the liability insurance and after a few years you will have saved so much money that you are your own insurance underwriting company if your bike does go up in flames or under the wheels of a KenMex or is stolen by some cretin . Your savings from NOT buying full cover will more than pay for a replacement new motorcycle ( ...hey I found the underline thing and it worked )
Been riding since 1966 and have NEVER bought comprehensive cover for my motorcycles AND have never been in an " at fault "accident which could have used the insurance. either in my car or on the bikes , and have never had reason to regret not buying such comprehensive insurance.
Life is full of risk , minimize it , deal with it, carry on. Be a no- accident driver.
For your personal bodily health carry out of country medical and evacuation insurance, that is all you need .

I like to think I strive to be a no accident driver.. I learned to ride a motorcycle on the road in Mogadishu Somalia, where as far as I'm concerned has some of the worst and senseless drivers in the world. I had to ride like I had a target on me and everyone was aiming for me. Gives me very fond memories looking back, a Vespa, Cagiva SXT 125, and a Yami IT465 were the bikes I rode most there.

I can count on both hands the number of times I've been to Mexico and have never driven.. From what I've seen as a cage passenger, Mexico seems to have its share of traffic chaos. My main concern I suppose is theft..

[kantuckid]

Mexico SOP is to put the bike in the hotel courtyard,lobby or Auto Hotel parking space, locked & guarded lot or tied to your ankle while you camp & sleep-any of these on any night will work. I have parked on the stret in a very few hotels situations where it was said to be safe but not usual to do so. I have been to some out of the way spots ,e.g. on the Caribbean coast where an unattended bike was safe in the parking lot of the lodging even though basically unlocked. The place you stay will be able to tell you whats safe for the most part. During the day best not to leave it unattended in a "stealable location" & unattended". Theft insurance is basically a waste there as EVERYONE does the above.
FWIW, Mexico is a place where it's fairly common to pass in a curve/hill/mountain pass,etc.. I went over the high mtn between Tecate & Tijuana many years ago(at the time the cuota had just been built beside the libre) and the many truck,car & bus hulks down in the remote areas waaaaaay down below the roadway was astounding! The roadside is solid memorials anywhere there is a space the whole way through that mtn.. Point is, they pass in curves there,on the hills,etc., so a real issue to beware. Many times a large SUV, PU,Mercedes or other vehicle will blow by you when you least expect it! Beware & careful!

[Mi Vale Madre]

Ada vis global ent inc 951 225 7858 fax 951 225 7857 liability only. Covers your drivers license on all vehicles. Total cost per year 82.99 burt