Information Required for a Quick Quote on a Motorcycle
 = Click on this icons below for Help
Coverage
Begin
Select date for entering Mexico. Your policy will automatically become effective at 12:01 AM if your policy is purchased a day or more prior to entering Mexico. If your policy is purchased the same day you are entering Mexico, then your policy will become effective at the date and time of purchase.
Time Begins
Number of Days
If you need more than 45 days of coverage, it is cheaper to buy a semi-annual policy and posibly an annual policy. On the next page (Quote) you will be able to compare prices and select semi-annual (six month) or annual plans. If you are planning to buy a semi-annual or annual policy  you will see all the available options on the next page.
End Wednesday, May 24, 2017 04:00 AM PST
Third Party Liability
New, important changes in Federal Mexico liability laws!
In the U.S., insurance laws are generally governed by each states legislature. Consequently, each state has its own, usually mandatory, minimum limits required to operate a vehicle in their state. Mexico is no different, and is referred to as Code 502.

Recently, Mexico, or more importantly, each state in Mexico, has increased their minimum liability limits for when someone is killed in an automobile accident. Though this is rare, it is the ultimate reason for insurance, to limit your financial exposure as much as possible.

The limit of ones liability in case of a fatality is based upon the minimum wage scale of the state where this scenario occurs. It ranges from (in U.S. $) as high as $ 543,754 in both Mexican States of Coahuila and Yucatan, to as low as $ 4,659 in the State of Sonora. This link provides a list of each Mexican State and the total U.S. dollar amount(s) subjected to recently updated Code 502.

It is in your best interest that your Mexico Tourist Auto policy at least reflect the minimum limits that are implemented for the Mexican States you are traveling through, as well as the State of your destination.

Obviously, as in the U.S., these are always subject to change, and we still provide a wide range of limits. We are here to assist you, and look forward to answering any questions you may have. Please feel free to call us at 1-800-434-3966. As always, we appreciate your business!
Territory All Territories
Vehicle Information
Motorcycle            
We suggest using either the Kelly Blue Book or the NADA Guide to determine the value of your vehicle.
For Motorcycles valued over US $30,000 please click here.
Motorcycles Exclusions: Motorcycles Towing a Trailer, or Side Car Motorcycles attached or tied to the insured vehicle unless mounted in the bed of a pickup truck and Motorcycles running on rough dirt tracks, or non-conventional roads.
Please enter your motorcycle year.

Motorcycles
For Motorcycles under 15 years of age, are eligible for *Liability only, or **Full Coverage.
For Motorcycles over 15 years of age, are eligible for *Liability only.

For ATVs, ATCs, and Dune Buggies are limited to 3rd Party Liabillity coverage ONLY. Physical Damage, Theft, Medical Expenses, Bail Bond & Legal Assistance are expressly EXCLUDED.

*Liability only meets the legal definition of required coverage (i.e. paid to others for any Bodily Injury, or Physical Damage the insured causes to a 3rd party) including Legal Aid and Roadside Assistance. Does NOT include Physical Damage or Theft benefits to your motorcycle. Medical Payments is specifically EXCLUDED for operators or passengers of Motorcycles.
**Full Coverage is same as above, but DOES include Physical Damage (Collision) and Theft Coverage.

ALL ISSUED POLICIES ARE SUBJECT TO THEIR RESPECTIVE "TERMS & CONDITIONS".
Example: Ducati, Harley Davidson, Honda Motorcycles, Kawasaki, Yamaha, etc. If your Motorcycle is NOT represented in this field, please call our office.
If your vehicle is NOT represented in this field, please call our office. Classics (generally over 20 years of age) Collectibles, Vehicles equipped for competition are not eligible for Full Coverage, but are for Liability Only policies.
This is NOT a Stated Value or All Risk policy. It is what is called an ACV (Actual Cash Value) or Current Market Value policy. If you want Physical Damage on your vehicle (Collision & Theft), then please provide your vehicles ACV. We recommend going to one of the Appraisal Services listed. If you do not want Physical Damage on your vehicle, then please click on Liability Only.
Additional Questions
What will be your Policy Use while you travel in Mexico?
Tourist
If you are using your vehicle for vacation, visiting family, or pleasure.

You must continue to have your U.S. or Canadian Auto insurance in force.

Business
If you vehicle is used primarily for Business Use.
If you drive to and from work, while in Mexico.
If you are a resident and use your vehicle for Business use.

Resident
If you reside in Mexico more than 180 days a year, consecutive or non-consecutive days.
Will there be drivers operating this motorcycle, under 21 years of age?
Answer YES, if YES. If you answer NO and someone under 21 does operate this vehicle, it could alter the policies coverages/benefits.
Does your motorcycle have a "Salvaged" title?
Salvage Title

Once a Car Insurance Company declares a Vehicle a "Total Loss", sometimes they sell the totaled vehicle at an auction for example, to recoup some of their loss. If a Dealership, or individual then purchases that vehicle, and makes it road worthy again, they must provide a "Salvaged Title" to anyone they resale it to. This alerts potential buyers about the vehicles history. Each State has its own word for a Salvaged Titled vehicle such as rebuilt, restored, reconstructed, reconditioned, junk, repaired unsafe, non-repairable and of course, Salvaged.
Is this a rental motorcycle?
Coverage Description

THIS IS NOT AN “ALL RISKS” BUT A “NAME” RISKS” POLICY AND IT ONLY COVERS THE SPECIFIC RISKS AND COVERAGES NAMED IN THE POLICY AND THAT APPEARS IN THE DECLARATIONS PAGE UNDER THE SPECIFICATION OF RISKS PAGE OF THE POLICY.

ALL LOSSES MUST BE REPORTED BEFORE LEAVING THE REPUBLIC OF MEXICO. IF SUCH NOTIFICATION IS
NOT PROVIDED, THE INSURER MAY BE FREE OF ITS OBLIGATIONS UNDER THIS CONTRACT, WITHOUT THE INSURED BEING INDEMNIFIED (PAID).

THE EXACT TERMS, CONDITIONS, EXCLUSIONS AND POLICY PROVISIONS ARE CONTAINED
IN THE ISSUED POLICY.

CURRENT MARKET VALUE

In case of a total loss, the insurance carrier will adjust on the basis of the Current Market Value/Actual Cash Value (ACV) at the time of the accident. It is imperative that a realistic current market value (ACV) of your vehicle be determined. Under-insuring your vehicle(s) may result in financial penalties in the event of a loss, commonly referred to as a co-insurer. If you underinsure your vehicle of its Actual or Current Market Value, then you are susceptible to the Co-Insurance clause. EX: If your vehicles ACV or Current Market Value is $20,000 and you insure it for $10,000, then you have insured it for half of its value. Consequently, the insurance company is obligated to pay for only half of the claim, minus any applicable deductible. Using this example, if your vehicle is stolen, then the insurance company is obligated to pay half of the $10,000 you incorrectly insured the vehicle for, which is $5,000, minus the $1,000 Total Theft Deductible leaving you with a total Claim of $4,000. In Mexico, it is common to use the N.A.D.A. (National Automobile Dealers Association) appraisal service, the most common service used with U.S. Automobile Dealers in the U.S. It is always best to insure 100% to value.

Current or Actual Cash Value of Vehicle: $20,000
You insure it for: $10,000
  = HALF of Actual Cash Value (ACV)
Total Theft Claim on Insured Value applied: $10,000
Insurance Companies responsibility = HALF of what you insured it for
  = $5,000
Deductible = $1,000
Total Insurance Companies responsibility = $4,000 Your out of $16,000

DEDUCTIBLES

For Full Coverage there is an Obligatory Deductible for Collision, Upset, Glass Breakage and Total Theft for each accident/ on each described vehicle, boat and trailer as established in the Specification of Risk page on the policy.

IMPORTANT

A boat/watercraft and its carrier/trailer shall be considered a one unit under the obligatory deductible clause. Coverage applies on while the unit(s) are attached to the described towing vehicle. Boat coverage under this certificate is limited to physical damage sustained while the boat is being towed by or attached to the towing vehicle provided that full coverage has been purchased and required premium been paid on or prior to the effective date of this policy. Immediately after the occurrence of the accident covered by your policy please contact the claims center, and refrain from entering into agreements and arrangements with the other party until the adjuster is present. Instructions on how to file a claim are provided. The required premiums must be paid on or prior to the effective date of policy. You must possess a VALID U.S./Canadian Driver's License.

THIS POLICY IS FOR THE USE OF TOURIST VISITORS TRAVELING IN THE REPUBLIC OF MEXICO. MEXICAN REGISTERED, LICENSED PLATED VEHICLES AND MEXICAN NATIONALS RESIDING IN MEXICO DO NOT QUALIFY FOR THIS COVERAGE.