Should you take pleasure in bike journeys, then a motorbike journey to Mexico could be the most effective biking adventures on the planet. Mexico has 1000’s of miles of scenic coastal highways, and the inside is filled with quaint little villages and thrilling terrain to discover. However earlier than the enjoyable begins, it’s essential first be sure you have Mexican insurance coverage on your trusty steed.
Mexican insurance coverage is required for all automobiles driving to Mexico. As most individuals know, US and Canadian insurance coverage shouldn’t be acknowledged in Mexico, so it’s essential buy Mexican insurance coverage on your car earlier than getting into Mexico.
You possibly can select to buy both a Mexican Legal responsibility coverage which solely covers damages you trigger to 3rd events (it won’t pay for damages to your bike), or you possibly can select to buy a full protection coverage which additionally contains theft and bodily harm protection on your bike. The legal responsibility coverage will fulfill your authorized obligations in Mexico within the occasion you might be in a site visitors accident, and the total protection coverage will cowl each legal responsibility and damages to your bike. Clearly, the legal responsibility solely coverage will likely be inexpensive.
The place to buy Mexico bike insurance coverage
As of late, most prospects are discovering the web to be the simplest instrument for searching for Mexican insurance coverage. You may also buy Mexican insurance coverage on the border, however this implies you’ll have to wait till the final minute to get your Mexico insurance coverage, and you could not have the ability to simply discover a border insurance coverage location that really covers bikes.
On-line Mexican insurance coverage web sites permit prospects to get an instantaneous quote in lower than a minute, then you should purchase and print your coverage in lower than 5 minutes. Earlier than utilizing a Mexican insurance coverage web site, ensure that to test for a visual legitimate insurance coverage license and a cellphone quantity. As an added precaution, you could wish to name the customer support cellphone quantity simply to ensure there are reside people there prepared that can assist you. Nearly all of those web sites are run by US primarily based insurance coverage brokers who’ve contracts with the Mexican insurance coverage firms, so these brokers are regulated by US legal guidelines.
Full Protection or Legal responsibility Solely?
Solely a handful of Mexican insurance coverage firms will insure bikes, so it’s extremely really helpful that you just safe your Mexico bike via an insurance coverage dealer earlier than you allow on your journey. There are even much less Mexican firms who will present full protection for bikes, so you could have to do some purchasing round.
Of the few firms who present theft and bodily harm Mexico insurance coverage for bikes, this protection is often restricted to road bikes. Race bikes and off-road bikes are often solely eligible for Mexico legal responsibility insurance coverage. Harley Davidsons, Honda Goldwings, and different non-racing sort bikes are often eligible for full protection Mexico insurance coverage 수원손해사정사.
What to search for in a Mexican bike insurance coverage coverage
If you’re solely getting legal responsibility solely, the distinction between insurance coverage firms are very small. Be sure that to get a minimum of $50,000 price of legal responsibility protection, and ensure authorized companies are included with the coverage.
If you’re searching for theft and bodily harm protection, then it’s essential be a bit extra cautious along with your purchasing. There are a couple of protection classes that might make an enormous distinction in how your Mexican insurance coverage declare might be dealt with.
Deductibles: Be sure to know precisely what your deductibles are for each bodily harm and theft. One of the best Mexico bike insurance policies will often have a $500 bodily harm deductible and a $1,000 theft deductible.
Hourly Labor Charges for Repairs Made within the US or Canada: To start with, ensure that the Mexico insurance coverage coverage lets you restore your bike within the US or Canada. Then test to see what hourly labor price the Mexican insurance coverage firm can pay for these repairs. If the Mexican firm doesn’t disclose this quantity, then you possibly can guess that it might be as little as $15 per hour. Solely choose a Mexico bike insurance coverage coverage that pays a minimum of $35 per hour for repairs made within the US, and attempt to discover a coverage that pays the next US labor price.
Medical Evacuation and Journey Help: A number of the higher Mexican insurance coverage brokers will bundle in free medical evacuation and different journey insurance coverage companies. If you’re going to purchase the insurance coverage, you would possibly as effectively get one that features these additional options. An emergency medical evacuation runs wherever from $15,000 – $50,000 nowadays, so this can be a nice protection to have.
After you have your high quality Mexican bike insurance coverage secured, you might be able to get on along with your Mexican bike journey.
A couple of driving suggestions for bikes in Mexico:
By no means drive at evening. The roads will not be effectively lit, and particles and reside inventory are sometimes on the roads at evening.
Drive a lot slower than you’ll on US roads. Most of the Mexican roads will not be effectively maintained, and it isn’t uncommon for particles, sand, or gravel to build up on the roads.