Mexico tourist auto insurance
Novamar Mexican Auto Policy Features
A fully-staffed office in Mexico, fluent in English and Spanish, is available to assist you.
Novamar partners with only top-rated underwriters like Chubb, Quálitas, and HDI to best serve our clients.
Our companies pay claims based on U.S./Canadian repair rates and in U.S. dollars whenever possible.
Bilingual legal assistance available.
In the event of a serious accident, transportation may be provided to the nearest appropriate hospital, as needed.
Our experienced bilingual in-house claims team is ready to assist you and help in the communication between you, your insurance company, and the adjuster assigned to your case during the claim process
Roadside assistance available 24/7
Airline tickets to continue your trip or to return home in case of serious accident. Add-on coverage.
Coverage descriptions are provided for general informational purposes only. Actual coverage is subject to the terms, conditions, limitations, and exclusions of the applicable insurance policy.
With offices in the US and in Mexico, Novamar is always at your service.
Our Mexico office is fluent in English and Spanish, assuring a familiar voice when you need it most.
Top-Rated Underwriters
If you will be driving an auto in Mexico with foreign license plates, know that the vehicle insurance coverage you rely on at home does not protect you once you cross the Mexico border. As the US State Department advises on its website:
U.S. automobile liability insurance is not valid in Mexico, nor is most collision and comprehensive coverage issued by U.S. companies. Motor vehicle insurance is considered invalid in Mexico if the driver is found to be under the influence of alcohol or drugs.
Some US and Canadian auto insurance policies may state that they extend collision coverage for your vehicle on infrequent, short-distance trips into Mexico, like trips under 25 miles from the border. But in the event of injury to others or damage to another person’s property, please know that Mexican authorities do not recognize auto insurance policies from companies located outside Mexico.
Mexico requires Mexican vehicle liability insurance from a Mexican-domiciled insurance company.Novamar Insurance Mexico can provide Mexican liability insurance for your auto, van, RV, truck, ATV, motorhome, or motorcycle registered outside of Mexico. Novamar’s Tourist Auto policies offer full collision and comprehensive coverages at competitive pricing.
Due to a number of factors, driving in Mexico can be more challenging than driving elsewhere. Learn to expect the unexpected. You might find someone riding a burro in the middle of the road around that bend, or a herd of goats, or a cow resting in the shade. These things are part of life in Mexico, so anticipate them.
Beware the Missing Sign!Here are some complications related to street signs and highway signs. On highways, you may see only last-minute notice of upcoming exits. Sometimes the only sign is found at the exit itself. In some cities, street signs may be tiles mounted on building corners, which are difficult to see, especially at night.
Also complicating night visibility, street signs may not be illuminated, or they may not be painted with reflective paint. Street numbers are sometimes assigned in the order houses have been built; numbers are not always in consecutive order as you travel down a street. Also, watch out for broken or missing stop signs. Your clue might be a stop sign on the opposite side of the intersection.
Don't Go To JailBe advised that if you drive without Mexico vehicle liability coverage, should you have an accident in Mexico, that omission is likely to land you in jail whether you were at fault or not.
Temporary Import PermitsIn addition to your Mexico liability insurance, you will need a temporary import permit if you will travel beyond Mexico's border zones. You are now free to drive the Baja Peninsula without a temporary import permit for your Auto.
A less expensive Sonora-only permit allows you to drive to Rocky Point in mainland Mexico. To drive in the rest of Mexico, you need the standard temporary import permit. You can get this online, pay by credit card, and receive it via courier up to sixty days before you enter Mexico.
If you're driving beyond border zones into mainland Mexico, get a temporary import permit for Mexico for your vehicle.
Vehicle Registration from Your Country of OriginAlways carry your vehicle registration from your country of origin with you. Mexican authorities may request it to confirm that your vehicle is legally in the country and that you are the rightful owner.
This document is also essential for insurance companies in Mexico to process any claim smoothly. Make sure your registration is always valid and up to date.
Laptops, phones, tablets, jewelry, cameras, passports, and other personal belongings are not covered.
Actual Cash Value BasisInsurance policies pay claims based on Actual Cash Value (ACV), determined by using recognized valuation guides such as J.D. Power or Kelley Blue Book.
Policies do not provide agreed value or replacement value.
Vehicle ValueInsurance policies pay actual cash value, not agreed or replacement value.
Vehicle RequirementsThese coverages are only for Canadian or US registered personal-use vehicles.
Driver RequirementsCoverage is valid only for citizens or residents of Canada or the USA. The driver must have a valid driver’s license.
Territorial RestrictionsMexico auto coverage is only effective within Mexico.
Need help in baja?
From your cell phone, dial 078 to reach an English-speaking Mexican travel official.
