Mexican insurance policies offered by Discover Baja are for tourist use only. They are not valid if the vehicle is used for commercial purposes, nor are they available to residents of Mexico.

Neither Mexican-registered, -licensed or -plated vehicles, nor Mexican nationals residing in Mexico qualify for this insurance coverage. Furthermore, if a Mexican national is driving your insured vehicle, your insurance is null and void. If they are driving any vehicle with US plates, but without a US citizen in it, the car can be confiscated by authorities and may not be returned to the owner.

US and Canadian driver’s licenses are valid in Mexico, and any non-Mexican licensed driver authorized by the vehicle owner to operate the vehicle is covered while driving the car. Policy coverage is null and void if the driver is under the influence of drugs or alcohol.

Pilferage of personal items from a vehicle is not covered by Mexican insurance policies. Most US and Canadian homeowners or renters policies will cover such theft in a foreign country, or can add such coverage to an existing policy.

Partial theft (of vehicle parts) and vandalism are excluded for most policies unless special premium coverage for the vehicle is purchased.

If your car is leased in the US, you need to check with the leasing company and lien holder who holds title to your car to get permission to drive the car into Mexico. Leasing companies may have different procedures for granting permission to cross the Mexican border with their vehicle and for the type of verification you must obtain prior to travel.

If your car is rented in the US, the rental company may insist that Mexican insurance be purchased from them. If they allow the vehicle to be driven into Mexico, but do not offer Mexican insurance, Discover Baja can provide the necessary insurance with written permission from the renting company. Vehicles rented in Mexico cannot be covered with these policies, since they have Mexican license plates.

If you are taking a vehicle into Mexico that is owned by someone else, a notarized letter of permission from the owner stating that you are authorized to drive the car into Mexico is required. The policy will be made out in both the owner’s name as well as yours.

Any towed boat, trailer, vehicle etc. must be declared on the policy. If this is not done, all coverage will be voided in case of an accident. The towing disclosure and coverage can be added to any existing policy by calling the Discover Baja office 800 727-BAJA (2252).

Towed boats on a vehicle policy are only covered while in tow—not on the water. On-water, liability or hull coverage, requires separate insurance.

Do not under-insure your vehicle! You want to insure your vehicle for the Actual Cash Value – which can quickly be determined by using Kelly Blue Book or NADA Guides. We recommend using the higher retail value, because you do not want to risk underinsuring your vehicle.

An insurance policy cancelled before it has gone into effect will receive a full refund of the premium, minus a $10 cancellation fee. If it is cancelled after it has gone into effect, the refund will be calculated based on the premium earned during the days the policy was in effect. Note that, due to the extremely low cost of annual policies, the premium is earned during the first 30 days after the policy goes into effect.