BajaBound: A great organization!

If you’re headed into Baja, you need to have Mexican insurance on your car, truck, motorcycle, or motor scooter.  Your regular US motor vehicle insurance won’t be recognized as meeting this requirement in Mexico.  It’s that simple.

At the risk of being challenged by a keyboard commando telling me that you don’t have to have insurance in Mexico, I’ll say at the outset that what you need is proof of financial responsibility for liability incurred as the result of a motor vehicle accident.  Yeah, there are other ways of getting around this.  You can arrange a bond in advance with a Mexican bank (not very practical), you can carry enough cash to meet Mexico’s upper liability limits (just bring $333,000 in cash with you to show to the officer if you are stopped) or you can get Mexican insurance.  Door No. 3 is the obvious answer.

You might be tempted to just blow off the requirement for Mexican insurance, and you might get away with it. Then again, you might not. If you are stopped (or worse, you have an accident) and you can’t produce proof of Mexican insurance, you are going to be spending a lot more time in Mexico (and the accommodations will dramatically different) than what you originally planned. Trust me on this. It’s just not worth the risk.

I’ve been traveling in Baja and other parts of Mexico for close to 30 years, and I’ve tried several different outfits. To cut to the chase, BajaBound is the easiest and best way to insure your vehicle. What I like about it is that it’s all done online, it’s inexpensive, and it’s a quality product. What you need to get insurance is an internet connection, your driver’s license, a credit card, your bike’s registration, and a printer. That’s it.

I always buy my insurance a day or two before I travel to Baja, and I always set it up to start the day I enter Baja (and just to be on the safe side, I insure for one day longer than I plan to be south of the border). If you’re new to BajaBound, you’ll answer a few questions about yourself to set up an account the first time you visit their website, and then you’re ready to start making selections (how many days, how much coverage, etc.). If you’ve insured previously with BajaBound, all you need to do is log in, specify the vehicle you’ll be using (super easy if it’s one you’ve previously insured), specify the dates, and pick the coverage you want. In my case, it typically works out to something south of $20 per day, and that’s a hell of deal.  You pay with a credit card, the policy is immediately available, and all you need to do is print the proof of insurance and you’re good to go.

I’ve been lucky. I’ve never needed to use my BajaBound insurance because I never crashed my car or motorcycle in Mexico. On one of the tours I led in Mexico, though, one of the guys I rode with had a bad crash. He got through it okay, but the motorcycle did not. My friend put in a claim and BajaBound paid promptly. This is the real deal, folks. It’s good insurance, it’s easy to get over the Internet, it meets all of Mexico’s legal requirements, and when necessary, they pay promptly. It doesn’t get any better than that.  It’s the only insurance I use for my Baja forays.

Would you like to know more about riding in Baja?   Hey, it’s the best riding on the planet!  Check out our ExhaustNotes Baja page for the best routes, hotels, restaurants, whale watching, cave paintings, and more!   Do a search here on the ExhaustNotes blog using the search term “Baja.”   Better yet, pick up a copy of Moto Baja, available now on Amazon.com!