Riding a motorcycle is by nature risky; you never know what you might encounter on the road and you don't want to worry about an accident in Mexico without having the right insurance coverage. Our policy is your protective gear and we want to help you get the one that fits your needs.
Mexican Motorcycle Insurance, Don't cross the border without it!
Sanborn's offers daily policies as well as special discounts on six-month and annual policies.
Contact a Sanborn's agent for assistance 800-273-8508 or find a local agent near you.
Coverage available on Mexican Motorcycle Insurance Policies
- Physical Damage
- Total Theft
- Third Party Liability up to $500,000 CSL
- Excess Liability in case of death of a third party
- Legal Assistance and Bail bond
- Medical Expenses
- Roadside assistance
- GAP coverage
- Accessories and Safety Gear
- Premier Package - Including Vandalism and Partial Theft
- 24/7 Claims Call Center
- Nationwide adjusters in Mexico
- Motorcycle Repairs can be made in the U.S. – includes U.S. labor rates
- Claims settled in U.S. dollars
Mexican Motorcycle Insurance With Property Damage and Theft Coverage
Mexico Motorcycle Insurance physical damage and total theft coverage will pay up to the ACV (actual cash value) of your motorcycle. Coverage is only valid while the motorcycle is being used on municipal roads. Off-roading and any involvement in racing are NOT covered.
Mexico Motorcycle Insurance Third Party Liability Coverage
Mexican Motorcycle Insurance liability coverage is for bodily injury and property damage to parties other than the insured and rider(s) of the insured motorcycle, resulting from the use of the insured vehicle. A Mexico Motorcycle Insurance liability policy fulfills your proof of financial responsibility as required under Mexican Law. With the changes to the law in 2012, it is important that you carry $300,000 in Liability. We recommend that you carry at least $150,000 CSL (combined single limit) Liability and all of our policies automatically include $150,000 Excess Liability in case of the death of a third party. Coverage is only valid while the motorcycle is being used on municipal roads. Off-roading and any involvement in racing are NOT covered.
ACV - Actual Cash Value
Total loss and theft are based on ACV, Actual Cash Value, of your Motorcycle. You can find the value of your motorcycle on Kelly Blue Book or NADA Guide. If you modify your bike, any additions must be supported by receipts and it is important to understand that those additions are subject to depreciation as well. Consult your policy terms and conditions for complete details. Contact us for more information on determining the value of your motorcycle. Please note that motorcycles older than 15 years are not eligible for "full coverage" Mexico Insurance.
Special Equipment, Accessories, Modifications and Adaptations
Through this endorsement, the company will indemnify the insured for the damage to special equipment specified in Sections 1 and 2 of the policy as well as accessories such as sidecars, trike conversion kits, custom exhaust, modifications and adaptations properly and permanently installed to the insured unit other than the those originally installed by manufacturer. The amount paid for the special equipment, modifications and adaptations will be based on their Actual Cash Value (ACV) and will be limited to 20% of the ACV of the insured unit not including the special equipment, modifications and adaptations. In the event of a claim, you will be required to present proof of purchase and installation of special equipment, accessories, and adaptations.
Through this endorsement, the company will indemnify the insured, when due to a collision, for the physical damage to safety gear the insured rider was wearing at the time of the accident. This includes helmet, gloves, jacket, pants, vest and any other safety gear designed to protect the rider only while riding the insured motorcycle. The maximum insured amount is $2,000 USD. Proof of purchase is required, such as receipts or invoices.
Medical Payments Coverage
You and your passenger may be covered by Medical payments coverage for medical expenses associated with an accident while riding your motorcycle, regardless of who is at fault.
ATV's and Golf Carts
We also offer insurance for ATV's and Golf Carts. Please contact one of our local offices so we can help you quote and issue your policy. ATV's and Golf Carts must be street legal (plated). Coverage applies while on conventional roads, no off-roading. Golf carts are covered while on the golf course.