Can I buy a Mexican car rental insurance policy for my rental?

Absolutely. There are, of course, exceptions and other things that you need to know first. First, the vehicle must be rented in the United States or Canada - it cannot have Mexico plates. Second, you must get permission from the rental company to take the vehicle out of the country. Once you have taken care of those two steps, you should be clear to give us a call at (888) 800-9988 to obtain your Mexican car rental insurance.

If you absolutely must hire an auto in Mexico, there is one possible way to protect yourself. You could rent the vehicle using a Visa or MasterCard credit card that covers partial damages. Before going this route, though, make sure to call up the Visa/MC company to ask what the deductible will be. The last thing that you need is to get stuck with an exorbitant deductible that you can't pay.

Make sure to be very clear when you call the Visa/MC company about worldwide car for hire coverage. You should be absolutely positive that your card will protect you. Otherwise, you can end up in a world of trouble South of the border.

Another thing to keep in mind is that you should only need liability coverage. If you have to pay for full coverage, you’ll practically double the price that you pay to rent a vehicle. By far, the simplest way to go is to hire a car in the U.S. or Canada and drive it down. That way, you can buy comprehensive Mexican insurance and you won't need to worry about jumping through all of these aggravating hoops.

Once your US reservation is made and you know the make, model of the car you are renting:

  • Additional Notes: Call 1-888-800-9988 and order your policy by telephone and we'll be happy to fax or email a policy to you. When renting from the US, you must have permission from your car company to enter Mexican territory.
  • All rental vehicles must be US or Canadian plated, as vehicles with Mexico Plated are prohibited.

Policies offered on the internet are designed for US and Canadian tourists driving their own vehicles with United States or Canadian License plates, NOT Mexico plated vhicles. Mexico plated vehicles can not be covered. We can offer a partial solution however. Our suggestion would be to pay for the rental with a credit card that covers the physical damage to for hire vehicles worldwide. Ask up front what the deductible is.

Our experience is that benefit departments working for credit card companies are sometimes not really sure what you are asking, so make sure to ascertain what is covered and what you are responsible for before you use this technique.

Most of the premium is developed from the physical damage portion of any Mexican car insurance policy, so you should be able to save two-thirds of the premium that a full coverage policy would generate , especially if the rental is worth more than $25,000.

We suggest you then pay for Liability only. You should pay around $10 per day for $100,000 Liability Limits. Otherwise Full Coverage South of the Border is $30.00 plus per day. (as much as the actual cost to hire the vehicle) If you believe this info was helpful please feel free to post a review on TRUSTLINK for our Better Business Bureau account. Can I buy a Mexican car rental insurance policy for my rental?

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