How to Add Towed Units to Your Mexico Auto Insurance Policy

If you're driving in Mexico and towing items behind your vehicle (like a trailer, ATV, or boat), you want to be sure they are listed correctly on your insurance policy in order to obtain the Mexico coverage you expect. Examples of commonly towed units include the following:

• Cargo/Utility Trailers
• Pop-up Camping Trailers
• Travel Trailers
• Fifth Wheels
• Toy-Haulers
• All-Terrain Vehicles (ATVs)
• Utility or Side-by-Side Vehicles
• Mopeds and Scooters
• Motorcycles
• Boat Trailers
• Sailboats and Power Boats
• Jet Skis and Other Personal Watercraft

Liability Only Coverage

Liability coverage protects you if your towed unit causes an accident while being towed. For example, if an ATV falls off its trailer and damages another car, or the trailer hits another vehicle while driving. Liability coverage pays for damage to other vehicles and property, as well as the medical needs of persons who get injured.

If you insure your car, truck, or RV through Mexpro, liability coverage for your towed units is included. You don't need to list each towed item separately; they are covered automatically.

Full Coverage While Towing

If you want physical damage and theft coverage on your towed units, while being towed, you need to list them on your insurance policy with their actual cash value (ACV). You can find how much each item is worth by checking the private party value or average retail amount from resources like Kelly Bluebook, J.D. Power, or Edmunds. Adding this coverage will increase the cost of your policy.

If you are towing more than one thing (like a boat and a boat trailer, or an ATV and a motorcycle), make sure each item is listed on your policy.

Insuring Towed Units While Being Used in Mexico

If you want to drive the units you are towing in Mexico, you will need a separate insurance policy for each one. This is important because once the vehicle is off the trailer, the towing insurance doesn't cover it anymore.

Keep in mind that this insurance only covers driving on designated roads, not off-roading. Driving on a beach is not covered. GNP DOES NOT offer coverage for towed units once disconnected from the main vehicle.

Campers, Trailers, RVs

If insured by El Aguila or Chubb, your camper, trailer, or toy hauler is covered for physical damage and theft when it is disconnected from your vehicle. GNP DOES NOT offer coverage for towed units once detached from the main vehicle.

Motorcycles, Mopeds, and Scooters

Mexpro's motorcycle policies provide liability, physical damage, and theft coverage on motorcycles, mopeds, and scooters. It does not include medical coverage for the driver or passengers. ATVs and UTVs need a different policy.

Boats and Personal Watercraft

If you are bringing a boat or watercraft to Mexico, you will need a separate insurance policy to protect you while using it. We do not offer full coverage watercraft policies, but you can get liability coverage.

Information Needed to Quote

Before buying insurance, gather the following information for each towed item:

• Year the unit was made
• Make (the Brand)
• Model (specific type or name)
• Value (Actual Cash Value)
• Vehicle Identification Number (VIN)

  For watercraft, you will need to substitute the VIN with the Hull Identification Number.

• License Plate Number and State

  For watercraft, you will need to substitute the Registration Number or Coast Guard Identification Number.

Other Things to Know

• Personal belongings inside your vehicle or boat are not covered by this policy. But if you have homeowner's insurance, it might cover personal items anywhere in the world, so check with your agent.

• If your trailer is parked and disconnected from your vehicle, it is still covered if you have insurance through Chubb or El Aguila. Coverage includes fire; lightning and explosion; strikes and riots; bad weather, and other acts of mother nature.

EXCEPTIONS:

• COVERAGE IS NOT AVAILABLE for any vehicle towing more than one trailer. For example: a second trailer hitched to the back of the first trailer, or a vehicle towed behind a towed trailer.
• You CANNOT TOW USING a motorcycle, All-Terrain Vehicle (ATV), or Utility Vehicle/Side-by-Side (UTV).
• Golf carts cannot be insured while driving on their own.
• Off-road use is strictly EXCLUDED, including beaches.

If you want more details about insuring your towed units, check out our website or contact us now.