Are Trailers Covered On Mexico Tourist Auto Insurance?

Planning to pull a boat or trailer into Mexico? Learn if trailers are covered On a Mexico tourist auto Insurance policy.

When heading into Mexico, whether for a leisurely vacation, visiting friends and family, or staying at your second home or condo, you might find yourself towing various items. Understanding the insurance implications of these towed units is vital to ensure a stress-free journey. Here’s what you need to know about covering trailers and other towed units under a Mexico Tourist Auto Insurance Policy.

What Can Be Towed?

A variety of items can be towed behind your vehicle, and each must be explicitly listed on your insurance policy to ensure coverage. Commonly towed items include:

Various types of trailers like cargo/utility, enclosed, or travel trailers
Recreational vehicles such as pop-up campers, fifth-wheels, or toy haulers
Vehicles for land and water like motorcycles, ATVs, and personal watercraft
Boats, ranging from sailboats to power boats

Why List Every Item?

If you plan to tow anything—from a simple homemade trailer to a combination of a boat and its trailer—it’s crucial to list each item on your Mexico tourist auto insurance policy. Failure to do so could lead to the insurer denying coverage or even voiding your policy in the event of an incident.

Separate Policies for Drivable or Water Units

You’ll need separate insurance policies if you intend to drive any towed vehicles or use watercraft in Mexico. Once a vehicle is off the trailer, its coverage under the tourist auto insurance ceases. This includes any off-road vehicle usage, which is typically excluded from standard auto insurance policies. For boats or watercraft, a specific Mexico tourist boat insurance policy is necessary.

Valuing Your Towed Units

To insure your towed units, you’ll need their year, make, model, and actual cash value. For most vehicles, you can ascertain this value through NADA Guides or Kelley Blue Book for an accurate assessment. Additionally, the VIN or, for watercraft, the Hull Identification Number, along with license or registration numbers, are also required.

Coverage for Personal Belongings

It’s important to note that Mexico auto insurance does not cover personal belongings. A standard homeowner’s policy usually provides worldwide coverage for these items. However, confirm this with your insurance provider to understand the extent of the coverage.

Coverage While Parked

Even when your trailer is disconnected from the tow vehicle, purchasing property damage and total theft coverage ensures your assets are protected against various threats like fire, bad weather, and theft. However, liability coverage ceases once the towed unit is disconnected.

The bottom line

This guide aims to assist you in making informed decisions about towing and insurance, ensuring that your Mexican adventure is as enjoyable and secure as possible. For more insights or to get your policy set up, visit us at MexicoCovered.com or call us at (877) 222-3253.

For more detailed information or assistance with Mexico tourist motorcycle insurance, or RV, our team is here to help you ensure that every aspect of your adventure is secure.

Image courtesy of Bradley Dunn, Filmmaker/Content Creator based in California. IG: @bradleycdunn.