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The bottom line for getting the right boat insurance in Mexico
Boat owners, quite rightly are pretty fastidious about their insurance. Marine insurance is no joke, and when you’re talking about getting insurance in another country, it can be tricky, particularly if you’re new to the country and don’t know your way around.
Boat insurance has always been a bit more complex than “normal” insurance. The range of liabilities is different, to start with. There’s a difference between car insurance and insuring yourself for an encounter with some of the big ships in the Gulf or on the west coast, or having a problem resulting from “interesting” maneuvers by other boats.
If you’re looking at your needs for boat insurance for Mexico there’s a company called West Coast Mexico Insurance (aka West Coast Insurance in the US) which is a good benchmark service for American boat owners. This company is a general insurer as well as a marine insurer, and they specialize in providing insurance for expat Americans.
This is a good all-round business model for their clients, too. They operate on both sides of the border, and their insurance is “American style” insurance, so it’s very easy to understand. Even people who’ve lived in Mexico for years tend to prefer the familiar insurance model.
(It really doesn’t matter how well you speak Spanish when you’re talking insurance. The rules differ, the laws differ, and the cover differs according to Mexican law. The best move is to stick with the coverage you really do understand.)
Their Mexico boat insurance is also tailored to the realistic risk exposure and coverage needs of their clients. If you’re a marine business, for example, your range of risks and liabilities will be very different from a vacation cruiser. They make sure that cover is appropriate for risk management, and that the amount of cover is right for your needs.
For more information, please see their website here at www.westcoastri.com. The first thing you’ll notice is that they’re a real one stop shop for insurance. The next thing you’ll notice is that there are plenty of choices of insurance cover. Take the time to explore, then call them and discuss your needs. It will be worth it.
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