You will need a cruising extension when taking your boat to Mexican waters. However, this extension will only cover the physical damage to your boat. Also, all boats are required under Mexican Law to have liability insurance issued through a Mexican Insurance Company. Without it, you could face serious consequences including fines, impoundment and/or imprisonment.
In the event of an auto or boating accident, Mexican law requires proof of financial responsibility, which is typically done by showing authorities your insurance policy. Without proof of coverage, your boat and vehicle can be impounded until you prove you weren't at fault. Both the Liability and Auto coverage must be issued by a Mexican insurance provider.
Boating in Mexico requires three types of insurance:
- Hull Coverage (your boat insurance policy w/cruising area extension)
- Liability Coverage (issued by a Mexican Insurance provider)
- Automobile Liability Coverage if trailering your boat on land (issued by a Mexican Insurance provider)
BoatUS has partnered with a Mexican insurer who can provide both boat and auto liability coverage. Visit our Mexican insurance partner's website and the quote page for your auto. If you would like a liability boat quote please call them at 844-273-5527.
For hull coverage, your BoatUS or GEICO boat insurance policy requires a cruising area extension when boating in Mexico. You can obtain this extension over the phone by calling BoatUS Policy Services at 800-283-2883.