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Taking your UTV to Mexico? Everything you need to know....

The entire UTV industry is exploding in Mexico.  UTV enthusiasts are flocking to Mexico to enjoy that amazing riding experience and warm welcoming Mexican culture.  Having the ability to drive your UTV in some of the most pristine and beautiful areas in the world is for sure a huge attraction.  Mexico is full of some of the worlds most incredible destinations destinations.  In Mexico the travel enthusiast can head south to sightsee, travel with friends and family, join a UTV tour adventure, or experience some of the many off-road events and races hosted by Mexico.  Who would not be excited to take their UTV down to watch the world-famous Baja 1000 race?     

Going to Mexico with your UTV can be an amazing experience, but you will for sure want to protect your investment with an insurance policy backed by a carrier you can trust.  Our underwriter/carrier HDI Seguros has a reputation for supporting the travel community, and is the only insurance carrier in Mexico we would trust to support our UTV customers.  Through HDI Seguros we offer full coverage off and on the trailer policies you can rely on.  Not only does our HDI polices protect you and your UTV, they also cover third party liability and make you legal to be driving on the streets of Mexico. 

UTV insurance coverages you can trust.  

  • Physical Damage up to 40K
  • Total Theft and Fire coverage up to 40K
  • Third party liability up to 500K
  • 24/7 legal assistance and bail bond
  • 24/7 roadside assistance and towing

The reasons so many UTV owners choose us. 

  • 24/7 English speaking claims support
  • Backed by an A rated Mexican carrier
  • Full coverage and liability only options
  • Daily, 6 month, and annual overage options
  • High value coverage up to 40K
  • Claims and repairs handled in the US

How to buy the right UTV insurance policy for your trip to Mexico? 

If you are not buying an individual policy on your UTV then you are not properly covered.  Many people go online and buy a policy that includes their truck, trailer, and UTV without knowing that policy is only a towing policy.  This means when you take your UTV off the trailer you have ZERO coverage. 

Our online portal allows you to buy a towing vehicle policy (truck, trailer, UTV) and a separate full coverage UTV policy all in one fast and simple transaction.  We make sure you and your assets are covered the right way. 

Simply start with an auto policy and add the trailer and UTV to your policy.  Our system will ask you if you want full coverage on your UTV.  You simply click YES and you will be prompted to add its coverages. If you choose no you will only purchase a towing policy, which means your UTV is not covered when you remove it from the trailer.     

You will receive your towing policy and UTV policy emailed to you in just a few minutes. We make it very easy! 

If you already have a policy on your truck and trailer you also have the option to just by a single full coverage policy on your UTV.     

FAQ's about taking your UTV to Mexico:

Do I need to buy Mexican insurance for my UTV?   

Mexican law requires all drivers to have insurance while operating a vehicle in Mexico. Having Mexican insurance protects both you and others on the road. Driving without insurance not only violates the law but also leaves you liable for significant risks. UTVs are particularly vulnerable to theft, making it crucial to have adequate insurance coverage. 

Do you insure all brands of UTVs while in Mexico? 

Yes, we do.  We offer full coverage policies for all UTV brands. 

What do I need to cross my UTV into Mexico? 

When you get to the border to enter Mexico you will be asked for your registration. The Mexican agent will match the VIN numbers on your registration to the numbers stamped on the UTV frame.  They do not like titles or certificates of origin. They want a registration and they want the original. Before heading to the border it is very important you make sure your documents are all in order. They will also match VIN numbers on your trailer, and tow vehicle. To cross the border as fast as possible we always recommend to our customers to kill them with organization.  Have all your registrations ready to hand them to the agent to be reviewed all at once.

Do I need to wear a helmet when off-roading in Mexico?

In Mexico, wearing a helmet is mandatory. Unfortunately, compliance with this law is low and enforcement is lax. However, law enforcement expects you to wear a helmet on the highway if your vehicle lacks a windshield, to protect against insects or debris that could cause accidents. Operating UTVs can be hazardous, especially in remote areas far from medical assistance. Therefore, it is essential to prioritize the safety of yourself and your passengers by wearing helmets.

Can I take gas or spare parts for my UTV to Mexico? 

You can cross the the border with the tank of your UTV full, but you cannot cross the border with full separate gas containers.  If you attempt to cross with full gas containers they will confiscate them at the border and/or deny you entry into the the country.  You can take empty gas containers and fill them up once you cross the border.  You can take spare parts but just be aware that often they will try to tax you for bringing too many parts into Mexico. We recommend keeping spare parts at a minimum and if possible take the parts out of the new box or wrapper.  You are only allowed to cross one spare tire that must also be mounted on a wheel.     

Does my UTV need to be street legal to drive in Mexico? 

Your UTV does not need to be street legal to drive or insure in Mexico. However, we advise using hand signals for turning, as most UTVs do not come equipped with blinkers. It is also important to adhere to all traffic laws applicable to traditional vehicles.

Why does my UTV policy not include medical payments? 

No insurance providers in Mexico include medical coverage in UTV policies due to the high associated risks. When operating your UTV in Mexico, it is crucial to prioritize caution and safety. Medical and emergency services are often limited, particularly in remote areas distant from major cities. Therefore, using helmets, safety harnesses, and other protective equipment is paramount for your safety.

Any tips for driving UTVs on the roads in Mexico? 

When driving a UTV in Mexico, it's essential to adhere to all local traffic regulations as you would with a traditional vehicle. This includes using hand signals for turning or changing lanes, as most UTVs lack turn signals. Compliance with Mexican law also mandates having insurance coverage for all vehicles operating on streets or highways. Our UTV policies ensure compliance with these laws, providing legal permission to drive on roads and comprehensive coverage for accidents and liabilities. Failure to maintain insurance can result in your UTV being impounded in the event of an accident, regardless of fault.

Other Driving Tips: 

  • Do not run LED lights light bars, pods, or chase lights on the highways or streets.
  • Be respectful. Slow down and keep the dust down when driving in neighborhoods, by houses, ranches, or other passing cars.
  • Wear your helmet, and harnesses/seat belts whenever on the road.
  • Come to a complete stop at all lights and stop signs.
  • If you open a gate close it.
  • Stay off private property.
  • Use hand signals when stopping and turning.
  • Hug blind corners.  Most trails in Baja are used every day by locals to get to work, school, or to go shopping. If you can not see around a corner assume someone might be coming.  Drive smart!

My state does not require me to register my UTV.  What do I do? 

Although many states do not require you to register your UTV they will still allow you to do it.  Meaning you can still register it very inexpensively if you choose to. If you are going to Mexico we highly recommend registering your UTV so you can obtain an actual registration card. This will insure you successfully cross the border with no issues. 

Do I need to have a whip or flag on my UTV when driving in Mexico? 

There is no flag or whip law in Mexico. We see the use of flags and LED whips as positive and encourage anything that improves safety and protection.  

Do I really have to insurance my trailer when I travel south? 

In order for you to be properly insure we must add the trailer to the policy. Adding the trailer to your policy increases the cost very little.  If you were to be in an accident with your trailer or if your trailer causes an accident and it is not on the policy you will be held accountable.  It is a very small price to pay to make sure you are protected. 

Is it cheaper to just buy an annual policy on my UTV? 

There are huge discounts for 6 month and 1 year annual UTV policies.  The rule of thumb is if you plan on taking your UTV to Mexico more than 20 days in a calendar year the annual policy is best deal.  As of July 27, 2022 an annual policy on a 40K value UTV is $815.40 and the 6 month policy is $647.24

Should I carry my registration with me in my UTV? 

Yes.  If you are pulled over by the police or you go through a police checkpoint it is not uncommon to be asked for your registration.  We recommend always carrying your drivers license, FMM, registration, and proof of insurance with you. 

Is roadside assistance included in my UTV policy?

Yes.  If you are stranded simply take advantage of your HDI roadside assistance & towing.  Each UTV policy includes up to $1000 in towing which is usually plenty of money to get you back to your hotel, your truck, or a mechanic shop.  

Are the hotels in Mexico safe to park my UTV overnight? 

Hotel security varies significantly. Some hotels provide enhanced security features, such as guards and gated premises. We strongly recommend choosing accommodations with robust security measures. Additionally, you can enhance your UTV's security by using locking cables, parking it between other vehicles, removing the steering wheel, installing a GPS tracker, and/or adding a kill switch. 

Will I have any gas issues with my UTV in Mexico?

In Baja, fuel availability can be limited in many areas, making route planning essential. You may need to carry extra fuel using a gas bag or Rotopax, or have a chase truck equipped with additional fuel. As you travel further south, finding premium or 91-octane gas becomes increasingly difficult. If you drive a turbocharged vehicle that requires premium fuel, consider carrying an octane booster to ensure optimal performance.

Driving your UTV  in Mexico can be an amazing adventure.  The diverse landscapes of Mexico offer travel enthusiasts an exhilarating playground with so many different terrains. 

From the iconic Baja 1000 route to hidden gems off the beaten path, Mexico's roads  cater to all skill levels. Roaring through the undulating desert of Baja California or navigating the challenging trails of the Sierra Madre mountains, traveling in Mexico guarantees an adrenaline rush like no other.

What sets Mexico apart is its unique blend of breathtaking scenery and cultural encounters. You might find yourself tearing through a pristine beach one moment and then cruising through a traditional village the next. The thrill of off-roading is coupled with the opportunity to immerse yourself in the local culture and savor authentic cuisine along the way.

Whether you're behind the wheel of a dune buggy, ATV, or a rugged 4x4, the camaraderie among travel enthusiasts is palpable. The shared passion for conquering untamed landscapes creates bonds that transcend language barriers, making every pit stop an opportunity to connect with like-minded adventurers.

The beauty of traveling in Mexico lies in the unexpected discoveries – stumbling upon a hidden cenote, encountering local wildlife, or witnessing a mesmerizing sunset over untouched horizons. It's not just about the traveling; it's about embracing the wild spirit of Mexico while respecting its natural wonders.

So, if you're seeking a dose of adventure that marries excitement with cultural immersion, Mexico's UTV experience is beckoning.  Whether you're a seasoned traveler aficionado or a newbie craving a thrill, the Mexican terrain promises an unforgettable journey filled with excitement, camaraderie, and the awe-inspiring beauty of uncharted territories.

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