Mexican liability (Responsabilidad Civil)
Covers bodily injury and property damage you cause to others in Mexico, up to your policy limit. This is the coverage Mexican authorities look for.
Mexico RV and Motorhome Insurance for U.S.-Plated Rigs
A motorhome is a vehicle, your accommodation and often a tow rig all at once. Mexican liability coverage is required, and the value and length of the unit affect what a carrier will accept.
This page is for U.S.-plated Class A, Class B camper vans and Class C motorhomes. Travel trailers and fifth wheels are towed units, not motorhomes, and are handled differently — ask when you quote so both units are documented.
Who this coverage is for
- Full-time and seasonal RVers driving a U.S.-plated motorhome into Mexico.
- Snowbirds spending a winter in Baja, Sonora or on the Pacific coast.
- Caravan and RV-club travelers who need matching coverage dates for the group.
- RVers towing a car, boat or utility trailer behind the motorhome.
Protection categories available
RV policies weigh the declared value, the length of the rig and what you tow. Higher-value units may be reviewed individually and nothing is final until the carrier accepts the risk at quoting.
Physical damage and theft
Available on full-coverage plans when the vehicle is eligible. Deductibles and exclusions are stated in the policy you receive at checkout.
Legal assistance and bail bond
Legal support and bail bond services after a covered accident in Mexico, subject to policy terms.
Roadside assistance
Towing, flat-tire help, jump-start, fuel delivery and locksmith service inside the covered travel area, subject to availability.
Medical payments
Medical expenses for occupants of your vehicle after a covered accident, up to the limit shown on the policy.
Towed vehicle or trailer
A toad car, boat or trailer behind the motorhome must be declared and is often insured on its own policy. Confirm the setup before you travel.
Contents and personal effects
Belongings inside the RV are generally not included. Ask what can be added or insured separately.
Availability, coverage and pricing are subject to the vehicle, carrier eligibility and the policy terms, conditions and exclusions shown during quoting. Coverage is available only for eligible U.S.-plated vehicles. This page is general information, not a promise of coverage.
How to get a quote
Have the rig class, length and current value ready, plus details of anything you tow.
- Give us the vehicle details: year, make, model, current market value, plate and VIN.
- Choose your travel dates — terms run from one day to a full year.
- Pick liability only or full coverage and review limits, deductibles and price.
- Pay and download your policy and proof of coverage before you reach the border.
Information you should have ready
- Valid driver license for each driver you want listed.
- Vehicle registration or title showing the plate and VIN.
- Year, make, model and current value of the vehicle.
- Trip start and end dates, and an email for your policy documents.
- A Banjercito temporary import permit (TIP) if you travel beyond the free zone.
- RV class (A, B or C), length, and the accurate current value of the unit.
- Details of any towed car, boat or trailer, including its value and plate.
Frequently asked questions
Are all motorhomes eligible?
No. Eligibility depends on class, length, age and value, and higher-value rigs are reviewed case by case at quoting.
Is my towed car or trailer covered?
Not automatically. A toad vehicle or trailer must be declared and often needs its own policy. Handle it before you cross.
Are the contents of my RV covered?
Personal belongings inside the RV are generally excluded from the vehicle policy. Ask what options exist before you travel.
What about long stays of several months?
Terms up to a full year are available, which suits a winter season better than extending a short policy repeatedly.
Do I need a temporary import permit for an RV?
Beyond the free zone or Baja California, yes, and any towed unit usually needs its own permit. See our Banjercito guide.