Mexican RV Insurance

UNIQUE OPTIONS THAT MAKE OUR RV PROGRAM BETTER

REPLACEMENT COST/PURCHASE PRICE COVERAGE – Available to be purchased on RV's no more than 2 model years old.  Once the coverage is purchased, in the event of a total loss on a motor home 5 model years old or less, this coverage provides for a 'brand new' replacement cost vehicle.  This is often referred to as ’new for old’ coverage. If the vehicle is greater than 5 model years old, this coverage provides for the payment of the lower of the Rating Base or Purchase Price. The Purchase Price is the actual price paid by the insured shown on the bill of sale. In both instances your original investment in the RV is protected. This coverage expires after the 10th model year.

$1,000,000 LIABILITY LIMITS IN THE UNITED STATES – First $1,000,000 available through Progressive Insurance. $2,000,000 Available Soon!

24-HOUR TOWING & ROADSIDE ASSISTANCE COVERAGE – Progressive provides coverage TO THE NEAREST QUALIFIED REPAIR FACILITY and necessary labor at the place of disablement due to mechanical or electrical breakdown, dead battery, flat tire, lockout, insufficient supply of fuel, oil, water or other fluids, or entrapment in snow, mud, water or sand within 100 feet of the roadway. Coverage is extended to trailers and vehicles being towed by a motor home and vehicles towing travel trailers. Immediate roadside assistance can be obtained 24 hours a day, any day of the week, anywhere in the U.S. or Canada. There is no limit to the number of occurrences and the deductible does not apply.

DIMINISHING DEDUCTIBLE – For each claim free renewal of your RV policy the original comprehensive and collision deductibles shown on the deck page will be decreased by 25% until the fourth renewal at which time the deductible is $0. (After a claim is made, the deductible will return to the original amount.) This is included
in the deluxe package.

 Sage Mexican Insurance MEXICO PHYSICAL DAMAGE COVERAGE – Extends physical damage coverage to your RV while it is in MEXICO. (Mexico requires the insured to purchase separate Mexican Insurance for liability.)

$1,000,000 CIVIL LIABILITY – This coverage protects you in the event you cause bodily injury or property damage to others.  

24-HOUR CRISIS ASSISTANCE, LEGAL AID PROTECTION & MEDICAL PROTECTION – Includes services of an attorney, payment for bonds, judicial costs, fines, medical assistance, emergency road service and tourist information. Just call our 800 #; it’s that simple. 

OTHER AVAILABLE OPTIONS

EMERGENCY VACATION EXPENSE – If your RV becomes inoperable due to a covered loss more than 50 miles from home, Emergency Vacation Expense Coverage pays for reasonable temporary living facilities, transportation and the cost of returning your RV. You can either select a $750 or $2,000 limit.

 REPLACEMENT COST PERSONAL EFFECTS – Pays up to the specified REPLACEMENT COST limits for loss of, or damage to, your RV contents that are normally used in conjunction with your RV. Loss of, or damage to, certain items outside the RV is covered up to 25% of the Replacement Cost Personal Effects limit purchased. Up to $99,000 of coverage is available with a $100 deductible.

vacation liability insurance  VACATION LIABILITY – Pays up to the specified limits for bodily injury and property damage for which you are legally liable as a result of an accident that occurs while the RV is used as a temporary vacation quarters. Limits available up to $500,000.

utility trailer insurance  UTILITY TRAILER COVERAGE – Provides up to $2,500 of physical damage coverage for utility trailers used in conjunction with the insured motor home.

fire damage insurance  FIRE DEPARTMENT SERVICE CHARGE COVERAGE – If you pay for comprehensive coverage, this coverage pays up to $1,000 for your liability for fire department charges incurred when the fire department is called to save or protect the insured RV.

MOTOR HOME FULL TIMER’S COVERAGE – Provides broader "homeowner-like" coverage while the Motor Home is used as a permanent or primary residence. The coverage includes:

    • Full Timer's Liability Coverage pays up to the specified limits for bodily injury and property damage for which you may become legally liable.
    • Full Timer's Medical Payments to Other Coverage pays up to $50,000 for medical expenses of others who are injured because of an accident while on the property occupied by the motor home.
    • Full Timer's Loss Assessment Coverage pays up to $5,000 for certain assessments charged to the Full Timer while the Full Timer is an owner or tenant of property in an association.

 

DELUXE PACKAGE – In addition to the diminishing deductible option, this package includes Scheduled Medical Benefits. Scheduled Medical Benefits pays scheduled dollar benefits for Accidental Death and Dismemberment.

DISCOUNTS

You may qualify for the discounts listed below:
    • Safety Course completion
    • Membership in a Recreational Vehicle Association
    • Multi-Policy and Multi-Vehicle Discount - A discount may apply if you have more than one policy, even if it isn't a recreational vehicle.
    • Your vehicle has an Anti-Theft Device

We also offer discounted rates for a number of situations.
    • Mature Operators
    • Baby Boomers
    • Financially Responsible Drivers
    • Casual Users

RV SEASON IS COMING--ARE YOU READY? FOLLOW THESE 10 TIPS FOR YOUR RV:

To prepare your recreation vehicle for that first day of travel, RV Insurance recommends the following (be sure to refer to your Owner's Manual for specific maintenance instructions):

1. First things first. Remove any protective covers and wash the exterior. Air out the interior by opening all roof vents and windows. Remove any pest control items you may have placed to protect interior and exterior compartments during winter storage. Clean or replace air conditioner filters.

2. Check the exterior. Inspect the roof and body for signs of damage. Look for deterioration of seals around the doors, roof vents and windows, reseal if necessary. Remember, old sealant must be removed before new sealant can be applied. Now is also a good time to lubricate hinges, locks and other moving parts. If you have an awning, roll it out and check for damage, mildew and insects. Inspect the headlights, including high and low beams, the taillights, brake lights, and turn signals. If you have a towable, be sure to examine the hitch system for wear, loose bolts and cracks.

3. Change the engine oil and spark plugs. Many motor home manufacturers recommend that in addition to regular scheduled oil changes, you should change the engine oil and filter prior to storage and in the spring. During storage, the oil can separate causing a condensation buildup that may harm your engine. While you're there, replace the spark plugs. Be sure to set the gaps to the recommended manufacturer's setting using a gap setting tool. You will also want to check and clean the carburetor or service the fuel injection system, replace the air filter and top the brake and power steering fluids. Don't forget to change the transmission fluid and filter.

4. Check the battery. Clean the cables and terminals with a wire brush, grease and reconnect. Depending on your battery, you may have to fill the cells with distilled water.

5. Check the cooling and fuel systems. You need to flush and replace the old antifreeze with a proper coolant. Be sure to check for cracks in all hoses and fan belts and replace if necessary. Replace the fuel filter and examine the fuel lines and fittings for cracks and leaks.

6. Flush the water system. Close all faucets, including the shower head. Drain and flush the nontoxic antifreeze you used in storing your recreation vehicle from your entire water system. You may have to flush the system several times to remove the chlorine taste.

7. Check the liquid propane (LP) system. Connect the tank, open the valve and check the system for leaks by brushing soapy water on all connections. If any leaks are detected, close the valve and take your recreation vehicle to a professional repair facility.

8. Inspect the tires. Check the tires for cracks, worn treads and correct tire pressure. If you have a trailer, remove the storage blocks or jacks. Tighten the lug nuts to manufacturer specifications.

9. Prepare for a safe season. Even after all the mechanical components have been checked, you should never set out on a trip without proper safety equipment. Install new batteries in smoke and carbon monoxide detectors. Check the expiration dates on fire extinguishers. Restock the supplies in the first aid kit.

10. Be sure you're covered. After making all the routine checks listed above, check your insurance policy and review your coverages to make sure they meet your current needs. Do you have full timer's, emergency vacation expense and personal effects coverage? You'll want to make sure you are adequately covered. It is also important to know how to report a claim to your insurance company. Progressive Recreation Vehicle Insurance offers policyholders in-person claims service 24 hours a day, seven days a week. Progressive's specialized recreation vehicle claims representatives can come to you, even at the scene of an accident, and start working on your claim as soon as it is reported and will work toward a fast, fair settlement.

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