Canadian car insurance driving to Mexico ?

Hello,
We’re based in Montréal Canada. We got our condo in Zihua in 2018 and we always flew there.
We are getting a new car and I’ve been calling insurance to get some quotations.
I’m thinking of driving to Zihua maybe next fall, or fall 2022, but the 3 quotes I got for now cover only Canada and US, not Mexico.
Do anyone know a Canadian insurance company that cover driving to Mexico, or do we have to subscribe an insurance with a Mexican company?
Any experience to share from fellow Canadians ?
Thank you!

Btw I already Google it and found this but I’d like to get some experience from other Zihua lovers if they don’t mind.
https://www.mexperience.com/us-cdn-auto-insurance-while-driving-in-mexico/

Toby, not from Canada but the USA and when I drove down in 2014 my USA car insurance didn't cover past 90 miles into the country and I had to go with a firm that provided Mexican insurance so that when you bring your car in they accept it and get your pass. Granted I was going to Queretaro and I was supposed to take the car out and back in 6 months but after seeing all the USA plates from the 70's, 80's, 90's 00's decided not to and both times got pulled over just played goofy and spoke no Spanish. I'd look at getting the Mexican firm insurance just to be on the safe side. Think I paid $120 for the 6 months back then. Semper!!

You must purchase Mexican Auto Insurance. Mexico only officially recognizes a handful of companies, but the policies are sold by a number of brokers. Here is the most highly recommended broker among the RV crowd: https://www.mexicanautoinsurance.com/

Many US insurers that specialize in RV's continue their coverage while the vehicle is in Mexico EXCEPT for liability, because that must be provided by an approved Mexican insurance company.

Driving down is a great thing to do! There are a few things you have to know about, like getting a car permit. Here is a link to an RV forum that covers all of the things you should need to know: https://www.rv.net/forum/index.cfm/fuseaction/listings/forum/66

If you had had a need to use your Mexican insurance while your vehicle was not legally imported, say the TIP had expired, they would have refused payment. The first thing that they ask for when a claim is made is proof of the proper vehicle paperwork.

We've driven down to Zihua from B.C. 8 or 9 times. Our BC car insurance covers out-of-province and the USA, but does not cover anything in Mexico. We left Quebec 40 years ago....can't recall if you have government car insurance, but assume Quebec is probably similar.
So, you have to buy Mexican car insurance. We've always done it on-line with Lewis & Lewis, out of Los Angeles. They arrange policies with Qualitas, a large Mexican insurer. We had our vehicle stolen and trashed in Zihua, so we have claim experience with Qualitas. Always remember that your policy is with the Mexican insurer, not Lewis & Lewis. Getting any assistance from L & L was like pulling teeth.

In BC, we can get a pro-rated rebate on our annual car insurance for the total time the vehicle was in Mexico. Just provide a copy of the Mexican Temporary Import Permit, (TIP), which shows the dates your vehicle entered and left Mexico.

As far as I know, Mexico Customs still requires you leave a deposit for your vehicle, the amount based on the year of the car. Ranges from about $200 or $300 US up to maybe $500 US for newer vehicles. You can pay in US cash, or put it on your credit card. You get the deposit back (in US cash or a credit on your card) when the vehicle leaves Mexico.

ps Activate your e-mail on Rob's board if you wish to correspond.

I found a couple of insurance brokers online which offer Mexican insurance. Should be somewhere between 300 and 400$ for 6 months.
Good to know that I can suspend the Canadian one being in Mexico, I wasn’t aware.
Thanks!

Good to know that I can suspend the Canadian one being in Mexico, I wasn’t aware.

Thanks!

I wasn't talking about suspending my BC car insurance, because there are costs (fees) involved in doing that. And you wouldn't want to be suspending your Quebec car insurance, because you still have to drive back and forth through the USA, and a Mexican policy doesn't cover you in the USA. So, I'm referring only to a rebate of that portion of your Quebec car insurance that did not cover you for the period you were in Mexico. Whether or not you could get a rebate depends on the terms of your Quebec car insurance .......government or private? Car insurance in BC is government. When we used to drive down to Mexico for 5-6 months, my rebate just about covered the full cost of the 6 month Mexican policy.

Lean on Talley Hoe (sorry guys). I did a couple of years ago and I had a trip of a lifetime (with two dogs). Smooth..Crossed at Laredo. Took 5 days to get down there and 3 days to get back (covid). Safe travels....Hope to also do it again in January.

In Qc it’s a combination of public insurance (someone hurt in a car accident will be covered in any cases) and private (damages to your car, civil liability). I might suspend both while in Mexico, as I could if the car stays in the garage for a few months. I will need to check that.