Terms & Conditions
01Acceptance of Terms
By accessing or using the MexSure website (mexsure.com), requesting a quote, or purchasing a policy through our service, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our services.
These Terms apply to all users of our website, including visitors, quote requesters, and policyholders.
02Our Services
MexSure is an authorized distribution partner for Chubb Seguros México, S.A. de C.V. We facilitate the purchase of Mexican automobile insurance policies for U.S.-plated vehicles operated in Mexico.
MexSure acts as an insurance intermediary. The actual insurance contract is between you and Chubb Seguros México. MexSure is not the insurer and is not liable for the terms, exclusions, or performance of the underlying insurance policy.
03Eligibility
To purchase a policy through MexSure, you must:
- Be at least 18 years of age
- Hold a valid U.S. or Canadian driver's license
- Own or operate a vehicle with valid U.S. or Canadian registration and plates
- Provide accurate and complete information during the quote and application process
MexSure reserves the right to decline coverage requests at its discretion, in accordance with underwriting guidelines established by Chubb Seguros México.
04Quotes & Policy Purchase
Quotes provided through our website or via WhatsApp are based on the information you supply. Quotes are indicative and subject to final underwriting review. A quote does not constitute a binding insurance contract.
Coverage begins only upon successful payment and issuance of a policy confirmation by Chubb Seguros México. It is your responsibility to verify that your policy documents accurately reflect your vehicle, coverage, and dates before entering Mexico.
05Policy Terms & Coverage
All coverage details, exclusions, limits, and conditions are defined in the policy contract issued by Chubb Seguros México. Key points to understand:
- Coverage is valid only within the Republic of Mexico
- Your U.S. or Canadian insurance policy does not extend coverage to Mexico and is not supplemented by a MexSure policy
- Annual policies cover the 12-month period stated on the policy documents
- Short-term policies cover only the specific dates stated — driving beyond the end date is uninsured
- Coverage applies to the specific vehicle listed on the policy — it does not automatically extend to other vehicles
- The policy is issued in Spanish; English versions provided by MexSure are courtesy translations only
06Claims
All claims must be reported directly to Chubb Seguros México using the claims contact information provided on your policy documents. Key requirements:
- Claims must be reported and initiated while you are still in Mexico — do not cross back to the U.S. or Canada before reporting an incident
- Do not admit fault, sign any release, or make payments to third parties before contacting your insurer
- Cooperate fully with Chubb's claims process, including providing documentation as requested
MexSure will assist you in navigating the claims process in English as a customer service, but we are not a party to the claims settlement. The insurer's decision on claims is final and subject to the terms of the Chubb policy.
07Payments
Payments are processed securely through third-party payment processors. MexSure does not store your full payment card information. All transactions are subject to the payment processor's terms and security standards.
Prices are quoted in U.S. dollars unless otherwise stated. MexSure reserves the right to adjust pricing based on underwriting requirements, vehicle information, or policy terms.
08Cancellations & Refunds
Cancellation and refund policies are subject to the terms of the individual Chubb Seguros México policy and applicable Mexican insurance regulations. Generally:
- Unused short-term policies may be eligible for a pro-rated refund, less applicable fees
- Annual policies cancelled after the coverage has begun may be subject to a short-rate cancellation penalty
- No refund is available for policies where a claim has been filed or is pending
To request a cancellation, contact us at hello@mexsure.com or via WhatsApp before your coverage start date for the best outcome.
09Disclaimers
MexSure provides this website and its content "as is" without warranties of any kind, express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.
Information on this website regarding coverage, pricing, and legal requirements is provided for general guidance only and is subject to change. It does not constitute legal or financial advice. For specific coverage questions, always refer to your policy documents.
10Limitation of Liability
To the maximum extent permitted by applicable law, MexSure and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to:
- Denial of a claim by Chubb Seguros México
- Losses resulting from inaccurate information provided by the customer
- Any coverage gap resulting from policy expiration or lapse
- Actions or omissions of Mexican authorities or third parties
MexSure's maximum liability to you shall not exceed the amount paid by you for the specific policy in question.
11Governing Law & Jurisdiction
These Terms and Conditions are governed by the laws of Mexico, specifically the State of Baja California, without regard to conflict of law principles. Any disputes arising from these Terms or our services shall be subject to the jurisdiction of the courts of Baja California, México.
The insurance policy itself is governed by Mexican federal insurance law (Ley sobre el Contrato de Seguro) and the terms issued by Chubb Seguros México.
12Changes to These Terms
MexSure reserves the right to update these Terms and Conditions at any time. Changes will be posted on this page with an updated effective date. Your continued use of our services after changes are posted constitutes your acceptance of the revised Terms.
We recommend reviewing this page periodically, especially before purchasing or renewing a policy.
13Contact Us
For questions about these Terms and Conditions or our services:
- Email: hello@mexsure.com
- WhatsApp: +1 (442) 222-2702
- Website: mexsure.com