Ineligible /Referrals risks
Ineligible vehicles or subject to special authorization.
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1. Ineligible / Referrals Risks

The following risk characteristics are not eligible and may not be written in the Southbound Auto Program. All values are in US$.
  1. Vehicles registered in the Republic of Mexico ( vehicles with Mexican plates).
  2. Commercial vehicles.
  3. Vehicles valued at more than $50,000.00 U.S. Dollars are not eligible for full coverage and can only be insured with Liability coverage.
  4. Full time foreign residents of the Republic of Mexico, unless the appropriate premium surcharge is applied.
  5. Vehicles used in racing or involved in competition of any kind, including support vehicles for racing events.
  6. Vehicles over 15 years of age with physical damage coverage, except motor homes, which may not be over 20 years of age.
  7. Vehicles with capacity to tow more than 1.5 ton Gross Vehicle Weight, except Motor Homes.
  8. Vehicles used for hire whether for public transportation of cargo or passengers, or used for wholesale or retail delivery.
  9. Vehicles used for the purpose of driving instruction or teaching.
  10. Pickups with Campers, Pickups or vehicles pulling Fifth Wheel Travel Trailers over $100,000 in value.
  11. Motor Homes over $100,000 in value.
  12. Motorcycles valued at more than $30,000.00 U.S. Dollars are not eligible for full coverage and can only be insured with Liability coverage.
  13. Motorcycles manufactured as non street legal for highway or roads are ineligible for coverage.
  14. Motorcycles used in racing or involved in competition.
  15. The platinum endorsement applies to motorcycles except for the medical payments coverage.
  16. Physical Damage, Total Theft, Medical Expenses, Bail Bond and Legal Assistance, and Traveler’s assistance coverage for ATVs, ATC, and dune buggies. Only coverage may be provided to these vehicle types while they are being towed by the primary vehicle. ATVs, ATCs, and dune buggies are not eligible for the Platinum Endorsement.
  17. Third Party Liability limits greater than the limits afforded in the Special Mexican Tourist Auto-Optional Platinum Endorsement.
  18. Medical Expense limits greater than the limits afforded in the Special Mexican Tourist Auto-Optional Platinum Endorsement.
  19. Guaranteed Bail Bond Limit greater than $20,000.
  20. Travel Assistance limits greater than those shown in the policy Terms and Conditions.
  21. New policies may only be issued with a current or future effective date and time; new policies may not be issued with a backdated effective date.
  22. Once a policy has been issued it may only be modified with a present or future effective hour or date; changes and cancellations may not be issued with a backdated effective time and date.
  23. No OFAC related potential customers at the time of the underwriting.
  24. Policies covering vehicles for Physical Damage coverage only, that do not also have Liability coverage.

Ineligible Vehicle List

Make Models
AC All
Acura NSX
Alvis All
Aston Martin All
Audi TT, Steppenwolf, All Road
Austin Healy All
Bentley All
Bitter All
BMW Z3 (All) Z8
Bugatti All
Daihatsu Rocky
Delorean All
Detomaso All
Dodge Viper
Excalibur All
Ferrari All
Honda S2000
Hummer All(Except H3)
Iso Rivolta All
Jeep Wrangler (Soft Top)
Jensen Healy All
Lamborghini All
Lotus All
M.G. All
Maserati All
Mazda MX5 Miata
Mclaren All
Mitsubishi 3000 GT VR-4
Ferrari All
Morgan All
Nissan 300ZX Turbo (Fair Lady)
Panter All
Porsche All
Rolls Royce All
Rover All
Triumph All
TVR All
Vector All

2. Tourist Auto Underwriting Guidelines- Referrals

The following risk characteristics require referral for special underwriting and rating considerations.
  1. Private passenger, SUV, and pickups without campers valued over US $50,000.
  2. Motorcycles valued over US $30,000.
  3. Boats (on trailers) valued over US $30,000.
  4. Utility trailers or boat trailers values over US $30,000.
  5. Full time foreign residents of the Republic of Mexico, unless the appropriate premium surcharge is applied.
  6. Drivers under 21 years of age unless the appropriate premium surcharge for underage drivers is applied.

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