Do Aircraft Flying to Mexico Need a Mexican Liability Policy?

Flying to Mexico can be an exciting adventure, whether for business or pleasure. However, it’s crucial to understand the insurance requirements to ensure a smooth journey. One common question pilots and aircraft owners have is whether they need a Mexican liability policy. The short answer is yes.

Understanding the Requirements

While your aircraft insurance policy includes Mexico as an approved territory, the Mexican authorities do not recognize it and require the aircraft owner to purchase a separate liability policy from a Mexican insurance company for flights into Mexico. Typically, this policy can be purchased through the same insurer providing your primary coverage; the premium ranges from $100 - $300. For that premium, you receive a 2-3 page Mexican liability policy in Spanish with low liability limits that must be carried on board the aircraft when entering Mexico.

If your flight plan takes you over Mexico while en route to or returning from another country, you should purchase a Mexican Liability policy to have on board in case you have to land in Mexico due to a mechanical event or emergency. In addition, if the flight is a commercial flight (e.g., Charter Flight), the premium is more expensive, and the Mexican policy must state coverage is for a commercial flight.

Practical Tips for Trips to Mexico

• Verify Coverage: Ensure you purchase a Mexican liability policy.
• Carry Documentation: Always have a copy of your insurance policy and Mexican Insurance policy on board.

By taking these steps, you can focus on enjoying your flight and exploring all Mexico offers without worrying about insurance issues.

As always, reach out to your AssuredPartners Aerospace broker with any questions you might have about a Mexican liability policy. They can assist in securing the proper coverage for you.