Grupo Nacional Provincial (GNP) Deluxe Full Coverage Package

When shown as covered on the face sheet of the policy, and upon payment of the corresponding premium, this endorsement provides coverage and limits as follows:

  1. Increased Limits for Civil Liability for Property Damage and for Bodily Injury to Third Parties
    The Combined Single Limit for Property Damage Liability/Bodily Injury Liability limit is increased to US $500,000.

  2. Increased Medical Expenses for Occupants of the Insured Vehicle
    The limit for Medical Expenses is increased to US $30,000. Not included on motorcycle policies.

  3. Guaranteed Bond and Legal Assistance
    The company legal representative will post bond or deposit the guarantee before the Agent of the Public Ministry Office and/or Penal Judge up to US $50,000 to obtain the provisional release of the Driver, and/or the release of the covered vehicle and to guarantee the repair of the damaged third party property.

  4. Increased Cost of Repair
    With prior agreement of the Company, the Insured may proceed to repair the vehicle outside Mexico. Instead of Mexican labor rates, the Company will require at least two estimates and will pay the actual labor costs incurred in the USA or Canada not to exceed $50 per hour for car/van/motorcycle, $55/hour for SUV/pickup truck, $70/hour for RV and $50/hour for all others (only if covered for collision and upon payment of the corresponding premium). Vehicles will be considered a total loss at the option of the Company.

  5. Fixed Deductibles
    Deductibles for collision and total theft are fixed at US $500, except for ATVs and UTVs, which carry a deductible of $ 2,000.

  6. Partial Theft
    Theft of parts and accessories that are permanently attached to the insured vehicle, excluding video and sound reproducing equipment, personal property, or objects contained in the vehicle. This coverage is subject to the fixed deductible of US $500. ATV/UTVs are not covered for partial theft.

  7. Vandalism
    Intentional and malicious damage to or destruction of the insured vehicle. This coverage is subject to a fixed deductible of US $500. ATV/UTVs are not covered for vandalism.

  8. Deductible Waiver in Accidents with Third Parties at Fault
    If the insured is involved in an accident in which an uninsured third party is at fault as determined by the corresponding Mexican legal authorities, and damage is sustained to the insured vehicle, the company will pay for damages to the insured vehicle and waive the corresponding deductible.

    The Insured, however, must fully cooperate with the Company in order to retain the corresponding right of recovery against the third party responsible for the accident.

  9. Gap Coverage
    In case of total theft or loss of the insured vehicle with a loan or lease on the vehicle, the company will pay the unpaid net balance of the loan or lease, even if the Actual Cash Value of the vehicle is less than the loan or lease amount. In no event shall The Company’s liability under this clause exceed the Actual Cash Value of the vehicle multiplied by 1.15. This coverage applies ONLY when the insured amount of the vehicle as listed on the declarations page is equal to or greater than the Actual Cash Value of the vehicle


GNP Deluxe Full Coverage Details

Section 1 (Collision):
This includes coverage for collision, overturning, glass breakage, and is subject to the deductible.

Section 2 (Theft):
This coverage includes total theft of the vehicle. Note that partial theft is only covered in Mexico with the purchase of full coverage.

Vandalism:
This policy provides coverage for vandalism and is subject to a US $500 deductible. ATV/UTVs are not covered for vandalism.

Partial Theft:
This policy provides coverage for partial theft and is subject to a US $500 deductible. ATV/UTVs are not covered for partial theft.

US Repair:
Regardless of the policy you choose you can have your vehicle repaired in the US. However, the labor rate will vary based on the policy you purchase. The policy will pay a higher rate per hour for the labor rate on your repairs rather than the lower Mexican labor rates, regardless of the type of vehicle.

Uninsured Motorist Deductible Waiver:
If you are involved in an accident in which an uninsured third party is at fault, as determined by the legal authorities, and you sustain damage to your vehicle, the insurer will pay for damages to your vehicle and waive your deductible.

3rd Party Liability:
This coverage protects you in the event you cause bodily injury or property damage to third parties. This does not provide coverage for passengers of the insured vehicle.

Legal Assistance:
This policy will provide up to an amount equal to the liability limit in legal assistance for a covered loss in the event you need bail bonds or legal assistance.

Medical Payments:
This policy will pay medical expenses as a result of a covered vehicle accident of $30,000 USD per accident. Coverage is afforded to the driver and occupants in the vehicle at the time of the accident.

Travel Assistance:
MexVisit® travel assistance is included with this package.

Medical Evacuation:
This policy includes the roadside assistance package which includes limited medical evacuation for certain situations; please see the terms and conditions for more detail. Evacuation to hospital of choice in the US or Canada is provided on all short term policies.

Roadside Assistance:
This policy includes the travel assistance package which includes travel assistance for certain situations; please see the terms and conditions for more detail.

Rental Car:
This policy includes the travel assistance package which provides a rental car for certain situations; please see the terms and conditions for more detail.

GAP Coverage:
The Company pays the 'GAP' or difference between the Actual Cash Value of the vehicle and the unpaid net balance of the loan or lease up to 15%, if the amount owed is equal to or greater than the Actual Cash Value of the vehicle.

Policy Terms and Conditions:
As always, review the Terms & Conditions of your policy before purchasing.