Short answer: usually yes. If your spouse, your kid, or a friend takes the wheel on a Baja or mainland road trip, the Tourist Auto policy from Chubb doesn't stop working just because you're not the one driving. Here's what the policy conditions actually say — no guessing.
🚗 The policy follows the car, not a driver list
Chubb's Tourist Auto policy is built around the insured vehicle: its VIN, plate and declared value, all written into your PDF. It isn't a "named driver" policy with a list of approved people.
That means anyone you give permission to drive that same car is operating under the same coverage — as long as it's the exact vehicle described in your policy, not a different car.
Vehicle-based coverage doesn't erase standard exclusions. Claims can still be denied if the driver was unlicensed, intoxicated, or using the car for something outside what the policy covers. Read the conditions in your own PDF before handing over the keys.
🪪 What licence does the driver need?
The policy conditions require whoever is driving to hold a valid driver's licence to operate that type of vehicle. That's the requirement as written.
What the conditions don't add: no minimum age beyond that, no requirement that the licence come from a specific country. If your US or Canadian licence is valid and current, it meets what the policy asks for.
If you want to confirm this for your exact situation, your PDF arrives by email after you quote at timi.mx/tourist — worth a quick read before a long drive.
🧳 What the second driver should carry
Whoever is behind the wheel should have these in the car, not just in a cloud folder somewhere:
- The Tourist Auto policy PDF (print or phone copy)
- The vehicle's registration or title
- Their own valid driver's licence
- The Temporary Import Permit (TIP), if the trip goes beyond Baja California, Baja California Sur, or the Sonora free zone (Rocky Point, Golfo de Santa Clara, Hermosillo, Kino, Guaymas and San Carlos)
Staying inside Baja or a stop like Rocky Point? You can usually skip the TIP. Heading past the Sonora free zone into mainland Mexico? Sort the permit first — see how the TIP works.
If your car still carries foreign plates and you're not sure how Mexican citizenship or residency changes the picture, this guide covers it: US plates insurance for Mexican citizens.
🚧 If the non-owner was driving during an accident
The process doesn't change because you weren't behind the wheel. Whoever was driving should stay at the scene, avoid admitting fault out loud, and call for help — the steps are the same either way.
Walk through exactly what to do, in order, at timi.mx/mx/accident. Keep that page bookmarked before you cross.
💵 What this coverage actually costs
Price depends on your vehicle, the coverage level, the territory, and how many days you're insured — not on how many people might drive. These are reference totals for a 2022 sedan with a $20,000 USD declared value, all-Mexico territory.
| Duration | Liability only | Full coverage |
|---|---|---|
| 7 days | $54.75 USD total | $113.35 USD total |
| 30 days | $143.60 USD total | $336.71 USD total |
All reference totals include the policy fee; there is no Mexican tax (IVA) on this product. Included fees: $18.00 USD for 1 day, 3 days, 7 days, 30 days; $20.00 USD for 90 days; $35.00 USD for 6 months, 1 year. Do not add the fee again. Your exact quote depends on the vehicle, coverage, territory and dates.
One policy, one vehicle, any licensed driver you allow — that's how the Tourist Auto policy is built, according to Chubb's own conditions.
Quoting is done over chat and the PDF lands in your inbox in about two minutes, backed by Chubb — handy if you're finalizing plans the night before a border crossing. For longer trips or more routes, browse more guides before you go.