Terms and Conditions of Use

Last updated: 3 November 2026

1. Who we are and what we do

timi.mx is operated by TIMI Agente de Seguros y de Fianzas, S.A. de C.V. (“Timi”), an insurance agent located at Aristóteles 3116, Col. Vallarta San Jorge, C.P. 44690, Guadalajara, Jalisco, Mexico. Timi helps you get quotes and buy insurance from insurers. Timi is not the insurer: the policy is issued and backed by the insurer you choose, and its general conditions govern the coverage.

2. Products we offer

Car and motorcycle insurance for driving in Mexico.
Liability coverage for Mexican-plated vehicles crossing into the United States or Canada.
Coverage for U.S.- or Canadian-plated vehicles entering Mexico.
Cargo insurance.

Availability, territories and coverages depend on each insurer and are shown to you in the quote before you pay.

3. The artificial intelligence assistant

The chat uses an artificial intelligence assistant. It can make mistakes. What counts for your purchase is the information in the quote, the summary shown before payment and the issued policy. If something does not match, write to timi@timi.mx before paying. The digital assistant is available 24 hours a day, every day. For help from a person, write to timi@timi.mx, Monday to Friday, 9:00 a.m. to 5:00 p.m., Central Mexico time.

4. Quotes and prices

A quote is not a policy and does not guarantee coverage. Coverage starts when the policy is issued and its conditions, including payment, are met.
The price depends on the information you provide and the insurer’s current rates. If time passes or rates change, Timi re-quotes and shows you the current price before charging.
Amounts are shown with taxes included and in the currency stated in the quote.

5. Your information must be accurate

You state that the information you provide (driver, vehicle, use, address, dates) is true and complete. Incorrect or omitted information can change the price, prevent issuance or lead the insurer to reject a claim. If anything changes after you buy, tell us.

6. Payment and issuance

Liability coverage for the United States and Canada, coverage for foreign vehicles in Mexico, and cargo insurance are paid online through Stripe.
Car and motorcycle insurance in Mexico is paid by card through a Timi payment link that you authorize, or by the method the insurer indicates; Section III of the Privacy Policy explains how card data is handled.
After payment, the insurer issues the policy and Timi emails it to you. In some cases the policy is issued and the charge is confirmed afterwards; if so, we tell you in the chat.
Review your policy when you receive it. If you find an error, write to us right away.

7. Cancellations, refunds and claims

Cancellation, premium refunds and claims handling are governed by the terms of the insurer’s policy, and Timi helps you manage them. For a claim, follow the procedure in your policy and let Timi know.

8. Acceptable use of the site

You agree not to use timi.mx for unlawful activity, to impersonate another person, to enter false information on purpose, to automate bulk queries or to try to breach the security of the service.

9. Communications

Timi contacts you through the chat, email and, if you share your phone number, WhatsApp. SMS messages require separate opt-in. The terms and how to opt out are in the Privacy Policy.

10. Responsibility

Timi acts as an intermediary. Coverage, claim payments and policy conditions are the insurer’s responsibility. Timi works to keep the service available and accurate but does not guarantee it will run without interruption or error.

11. Privacy

How your personal information is handled is described in the Privacy Policy.

12. Changes and contact

Timi may update these Terms and will publish the current version, with its date, on this page. Contact: timi@timi.mx.