Tuesday, April 1st 2025

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2017
13
June
Is Renting a Car in Tulum Worth It?

Question:

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Stacy

Booked a trip to Tulum in April. Thinking of renting a car instead of transfers to and from Resort. Do I need to buy insurance from rental company?
Thanks

Humans say...

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Krista

Credit Cards usually only cover Collison Damage Waiver (CDW) which means you still need to get Third Party (TPL) IF the rental agency doesn't include it in their rental prices. Also if using your credit card CDW, make sure to take a letter from them as proof of insurance or they may force you to buy theirs to rent their vehicles( Had that happen at Cancun Enterprise). I haven't needed it since but I take one everywhere now just in case. You also should be grabbing a $25 International Drivers permit from AMA. If you get pulled over or in an accident they could potentially fine you $2500 for not having it. I'm a better safe than sorry kind of girl.

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Stacy

Thanks. Talked my insurance company. They told me I will need third party insurance in Mexico. Think that will be $15/day

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Brigitte

If there is a SIXT Car Rental agency book with them as they supply the third party insurance also book with your travel credit card and you tgen get collision as well.

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Brigitte

We rent a car for 3 months at a time in Mexico and have never had any issues nor have we had to have a different drivers license.

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Krista

It's like insurance.. You only need it, when you need it.

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Kevin

Be VERY careful with insurance right from the rental outfit...and yes, strongly recommend you buy it....expensive but very good piece of mind....if you've ever driven in Mexico, you'll know why. If you've been down there for a while, you DO get accustomed to it but if you're just there for a short stint, it makes you wonder how they survive...not quite so bad in the areas you'll likely visit but if you drive in Cancun or other cities, you'll soon experience the risk....

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Stacy

I heard that a lot of locals don’t even have insurance down there

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Kevin

Oh, quite likely...and thus the reason it is so important for you to have yours...fyi, one thing we heard when we stayed in Yucatan (Progreso area)...buses ALWAYS have right of way...so be very careful and give them their space...

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Marie

I second this. I think the area you will be driving in will be ok, since there are a lot of tourists there. But they deal with car accidents differently in Mexico. The roads are crazy! It’s just the way it is...Get all the insurance you can. And be careful of shady gas station attendants. Be certain to check the amount you are handing them in cash clearly and carefully in front of them, or else they will claim you only gave them 50 pesos instead of 500 or whatever, and you owe them more money. It’s their classic tourist scam, you’ll end up paying $100 Canadian for a tank of gas.

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Kevin

On this same note, one thing we we were warned about is ensuring you see the attendant actually ZERO the pump. Presumably, there is a way for attendants to have the pump start with an amount showing and you then pay the full amount once your tank is filled. Again, not sure if this really does happen but I always got out of the car to ensure I could see them starting the pump at $0.00. FOR ALL....have any of you actually seen this??

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Marie

Kevin I have definitely heard of that scenario you mentioned. My husband (who is always the driver...and Mexican, so aware of all the tricks, as they are not unique to this specific area) always gets out of the vehicle and spends the entire time watching the process. I never really asked him why. Its always good to be extra careful! I will ask him if there is anything else to watch out for.

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Stacy

Thanks. Rented a car a few years ago down there. However, it was one day and done at the resort. Have to decide what we want to do

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Jamie

Check out Canada transfers. You can get a private van ( stocked with beverages of your choice ) for a very reasonable price. You can pay in Canadian dollars through PayPal

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Greg

Rent a car. Go to some ruins. And go to Valladolid. Almost free cenote and great restaurants.

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Christop

Only if it gets stolen

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Jonathan

Also, check with your own car insurance company. Often, for minimal cost, they can add comprehensive coverage for rental cars.

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Karen

I would avoid renting. It’s one of the easiest areas to get around. We hired a car & driver for several days at a very reasonable rate and he had great suggestions and took us places off the beaten track.


A.I. says...

AI Profile Pic

Do I Need to Buy Insurance from a Rental Car Company in Tulum?

Congratulations on planning your trip to the beautiful Tulum! Renting a car can be a great way to explore the area at your own pace. However, the question of whether to purchase additional insurance from the rental company is a common concern for many travelers.

Understanding Your Existing Coverage

Before deciding on additional rental car insurance, it's essential to review your existing coverage. Many personal auto insurance policies and premium credit cards offer some level of coverage for rental cars. Check with your insurance provider and credit card company to understand the extent of protection they provide.

Liability Insurance

Mexico requires all drivers to carry liability insurance, which covers damages or injuries you may cause to others while operating the rental vehicle. Most rental companies include this mandatory liability coverage in their base rates, but it's wise to confirm the coverage limits and ensure they meet your comfort level.

Collision Damage Waiver (CDW)

The Collision Damage Waiver (CDW), also known as a Loss Damage Waiver (LDW), is an optional coverage offered by rental companies. It relieves you of financial responsibility for damage to the rental car in case of an accident or theft. While your personal auto insurance policy may already provide this coverage, it's essential to check the limits and deductibles.

If your existing coverage is insufficient or you prefer not to file a claim with your personal insurance, purchasing the CDW from the rental company can provide peace of mind, especially when driving in unfamiliar territory.

Additional Considerations

  • Driving in Mexico: Be aware that driving rules and road conditions in Mexico may differ from what you're accustomed to. Familiarize yourself with local traffic laws and exercise caution while driving.
  • Vehicle Restrictions: Some rental companies may have restrictions on where you can take their vehicles, such as certain areas or roads. Clarify any limitations before renting.
  • Liability Limits: Review the liability coverage limits provided by the rental company and consider purchasing additional coverage if you feel the limits are too low for your comfort level.

Final Thoughts

Ultimately, the decision to purchase additional insurance from the rental company in Tulum depends on your personal preference, existing coverage, and risk tolerance. Evaluate your options carefully, read the fine print, and choose the coverage that best suits your needs and budget. A well-informed decision can help ensure a worry-free and enjoyable road trip in the beautiful Tulum region.









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