[BajaBundo]

Thanks Geoff, I really appreciate you getting to the bottom of this for us. It just highlights another difference between the two companies (HDI/Chubb) and why HDI is a bit more expensive. Personally it just makes HDI my only choice to use on my vehicles when in Baja. It might be good to clear that up on your @BajaBound website as I think most people believe that any comprehensive insurance policy would cover fire and theft, anywhere in Baja. In fact I searched several different Mexican auto insurance websites and not one website specifically addressed this grey area.