SO YOU WANT to LIVE in COSTA RICA the Adventures, Trials and Tribulations of Settling in Paradise

11 Apr

This is the continuation of a series of blogs to promote the e-book SO YOU WANT to LIVE in COSTA RICA – which is a guide to… the Adventures, Trials and Tribulations of Settling in Paradise… This is a guide book that will give you the kind of insider’s knowledge that you might wish you had before you made your decision to move or not move to Costa Rica.

Every blog entry will start with the appendix because that way when you read whatever else I have posted it will 1. make sense (I hope) and 2. give you a point of reference in case you realize you need to read something that is “archived”.  Because if you read every blog I enter you will have eventually read the whole e-book and won’t need to order it for $2.99 from Amazon or B&N.  All you’ll be missing are the photos that show what you might expect if you choose to undertake the Adventures, Trials and Tribulations of Settling in Paradise.

As I said, I will start each blog with the appendix so that the reader can reference important elements of the book to archived blogs.  The page numbers shown are the actual page they appear on in the book. Here is the Appendix – and these are all the nuggets and their corresponding page numbers: Definition of “nugget” – 3, Doors & Windows – 7, Manufacturing – 11, Real Estate – 11, Shipping – 12,Maps, – 15, Corporations – 20, Traffic Cops – 23, Know basic Spanish – 30, Panama – 33, Roof Line – 42, Plumita Pacifica Web Address – 65, Getting the Best a Tico has to Offer – 84, Power Surges – 86, Liberia Airport – 88, Attitude – 104, Cellular Phones – 117, Newspapers – 18, Your Embassy – 137, Buying & Selling Cars – 154, Drive Slowly – 161, Arriving at the Airport – 168, Wages & Prices – 170, Undertows – 226, Life Ring – 230, Avoiding Customs Confiscations – 234, Driving Rules – 236, Walking in the City – 249, Purchasing Anything – 258, Buying Fresh Produce – 263, Bus Tickets – 272, to “Bribe” or not to “Bribe” – 313, Traffic ticket Prices – 315, Exiting the Country – 337

chapter 20


INS is Costa Rica’s government run insurance company.  Don’t ask me what those letters stand for.  Maybe… Incompetence Naturally Stupid.  It’s another example of government inefficiency.  But at the present time it’s the only choice.  Therefore both my house and car are insured through the government’s questionable agency.

Thank goodness CAFTA passed.  That’s the free trade agreement with the U.S. and some of the Caribbean and other Central American countries.  One of the points of the agreement was that C.R. must open its government monopolies on insurance and telephones/communications.  If you’ve read Getting a Land Line Phone and Internet you’ll understand my anticipation of other service providers entering the market.

Now for the reasons why other insurance company’s would be welcomed here by many other people also.  We all know that competition usually brings with it two advantages over monopolies.  Lower prices and better service.  My car insurance costs the same here as it does in Ca. but the coverage is way less.  For example, to keep the rate down to what I pay in Ca, my car, which has a value in C.R of about $25,000, is only allowed a pay out of $10,000 if stolen and has no coverage on items stolen from inside it.  And forget about medical.  And it has a sizeable deductible which not only applies to my car but the other guys car as well.

As for service, that’s commensurate with the price/coverage scenario.  At least there is one small point of good news though.  The coverage includes something like the Auto Club.  I’ve had the opportunity to use it once and because my need occurred on the main paved road from Santa Cruz to Nicoya, a distance of about 20 miles, it was actually pretty good.


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