Our expat auto insurance in the UK can cover accident and damage costs. What your policy covers typically depends on the type of insurance you purchase. With Clements, you can choose between our Comprehensive Coverage and Third-Party Only Coverage. Here is a breakdown of what each can include:

Third-Party Only Coverage (our basic coverage):

• Property damage (up to £20,000,000)
• Property damage cost/expenses (up to £5,000,000)
• 60-Day Europe Coverage (If you take your car to Europe, it can remain insured on your policy for 60 days)

Comprehensive Coverage (our most complete coverage):

• Property damage (up to £20,000,000)
• Property damage cost/expenses (up to £5,000,000)
• 60-Day Europe Coverage Legal costs (up to £35,000)
• Loss of/damage to your vehicle Windscreen or window damage
• Child/booster seats
• Medical expenses
• Personal Accident Coverage
• Personal Belongings Coverage

Our Third-Party Only Coverage and Comprehensive Coverage do not include the following:

• Tire damage (unless damage was sustained in a road accident)
• Vehicle wears and tears
• Vehicle mechanical breakdowns
• Any accessories not permanently attached to your vehicle.
• Compensation for not being able to use your vehicle.
• Theft if vehicle is unlocked or keys are left inside.
• If your vehicle is taken without consent by an immediate family member.
• If your vehicle is taken without consent by someone living in your home.
• Loss of fuel or damage caused by incorrect fuel usage.
• Any legal liability, loss or damage while driving under the influence.
• Loss or damage covered by another insurance policy.

Up to 30 days from the time you quote. Once those 30 days are up, you will need to request a new quote.

In general, there are three main levels of cover available to foreign nationals driving in the UK: third party only; third party, fire and theft; and comprehensive. Clements offers fully comprehensive coverage to expatriates. Please learn more about the insurance benefits above.

Add-ons are only available at the time of purchase and renewal of your UK car insurance policy. If you have a specific need regarding add-ons during the term of your policy, please give us a call at 44(0).33.0099.0104 so we find a solution that fits your needs.

Car insurance policies are annual.

The type of car you drive will have a bearing on the price of the insurance policy offered to you. Generally speaking, cars are classified into 50 possible groups based on factors like engine size, power, and the cost of repairs.

If you have Comprehensive cover your windscreen is covered, subject to a deductible.

It depends on your policy – please refer to your plan.

Excess in some countries is known as “Deductible”. The excess is the amount that you, the policyholder, are responsible for in the event of a claim. The total excess is made up of two parts: voluntary and compulsory. Compulsory excess is the minimum excess set by the insurer and is shown in your policy documents. Voluntary excess is chosen by you and is in addition to your compulsory excess.

Your phone number is one of the details that the insurance provider will need to include in your policy document. Don’t worry, we won’t share your contact details with any third parties. Please see our Privacy and Data Protection Hub to learn more about our commitment to protecting your data.

Your address is necessary for your policy document. Your address and location will have a bearing on the cost of your policy. Occasionally, post codes are entered into our form that our system cannot locate. If this happens to you, just enter a post code from a nearby area, we’ll be able to get you an accurate quote.

Your UK policy will not cover a rental car in any other country including the US.   

A separate Hire Car policy is available for £29.95/year that will allow 2 weeks with a guaranteed rental in the event of an accident. The base policy provides for a loaner vehicle from the repairing facility, but this is subject to availability and would not apply in the event of a total loss as there is no repair facility in such circumstances. 

Anyone needing to drive your vehicle will need to be added to your policy as a driver before you allow them to drive your vehicle.  They must meet the underwriting criteria to be added. 

Breakdown cover is optional and is sold as a separate policy in the UK it is not included in your base policy.  If you have this cover you would have been sent a separate document for it in your welcome/renewal pack.  If you are unsure, please feel free to contact us to check.  

In the UK we do not insurer multi vehicles under one policy. We can arrange insurance on any number of vehicles, but these would be separate policies. 

Your accident-free time with Geico in the UK will transfer back with you, but it’s important that you let us help you transfer back as this ensures the smoothest transition back to Geico Stateside for you.   

If your next assignment is not Stateside, we can provide you with a No Claims Bonus letter for your next insurer once your UK policy has ceased.  

If you have paid for the full year and have not filed any claims during the term you will receive a pro-rated refund back upon cancellation.  Our £50 administration fee is not refundable and there is a £25 mid term cancellation fee.  

If you are paying in monthly installments it’s possible that there could be a balance due or a small refund, depending on where you are in your payment cycle when you cancel.