| Global Car Insurance Coverage & Benefits
Please note, Worldwide Car Insurance is an added layer of protection and is not a substitute for third-party liability insurance (many countries’ legal minimum). Clements provides local third-party liability insurance in select countries. Otherwise, you will need to obtain third-party liability insurance through local carriers.
Policy documents are in English and claims are handled in-house with a commitment to quick and efficient processing.
| Physical Damage & Reimbursement
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Worldwide Coverage
We specialize in car insurance for expats. That’s why we offer worldwide physical damage coverage, protecting your vehicle from collision, glass breakage, theft, and fire. Your vehicle is covered across borders. Please note, some exclusions apply.
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Transit Coverage
All risks from departure to arrival available for government employees and contractors only.
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Political Violence Coverage
If your car is damaged from riots, strikes, terrorism and other perils, you are covered through Clements’s exclusive Political Violence insurance extension, included with your policy.
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Protection Against Uninsured Motorists
You won’t be subject to costs (mechanical or cosmetic) caused to your vehicle by uninsured, underinsured, or even hit and run drivers.
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Home Country Rental Car Insurance Expense Reimbursement
We cover the cost of rental car insurance for $12/day up to 21 days when renting a car in the US, Canada or your home country.
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Covers Towing and Labor Reimbursement
Up to $100 USD per disablement, up to $300 USD per policy term.
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Optional Coverage for Duty Expenses
Saves you money when you need to import a replacement vehicle or parts to repair your damaged car.
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Accident Forgiveness
Your rate stays the same even after your first accident.
| Excess Liability Coverage
Ever wonder if the minimum required local third party liability coverage will be enough? Avoid being underinsured and financially liable for accidents with our excess liability protection. You will be covered for liability resulting from bodily injury and/or property damage to others at a much higher level of protection and avoiding any gap in coverage.
What Does Excess Liability Coverage Do?
If your third-party liability insurance is not enough to cover costs resulting from bodily injury and/or property damage to others, this coverage provides protection for those gaps, keeping you fully protected.
Excess Liability is designed to cover insurance gaps and is stacked on top of third-party liability coverage. It extends the protection of your third-party liability insurance to protect you from costs associated with bodily injury and property damage.
Drivers typically receive coverage up to USD 500,000 to 1,000,000, helping to shield you from financial liability. This supplemental insurance also covers property damage, whereas the local policy does not.
Please note that Excess Liability Coverage is not available in the U.S., Canada, the driver’s home country, or sanctioned countries.
| Coverage Chart
Some exclusions apply.
- Policy Deductible: Starts at USD 250 and is available in increments of $500, $1,000, $1,500, $2,500.
- Political Violence Coverage: Protection against riots, strikes, acts of terrorism, sabotage, malicious damage, insurrection, revolution, rebellion, war and/or civil war. Coverage not available in the U.S., Canada, the driver’s home country, or sanctioned countries.
- Rental Reimbursement: $30/day; maximum of 10 days.
- Home Country Rental Insurance Reimbursement: $12/day; maximum of 21 days. Available in your home country, including the United States & Canada.
- Towing & Labor: $100 per disablement, $300 per policy period.
- Medical Payments: $2,000 per person in your vehicle, per accident.
- Accidental Death & Dismemberment: $15,000 per person; $45,000 per accident.
- Transit Coverage: Transit coverage compensates you for any damage to your vehicle when shipped overseas or sent home. It covers any damages from home port to host country port. Coverage is available for government employees and contractors only and it is not available in the US, Canada and territories subject to international sanctions.
- Territory Exclusions: Coverage is not available in the US, Canada and territories subject to international sanctions.
| Resources
What to Look for When Choosing Your International Car Insurance?
| FAQs
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Excess Liability policies are a good idea for any driver who wants ultimate liability protection, as this coverage protects you from financial liability in case you owe money for bodily harm and/or property damage after your third-party liability insurance has paid out. Excess Liability policies are meant to cover gaps in insurance.
Some parts of the world (such as the U.S. or UK) have higher liability limits, keeping the insured generally protected; however, other countries’ lower liability limits leave drivers more financially exposed, especially if policy limits are under USD 500,000 or are payable in potentially unstable currencies.
Clements’ Excess Liability Policy is not a substitute for third-party liability insurance, but it is designed to protect you against low coverage and is payable in U.S. dollars and other major currencies. -
This is just another term for an excess liability policy.
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A physical damage policy will protect you against the cost of vehicle damage from an accident or theft. Third-party liability policies cover your costs against injury and property damage of others, including potential legal expenses.
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Yes, Clements Worldwide will compensate you for damage to your vehicle caused by the negligence of an uninsured, underinsured, or hit-and-run driver. This is subject to your deductible.
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Unlike many other insurers, Clements car insurance policies automatically include Political Violence protection. This additional benefit covers damage to your vehicle as a result of riots, strikes, terrorism, sabotage, malicious damage, insurrection revolution, rebellion, or war.
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Yes, we provide car rental reimbursement for up to USD 30 per day for a maximum of 10 days if your claim is covered under a Physical Damage policy.
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We offer two coverage options – USD 500,000 or 1,000,000.
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Transit coverage compensates you for any damage to your vehicle when shipped overseas or sent home. It covers any damage from home port to host country port. Coverage is available only for government employees and contractors and is provided at no additional cost.
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Yes, but additional drivers are added at the discretion of underwriters. To add a driver, call us at +1.202.872.0060 or +1.800.872.0067 with:
- the driver’s full name
- driver’s license number
- date of birth
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Yes! Clements offers a discounted rate on car insurance when customers carry both auto and personal property policies with us. Please note, auto and property coverage are two separate types of coverage, and will be issued as two separate policies.
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Yes, one of the primary features of our worldwide auto insurance policy is that you have borderless coverage across the globe. Coverage is not available in the US, Canada and territories subject to international sanctions.
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Clements pays actual cash value, subject to your deductible and up to your policy’s maximum. If your vehicle is less than one year old, you can choose to get claims paid out based on the purchase price by purchasing a guaranteed value add-on.
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Yes, if you have made changes to the vehicle that add to its value, send us the receipts and we can increase the documented purchase price for the vehicle. This will affect the amount of any future claim.
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Our policies are issued annually. Payments can be drafted automatically from a credit or debit card, or you can manage your payments through our payment portal. You also have the option of contacting one of our agents via this form, email info@clements.com, or phone 1.800.872.0067 or 1.202.872.0060.
| Why Choose Clements?
Our expertise is international coverage. We have been providing insurance to expats since 1947. Our specialists will ensure you are adequately covered while driving abroad.
Other key benefits include:
- Coverage in 170+ countries
- Affordability—coverage that fits your budget
- Global/borderless coverage—your policy automatically adjusts to meet the local insurance requirements in whichever country you are driving
- Policy documents in English
- Claims handled in-house, making the process quick and efficient
- Can include both Physical Damage and Excess Liability coverage
| Contact Us
Still have questions? Fill out the form below and we’ll be happy to answer them.
