International Car Insurance for Expats

Since 1947, Clements has been exclusively dedicated to delivering superior best international car insurance to expatriate individuals, worldwide.

Clements offer Physical Damage insurance protecting against losses to your vehicle, including damage arising from Political Violence.

In addition, we offer supplemental Excess Liability insurance, providing additional cover should the local liability limits in your territory be lower than you feel comfortable with.

* Note you must purchase Third Party Liability in your local country as this is the legal minimum requirement.

Clements international car insurance is underwritten by certain underwriters at Lloyd's and includes*

Physical Damage: Clements’ Physical Damage policy protects against collision, theft and damage, even political violence. Depending on the local requirements of your destination, a Physical Damage policy should be combined with Third Party Liability and Excess Liability for additional supplemental coverage.

Political Violence Coverage: Damage to your car resulting from riots, strikes, terrorism and other perils are covered through Clements’ exclusive Political Violence insurance extension.

Third Party Liability: In many countries, Clements can provide the locally required Third Party coverage in conjunction with your existing Clements policy. With this policy, licensed drivers are covered for liability resulting from bodily injury and/or property damage to others.  Some countries may require that Third Party Liability policies be issued through a local insurance carrier.  If you face this scenario, Clements strongly recommends Physical Damage and Excess Liability to ensure you have seamless international, hard-currency coverage beyond the locally-required coverage.

Excess Liability: Often, Third Party Liability policies purchased through local providers do not provide an adequate level of coverage for expats. That means in case of an accident where there is liability exposure, basic local currency coverage most likely will be insufficient to settle all claims.  To eliminate such a potential gap in coverage, Clements’ supplemental Excess Liability insurance is an ideal solution for true peace of mind.  Clements provides up to USD 500,000 in additional coverage, anywhere in the world.

Accident Forgiveness:Your rate stays the same even after your first accident.

Home Country Rental Car Reimbursement: All auto policies that include Physical Damage coverage will cover the cost of rental car insurance for $12/day up to 21 days per policy period when renting a car in the US, Canada or your home country. This does not have to be consecutive.

Superior customer service team: Offering fast and efficient claims processing.

Claims paid in USD and other major currencies

Covers towing and labor reimbursement of USD 100 per disablement