Worldwide Car Insurance

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.

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.

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.

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.

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.

We offer two coverage options – USD 500,000 or 1,000,000.

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.

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

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.

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.

All you need to do is to notify us if you change countries so we can ensure your policy is up to date, and you will have the same coverage in your new country. If your address on the policy doesn’t match your current address and you file a claim, it may cause delays or can even result in denial. Please note: should you move to a sanctioned country, your policy would not be able to continue there.

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.

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.

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.