Military Overseas Car & Property Insurance

Yes in most countries, except for the UK. In other countries, 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, transit insurance is available specifically for military, government employees, and contractors and is provided at no additional cost, with the exception in the UK. Transit cover is NOT included in our Geico UK policies as it is typically covered by your military orders.

Transit coverage compensates you for any damage to your vehicle when shipped overseas or sent back home. It covers your car from your home port to your overseas port, as well as from one country post to the next.

Each country has specific rules. In some countries, adding a driver can be as simple as getting their information (name, date of birth, license, etc.) and adding them to your policy as a driver. In other countries, there may be specific rules so please see the country specific FAQs below for your country or speak to our advisors to see if underwriting approval is needed. You can reach us by submitting this form or by calling us at +1.202.872.0060 or +1.800.872.0067.

Your international Household Effects policy is an All-Perils policy that provides coverage for, among other things, theft, vandalism, fire, damage, and breakage for your belongings during a move, while traveling, or while living at your host country. Unlike other insurers we provide replacement value coverage for your items, instead of depreciated value, as other companies do.

You can add transit insurance if needed, and your policy declaration’s page will reflect the additional cover for your items while going abroad, returning home, or from one post to another.

Transit insurance for personal property is an optional benefit that can be purchased in addition. Our transit insurance benefit will cover all risks of physical loss or damage to your personal items while they are being professionally packed or unpacked and in transit while in custody with you or any registered commercial or governmental shipper. This coverage extends transit either by land or sea.

Transit coverage can be added midterm to your policy with an additional cost. It is important to note that transit coverage must be added prior to your pack-out and the actual transit occurring, and the premium is fully earned.