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International
Expat Insurance

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International
Expat Insurance

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Personal insurance icon.

International
Expat Insurance

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For Foreign Service members

As you serve your country from overseas, we’ll keep you fully protected during. Lorem ipsum dolor set amet ipsum dolor set amet.
Get STARTED

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Worldwide Auto Insurance Benefits

Our international car insurance policy is available in over 170+ countries and protects you against collision, theft and damage, even political violence. It includes the following features and benefits:

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General Interior
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FAQ

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4 global locations

We have offices in U.S., U.K, Belgium & U.A.E.

7 out of 10

Seven out of the ten Foreign Services Officers choose Clements

95% Footprint

We enable customers and organizations in over 180 countries

180+ Countries

We enable customers and organizations in over 180 countries

Life at Clements

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  • Work Life

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  • Culture

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    Motorcyclist ride down a scenic mountain road.
  • Belief Statement

    At Clements, we are committed to:

    • Building long term relationships
    • Always doing the right thing
    • Valuing credibility every day
    • Designing innovative solutions
    • Having fun along the way
    • Saying “yes” when challenged
  • Who We Seek

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  • I-CARE Values

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careers

Careers headline goes here

At Clements Worldwide, our employees make a positive impact everyday by creating innovative solutions, anticipating customer needs, and delivering world class service experiences.

corporate responsibility

Corporate Responsibility headline goes here

Clements supports numerous awards and recognition programs for expat youth and foreign service officers serving around the world.

Additional Policies Headline Up Sell

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Multi-Policy

Multi-policy discount at your fingertips

Interested in saving some cash? You can qualify for a multi-policy discount when you bundle your international car insurance with any of our other products. Learn more about international personal property insurance and loss of income coverage to see if they make sense for you.

Related Policy

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OUR PURPOSE

We enable people
to live and work anywhere in the
world.

KEY BENEFITS

Specialized Broker

  • Independent broker with the best interest of the customer at heart
  • Coverholder status with authority to operate and bind on behalf of the underwriters
  • Unparalleled access to global insurance markets
  • Extensive knowledge and expertise of the industries we serve
  • Premier provider of insurance solutions for diplomats and expatriates
Claims Packet Request Form

Global Leader in Providing Customized Solutions

  • Exclusive solutions through our binder products and market relationships tailored to customers’ needs
  • Innovative programs providing cost effective and broad coverage for the customer specific needs
  • Cross border global solutions for individuals, partners, and companies

High-Risk Coverage Expertise

  • Subject matter expertise in understanding high-risk coverages
  • Proven and unparalleled experience writing in high-risk countries and industries in emerging markets

OUR PURPOSE

We enable people
to live and work anywhere in the
world.

KEY BENEFITS

1

Specialized Broker

  • Independent broker with the best interest of the customer at heart
  • Coverholder status with authority to operate and bind on behalf of the underwriters
2

Global Leader in Providing Customized Solutions

  • Exclusive solutions through our binder products and market relationships tailored to customers’ needs
  • Innovative programs providing cost effective and broad coverage for the customer specific needs
3

High-Risk Coverage Expertise

  • Subject matter expertise in understanding high-risk coverages
  • Proven and unparalleled experience writing in high-risk countries and industries in emerging markets

International Insurance Solutions

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For you & your family

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Renew your Coverage

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test Prepare for
your next mission.

As you serve your country from overseas, we’ll keep you fully protected during your diplomatic missions abroad.

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Equal Opportunity Employer

Clements Worldwide does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, age, disability, veteran status, or any other characteristic protected by the law. Employment decisions at Clements Worldwide are based on merit, qualifications, and abilities. Clements Worldwide will make reasonable accommodations for qualified individuals with known disabilities.

Big "I" best practices agency award recipient.

Join our team

Come join us and be a part of this exciting culture where your work makes a real impact daily.

Join our team

Come join us and be a part of this exciting culture where your work makes a real impact daily.

First, select a type of Insurace of your interest

for expats, diplomats, and organizations.

Enabling you to have the freedom to live and work anywhere in the world.

SEE OUR PRODUCTS & SERVICES

for expats, diplomats, and organizations.

Enabling you to have the freedom to live and work anywhere in the world.

SEE OUR PRODUCTS & SERVICES

Benefits and Perks

Clements employees have access to many benefits that help support their physical health, financial security, work-life balance, and personal career development. We also like to celebrate by throwing annual holiday parties and employee events, and we honor our achievements through employee recognition and service awards.

Check out the perks of working at Clements:

  • Generous PTO

  • Birthday Leave

  • Mental Health Days

  • 401k Matching

  • Dress for Your Day

U.S. Employee Benefits

  • Comprehensive health, dental, vision, and prescription care
  • Generous paid time off with unlimited rollover. Plus, you get an extra day off for your birthday!
  • 3 mental health days
  • 10 paid holidays
  • 401K: 100% matching up to 5% with immediate vesting
  • 100% paid parental leave
  • Dress for Your Day” dress code
  • Education assistance: licenses, certifications, and continuing education
  • Free access to onsite gym
  • Life insurance: 1.5 times your annual salary
  • Short-term and long-term disability insurance
  • Flexible Spending Accounts

U.K. Employee Benefits

  • Comprehensive health, dental, vision, and prescription care
  • Generous paid time off with unlimited rollover. Plus, you get an extra day off for your birthday!
  • 3 mental health days
  • 10 paid holidays
  • 401K: 100% matching up to 5% with immediate vesting
  • 100% paid parental leave
  • Dress for Your Day” dress code
  • Education assistance: licenses, certifications, and continuing education
  • Free access to onsite gym
  • Life insurance: 1.5 times your annual salary
  • Short-term and long-term disability insurance
  • Flexible Spending Accounts

Netherlands Employee Benefits

  • Comprehensive health, dental, vision, and prescription care
  • Generous paid time off with unlimited rollover. Plus, you get an extra day off for your birthday!
  • 3 mental health days
  • 10 paid holidays
  • 401K: 100% matching up to 5% with immediate vesting
  • 100% paid parental leave
  • Dress for Your Day” dress code
  • Education assistance: licenses, certifications, and continuing education
  • Free access to onsite gym
  • Life insurance: 1.5 times your annual salary
  • Short-term and long-term disability insurance
  • Flexible Spending Accounts

Belgium Employee Benefits

  • Comprehensive health, dental, vision, and prescription care
  • Generous paid time off with unlimited rollover. Plus, you get an extra day off for your birthday!
  • 3 mental health days
  • 10 paid holidays
  • 401K: 100% matching up to 5% with immediate vesting
  • 100% paid parental leave
  • Dress for Your Day” dress code
  • Education assistance: licenses, certifications, and continuing education
  • Free access to onsite gym
  • Life insurance: 1.5 times your annual salary
  • Short-term and long-term disability insurance
  • Flexible Spending Accounts

Dubai Employee Benefits

  • Comprehensive health, dental, vision, and prescription care
  • Generous paid time off with unlimited rollover. Plus, you get an extra day off for your birthday!
  • 3 mental health days
  • 10 paid holidays
  • 401K: 100% matching up to 5% with immediate vesting
  • 100% paid parental leave
  • Dress for Your Day” dress code
  • Education assistance: licenses, certifications, and continuing education
  • Free access to onsite gym
  • Life insurance: 1.5 times your annual salary
  • Short-term and long-term disability insurance
  • Flexible Spending Accounts

Locations headline here.

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Washington, DC

Global Headquarters 1301 K Street NW Suite 1200 West Washington, DC 20005

+1.202.872.0060

London, UK

40 Lime Street
United Kingdom
EC3M 7AW

+44(0) 33.0099.0104

Amsterdam

Laan van Kronenburg 14
1183 AS Amstelveen
The Netherlands

+31(0) 20.2807.807

Brussels

8, Place Marcel Broodthaers
B-1060 Saint-Giles
Belgium

+32(0) 2401.2299

Dubai, UAE

Mina Rashid – Queen
Elizabeth 2

Kiklabb on Quarter Deck
Office
No A10038, QE2
United Arab Emirates

+971(0) 4.522.9555

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Foreign Service

The service has always been there for me, quick issues or complicated questions, they are always ready and eager to help, by taking care of the customers with understanding, patience and friendliness.

– Diplomat in Mexico

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Personal Insurance

During our last move, the unthinkable happened: the container carrying everything we owned was lost at sea. Clements was responsive, professional and supportive throughout the experience.

– Diplomat in Egypt

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For Your Organization

I have been using Clements since 2006 and I am really happy with my decision. The wonderful, prompt support that I get from the Claims department is really appreciated.

– Global Organization in Kenya

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Personal Insurance

I’ve had great experiences with Clements both for this post in China and a previous assignment in Jamaica a while back. Thank you and I will be contacting you in the future again, I’m sure.

– Diplomat in China & Jamaica

Global Organization in Kenya

I have been using Clements since 2006 and I am really happy with my decision. The wonderful, prompt support that I get from the Claims department is really appreciated.

Diplomat in Egypt

During our last move, the unthinkable happened: the container carrying everything we owned was lost at sea. Clements was responsive, professional and supportive throughout the experience.

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Motorcyclist ride down a scenic mountain road.

Chairman

Jon Clements

Following in the footsteps of his parents, Jon leads Clements to continued innovation in international risk management. Jon has held a number of senior executive positions at Clements since 1980 and served as the CEO for over two decades. One of his favorite hobbies is the design and construction of custom beach cruiser bicycles.

View full biography

Is this the coverage you need?

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Get This Insurance Contact Us

Is this the coverage you need?

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Get This Insurance Contact Us Call Us

Coverage Chart – checkmark block

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Policy Deductable: $100 select your policies, $250, $500, $1,000, $1,500, or $2,500

Medical Payments: $2,000 per person in your vehicle, per accident.

Political Violence Coverage: Policy includes protection against: Riots, Strikes, Acts of Terrorism, Sabotage, Malicious Damage, Insurrection, Revolution, Rebellion, War and/or Civil War.

Accidental Death & Dismemberment: $15,000 per person; $45,000 per accident.

Rental Reimbursement: $30/day; maximum of 10 days.

Transit Coverage: All-risk, from departure to arrival included (available for government employees only).

Home Country Rental Insurance Reimbursement: $12/day; maximum of 21 days. Available in your home country, including the United States & Canada.

Territory Exclusions: Coverage excluded when vehicle is within the United States, Canada, Iran, North Korea, or the insured home’s country.

Towing and Labor: $100 per disablement, $300 per policy period.

Physical Damage

Your car is protected in the event of collision, theft, and damage as well as political violence.
Get This Insurance

01

Borderless coverage

we specialize in car insurance for expats. That’s why we offer worldwide coverage so you & your vehicle can cross borders anywhere and still be covered – some exclusions apply

02

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

03

Political Violence Coverage

if your car is damaged from riots, strikes, terrorism and other perils, you are covered through Clements’ exclusive Political Violence insurance extension, included with your policy.

04

Accident Forgiveness

Your rate stays the same even after your first accident

05

Transit Coverage

all risks from departure to arrival available for government clients only

06

Home Country Rental

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

07

Windshield Replacements

if your car is damaged from riots, strikes, terrorism and other perils, you are covered through Clements’ exclusive Political Violence insurance extension, included.

08

Optional Coverage For Duty Expenses

Saves you money when you need to import a replacement vehicle or parts to repair your damaged car

09

Borderless coverage

we specialize in car insurance for expats. That’s why we offer worldwide coverage so you & your vehicle can cross borders anywhere and still be covered – some exclusions apply

10

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

Insurance Solutions

The Clements Strategic Partnerships team offers a diverse range of insurance solutions and is able to create a variety of programs for our clients. Whether on an individual or group basis, Clements is the partner you need.

Individual

International Auto

Auto in the United States

International Property

Property in the United States

Term Life

Health / Medical

Personal Liability

Personal Accident

Disability / Income Protection

Kidnap & Ransom

Group

Vehicle Fleet

Group Life

Group Health

Group Disability

Foreign Property

Transit and Cargo

Transit and Cargo

War & Terrorism / Political Violence

Specialty Coverage

Business Property

Business Interruption

Tarun Chopra

President & CEO

Awarded CFO of the Year – Rising Star by Washington Business Journal, Tarun brings over 20 years of experience. He has held leadership positions with Fortune 500 companies, including Fannie Mae, Whirlpool, Boston Consulting Group, and Ernst & Young.

At Clements, he handles the operations side of the business, including finance, IT, HR, and corporate compliance.

Tarun is a Chartered Accountant and earned an MBA from Melbourne Business School, Australia. Tarun plays as a top order batsman in the Washington Cricket League and is an aspiring sports broadcaster.

View Leadership Team

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Contact Form

Content here

 

Name(Required)

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Travel Medical
Insurance

View this plan

Adventure
Travel

View this plan

Crisis
Response

View this plan

International Auto Insurance

With more than 70 years of service, Clements Worldwide offers comprehensive international car insurance to our valued expats in most countries around the globe. As a Clements customer, you can drive at home or abroad with confidence knowing you and your car are protected. Our hassle-free global car insurance policies automatically adjust to meet the local insurance requirements in whichever country you are driving and can include both Physical Damage coverage and Excess Liability coverage.

Travel Medical
Insurance

View this plan

Adventure
Travel

View this plan

Crisis
Response

View this plan

Auto Insurance Worldwide Policy

Our general international auto insurance offers you peace of mind with truly global and borderless coverage. You can customize your policy with Physical Damage coverage and Excess Liability protection. Our claims are handled in-house with a commitment to quick and efficient processing, plus outstanding customer care. All claims are paid in USD or other major currencies.

  • Country-Specific Plans: Clements offers a number of country-specific plans. Select your country from the list below to learn more.

Travel Medical
Insurance

View this plan

Adventure
Travel

View this plan

Crisis
Response

View this plan

Short-Term International and Domestic Travel Insurance

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Three plan options for your trip with terms anywhere from 5 days to one year. Battleface insurance can cover treatment for expats as well as international and domestic travelers up to and including age 59 who incur medical expenses caused by or resulting from COVID-19.

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Travel Medical
Insurance

View this plan

Adventure
Travel

View this plan

Crisis
Response

View this plan

Auto Insurance Worldwide Policy

Our general international auto insurance offers you peace of mind with truly global and borderless coverage. You can customize your policy with Physical Damage coverage and Excess Liability protection. Our claims are handled in-house with a commitment to quick and efficient processing, plus outstanding customer care. All claims are paid in USD or other major currencies.

  • Country-Specific Plans: Clements offers a number of country-specific plans. Select your country from the list below to learn more.
Select your country

Travel Medical
Insurance

View this plan

Adventure
Travel

View this plan