Car Insurance in the U.K.
Comprehensive Expat Car Insurance
Get a complete expat car insurance in the UK that combines physical damage insurance (PD) with local third-party liability protection (TPL). Since 1947, Clements has been meeting the motor insurance needs of individuals living and working outside of their home country, with affordable and comprehensive solutions and unsurpassed servicing standards.
Clements UK motor insurance benefits include:*
Fully comprehensive and affordable coverage
Same day cover
Monthly installment payment plan
Breakdown and legal expenses cover available
Includes social domestic which provides cover whether you are driving to the shops or commuting between your home and your place of work
Fully comprehensive and third-party
*Subject to underwriting guidelines. Limits, conditions and exclusions may apply.
With Clements, Bob’s Your Uncle!
Frequently Asked Questions
How long is my car insurance quote valid for?
Up to 30 days from the time you quote. Once those 30 days are up, you will need to request a new quote.
What kinds of cover are available?
In general, three main levels of cover available to drivers in the UK: third party only; third party, fire and theft; and comprehensive. Of these, Clements offers fully comprehensive coverage. Please learn more about benefits and features above.
Can I purchase add-ons at any time?
Add-ons are only available at the time of purchase and renewal. If you have a specific need regarding add-ons during the term of your policy, please give us a call at +44(0) 33 0099 0104 so we find a solution that fits your needs.
How long will my policy last?
Car insurance policies are annual.
Does my choice of car affect the cost of my policy?
The type of car you drive will have a bearing on the price of the policy offered to you. Generally speaking, cars are classified into 50 possible groups based on factors like engine size, power, and the cost of repairs.
Is windscreen cover included?
Windscreen cover is included on all our policies, subject to your policy excess. Please refer to your policy to confirm cover levels or contact us with any questions.
Is a courtesy car included in the UK car insurance policy?
It depends on your policy – please refer to your plan.
What is excess?
Excess in some countries is known as "Deductible".
The excess is the amount that you, the policyholder, are responsible for in the event of a claim. The total excess is made up of two parts: voluntary and compulsory. Compulsory excess is the minimum excess set by the insurer and is shown in your policy documents. Voluntary excess is chosen by you and is in addition to your compulsory excess.
Why do I need to give you my phone number?
Your phone number is one of the details that the insurance provider will need to include in your policy document. Don’t worry, we won’t share your contact details with any third parties.
Why do you need to know my address?
Your address is necessary for your policy document. Your address and location will have a bearing on the cost of your policy.
Occasionally, post codes are entered into our form that our system cannot locate. If this happens to you, just enter a post code from a nearby area, we’ll be able to get you an accurate quote.