International Motorcycle Insurance
Protect Your Bike Woldwide
Prefer two wheels? We'll cover it!
As an expat, we understand getting around all over the world has its own unique set of challenges. Sometimes, two wheels are better than four. We created physical damage insurance for your motorcycle.
Clements’s Physical Damage policy protects against collision, theft and damage, even political violence. A Physical Damage Policy includes the following features and benefits:
- Comprehensive theft coverage
- Accessory coverage included
- A fast and easy claims process
- Protection against Collision, Theft, & Damage.
- Your rate stays the same even after your first accident.
Home Country Rental Car Insurance
- All vehicle 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.
Towing & Labor Reimbursement
- Up to $100 USD per disablement, up to $300 USD per policy term.
- All risk from departure to arrival available for government clients only.
Coverage Extension Options
Political Violence Coverage Extension
- Damage to your motorcycle resulting from riots, strikes, terrorism and other perils are covered through Clements’ exclusive Political Violence insurance extension.
Optional Coverage For Duty Expenses
Motorcycle Insurance FAQs
Yes, a Clements Worldwide policy compensates for financial losses as a result of the negligence of an uninsured, underinsured, or hit-and-run driver. Coverage would provide payment for any damage, mechanical as well as cosmetic, caused to your vehicle by an uninsured driver.
Clements motorcycle insurance policies automatically include Political Violence, which provides coverage in the event of damage to a vehicle as a result of: Riots, Strikes, Acts of Terrorism, Sabotage, Malicious Damage, Insurrection, Revolution, Rebellion, War and/or Civil War. Many policies exclude vehicle damages due to these coverages.
Duty coverage pays towards duty tax that a foreign government can charge you in the event that your vehicle is totaled in a covered claim. Additionally, duty coverage can also pay the duty tax to import a replacement vehicle. Coverage options available are 25%, 50% or 100% of the of the insured vehicle’s value for relevant taxes (220% available in Egypt only). Duty coverage is an optional extra coverage and does not come with your standard physical damage policy.
For example, if your motorcycle is severely damaged/ totaled in an accident, to receive your insurance payment may require you to transfer the title to a salvage or wrecking company which is considered a sale of the vehicle. Foreign governments may charge a tax on that exchange and duty coverage pays a portion or the entire amount of that tax.
This coverage does not pay for any duty coverage that you may pay to import your vehicle initially to a new country. It is only applicable in cases where there is an insurance claim for physical damages.
The tax rate for the duty tax may depend on a number of factors including the make and model of the vehicle and the country of origin for the vehicle.
It is also important to note that for replacement vehicles, the potential covered amount is based on the totaled vehicle. This means that if the new vehicle ($50,000 vehicle) costs more than the purchase price of the replaced vehicle ($30,000 vehicle) then the policy will only cover a portion of the tax bill.
Yes, if you have made changes to the vehicle, which add to its value, you can send us the receipts and we can increase the documented purchase price for the vehicle which will affect the amount of any future claim.
Yes, Clements provides car rental reimbursement for up to USD 30 per day for a maximum of 10 days for a covered claim under a Physical Damage policy.
Transit coverage compensates you for any damage to your vehicle as it is shipped overseas or shipped home. This policy covers any damages from home port to host country port but is only available for active duty military or individuals employed by their home government.
Yes, one of the primary features of a Clements Worldwide motorcycle policy is that you have worldwide coverage meaning the vehicle can cross borders anywhere and still be covered. There are only a couple country exceptions including North Korea and Iran.
Clements Worldwide pays out vehicle claims on a depreciated basis, meaning the vehicle is depreciated about 1% per month from the purchase date and price (some exceptions apply based on make and model of the vehicle).
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 extension.
Policy Coverage Chart
|Policy Deductible||$100 (Select Policies), $250, $500, $1,000, $1,500, $2,500|
|Political Violence Coverage||Policy includes protection against Riots, Strikes, Acts of Terrorism, Sabotage, Malicious Damage, Insurrection, Revolution, Rebellion, War and/or Civil War|
|Rental Reimbursement||$30/day; max 10 days|
|Home Country Rental Insurance Reimbursement||$12/day; max 21 days (Available in your home country including U.S. and Canada)|
|Towing & Labor||$100 per disablement, $300 per policy period|
|Medical Payments||$2,000 per person in your vehicle, per accident|
|Accidental Death & Dismemberment||$15,000 per person; $45,000 per accident|
|Transit Coverage||All-risk, from departure to arrival included (available for government employees only)|
|Territory Exclusions||Coverage excluded when vehicle is within Canada, Iran, North Korea, or the insured home's country (see policy documents for details)|