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What to Look for When Choosing Your International Automobile Insurance?
Do you live abroad or plan to move overseas?
This video explains everything you need to know and how our comprehensive international car insurance policies can provide you with flexible options.
Global Car Insurance Coverage & Benefits
Physical Damage & Reimbursement
We specialize in car insurance for expats. That’s why we offer worldwide physical damage coverage, protecting your vehicle from collision, glass breakage, theft, and fire. Your vehicle is covered across borders. Please note, some exclusions apply.
All risks from departure to arrival available for government employees and contractors only.
Political Violence Coverage
If your car is damaged from riots, strikes, terrorism and other perils, you are covered through Clements’s exclusive Political Violence insurance extension, included with your policy.
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.
Home Country Rental Car Insurance Expense Reimbursement
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.
Covers Towing and Labor Reimbursement
Up to $100 USD per disablement, up to $300 USD per policy term.
Optional Coverage for Duty Expenses
Saves you money when you need to import a replacement vehicle or parts to repair your damaged car.
Your rate stays the same even after your first accident.
Excess Liability Coverage
What Does Excess Liability Coverage Do?If your third-party liability insurance is not enough to cover costs resulting from bodily injury and/or property damage to others, this coverage provides protection for those gaps, keeping you fully protected. Excess Liability is designed to cover insurance gaps and is stacked on top of third-party liability coverage. It extends the protection of your third-party liability insurance to protect you from costs associated with bodily injury and property damage. Drivers typically receive coverage up to USD 500,000 to 1,000,000, helping to shield you from financial liability. This supplemental insurance also covers property damage, whereas the local policy does not. Please note that Excess Liability Coverage is not available in the U.S., Canada, the driver’s home country, or sanctioned countries.
Get Your Worldwide Car Insurance Quote
Who Might Need Worldwide Car Insurance?
Government employees and contractors, such as embassy staff
Military personnel serving overseas
Health care workers
Remote workers and digital nomads
Retiree living abroad
Families and individuals travelling internationally
Any other expat or professional living or working abroad
Is My U.S. Driver’s License Valid Overseas?
Policy Deductible: Starts at USD 250 and is available in increments of $500, $1,000, $1,500, $2,500.
Political Violence Coverage: Protection against riots, strikes, acts of terrorism, sabotage, malicious damage, insurrection, revolution, rebellion, war and/or civil war. Coverage not available in the U.S., Canada, the driver’s home country, or sanctioned countries.
Rental Reimbursement: $30/day; maximum of 10 days.
Home Country Rental Insurance Reimbursement: $12/day; maximum of 21 days. Available in your home country, including the United States & 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: Transit coverage compensates you for any damage to your vehicle when shipped overseas or sent home. It covers any damages from home port to host country port. Coverage is available for government employees and contractors only and it is not available in the US, Canada and territories subject to international sanctions.
Territory Exclusions: Coverage is not available in the US, Canada and territories subject to international sanctions.
Frequently Asked Questions
Here are a few questions about worldwide car insurance we often hear from our customers:
Additional Policies for All Your Needs
Worldwide Personal Property Coverage
Cover your most cherished belongings in-transit and at your destination. Learn why international personal property insurance may make sense for you.
Worldwide Health Coverage
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.
Still have questions? Fill out the form below and get in contact with a Clements Personal Insurance Advisor today.