Worldwide car insurance icon.

Worldwide Car Insurance

Many countries require a minimum of third-party liability car insurance to cover damage you may cause to others, but only carrying this required minimum leaves your own vehicle uninsured and you financially liable for repairs or theft.

Worldwide Car Insurance is a separate global policy that sits on top of your local third-party liability insurance to cover physical damage and theft to your own vehicle.

Customize your policy with our borderless coverage, which includes:

  • Physical Damage coverage and
  • Excess Liability protection

Protect Your Car Worldwide

Country of Coverage
Smiling expat couple drives down coast with the top down in their convertible.

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Policy documents are in English and claims are handled in-house with a commitment to quick and efficient processing.

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

Please note, Worldwide Car Insurance is an added layer of protection and is not a substitute for third-party liability insurance (many countries’ legal minimum). Clements provides local third-party liability insurance in select countries. Otherwise, you will need to obtain third-party liability insurance through local carriers.

Physical Damage & Reimbursement

Our worldwide car insurance policy protects against collision, theft and damage, even political violence. It includes the following:


Worldwide Coverage

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.


Transit Coverage

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.


Accident Forgiveness

Your rate stays the same even after your first accident.

Excess Liability Coverage

Ever wonder if the minimum required local third party liability coverage will be enough? Avoid being underinsured and financially liable for accidents with our excess liability protection. You will be covered for liability resulting from bodily injury and/or property damage to others at a much higher level of protection and avoiding any gap in 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

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Bundle & Save

Add Personal Property insurance to your Mexican Car insurance with Excess Liability coverage and save.
Worldwide car insurance icon. + Personal valuables coverage icon.


Discount on Your Personal Property Insurance

If you have an active Auto Insurance policy with Excess Liability, we will apply a discount on your Personal Property insurance policy, to help you protect your belongings during transit and in your new location.

Request your Car quote, indicate that you are interested in Personal Property insurance, and we will reach out about your policy options.

Who Might Need Worldwide Car Insurance?

Having auto coverage for your personal vehicle overseas is critical. Those who may need this type of coverage include:

Government employees and contractors, such as embassy staff

Military personnel serving overseas

Non-profit workers

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?

The U.S. State Department advises American drivers abroad to “check with the embassy of the country you plan to visit or live in to find specific driver’s license requirements,” as many countries do not accept a U.S. driver’s license. However, most countries will accept an International Driving Permit (IDP), a translation of your U.S. driver’s license. Organizations like AAA can assist you with getting an IDP.

See more FAQs below

Coverage Chart

Some exclusions apply.

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.

Is This the Coverage You Need?

Get auto coverage that knows no borders. Get a quote for your worldwide car insurance needs.
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Frequently Asked Questions

Here are a few questions about worldwide car insurance we often hear from our customers:

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Additional Policies for All Your Needs

Consider these other insurance solutions to protect yourself, your stuff and your family:
Personal Property and valuables insurance icon.

Related Policy

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.  

Health insurance icon.

Related Policy

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.

Contact Us

Still have questions? Fill out the form below and get in contact with a Clements Personal Insurance Advisor today.