Worldwide car insurance icon.

Worldwide Car Insurance

Our 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

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

Protect Your Car Worldwide

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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

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 comprehensive, collision, and theft coverage so you & your vehicle can cross borders anywhere and still be covered – 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 your local third party liability coverage will be enough? With our excess liability coverage, 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?

Excess Liability is a supplemental limit of liability (usually $500,000 or $1,000,000) that is stacked on top of the local third party liability coverage and provides additional coverage for bodily injury and property damage. This insurance also covers property damage, whereas the local policy does not.

Additional Terms & Conditions: 1. A deductible applies. 2. A standard war exclusion applies. 3. Coverage is excluded while the automobile is in Canada, Iran, and North Korea.

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Who Might Need Worldwide Car Insurance?

Having auto coverage for your personal vehicle overseas is critical, especially if you’re a:

Retiree living abroad

Digital nomad

Other expat or professional living/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.

Coverage Chart

Some exclusions apply.

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; 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.