Terms & Conditions


You may pay for your policy by MasterCard, VISA, American Express, Discover Card, Check or Money Order. Checks and Money Orders should be made payable to Clements Worldwide.

Privacy Policy

Clements Worldwide believes that our clients’ personal information should be carefully protected. For this reason, we are committed to protecting your non-public personal information and using it only as appropriate or necessary to service and administer your policy. Our Privacy Policy provides detailed information on our practices and policies as they relate to information collection, information security and information sharing to third parties and to members within our corporate family.

Review our complete Privacy Policy.

Policy Delivery

We will process your information as soon as possible. If any additional information is needed, an Account Executive will contact you within 2 business days. Once your application is approved, we will mail your policy contract along with your declarations page to the address indicated on your application. You may choose to receive your policy by mail or e-mail.

Cancellation Policy

You may cancel your policy at any time. All policy cancellation requests must be submitted to Clements Worldwide in writing by e-mail, fax, or traditional mail. Once coverage is canceled, refunds are available according to the terms and conditions stated in your policy.

Clements’ Commitment to Service

We do our best to provide exceptional service, but sometimes issues arise. If you have encountered a problem, please contact us immediately using the procedure below so we can resolve your issue as quickly as possible. We look forward to serving you!

How to Submit a Complaint 

Telephone is the quickest way to submit a complaint. Call us at: 44(0) 33.0099.0104

Alternatively, you can reach us via email or post at: complaints@clements.com

Or mail your complaint to:

Clements Europe Limited
40 Lime Street

Please provide the following information:

  • Address with postcode
  • Telephone number
  • E-mail address
  • Policy number
  • Reason for your complaint

What Happens Next?

Clements’ Complaint Resolution Procedures

  • Summary resolution: If Clements can resolve your complaint within three business days, we will send you a summary resolution letter as confirmation and explain the role of the Financial Ombudsman Service.
  • Acknowledgement: If Clements is unable to resolve your complaint within three business days, we will send you an acknowledgement detailing our complaint resolution process and include information regarding the Financial Ombudsman Service.
  • Eight-week update: If Clements cannot resolve your complaint within eight weeks, we will provide an explanation with an approximate timeline for a final response. We will also include a statement of your right to contact the Financial Ombudsman Service.
  • Final Response: If Clements is unable to resolve your complaint within three working days, we will send you a final response which confirms our investigation, decision, and next steps. It also includes information about the Financial Ombudsman Service.

Complaint Escalation

Should you find Clements’ final written response unsatisfactory, you may ask the Financial Ombudsman Service (FOS) to review your complaint. This service is free and independent of Clements. Please note: the FOS will only consider your complaint once Clements has issued a final decision, and you have six months from the date of that decision to file your complaint. This does not affect your right to legal action.

You can contact the Financial Ombudsman Service at:

Email: complaint.info@financial-ombudsman.org.uk
Tel: 44(0)0800 023 4567
Tel: 44(0)0300 123 9123
Financial Ombudsman Service
Exchange Tower
Harbour Exchange Square
E14 9SR

Additional resources regarding Financial Ombudsman Service can be found at: financial-ombudsman.org.uk

Ongoing Access to Privacy Policy

We will provide a notice of our privacy policy annually, as long as you have a continuing customer relationship with us. This policy may change from time to time, but you can always review our current policy by visiting our website at www.clements.com or request a copy of your information by contacting us at our offices below:

Washington DC icon.

Washington, DC

Clements & Co.

1220 L Street NW, Suite 1200
Washington, DC 20005


UK insurance icon.

London, UK
and Gibraltar

Clements Europe Limited*

40 Lime Street
London, UK EC3M 7AW

Unit 243.01
World Trade Center
6 Bayside Road
Gibraltar, GX11 1AA

+44(0) 33.0099.0104
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Clements Belgium SPRL

8, Place Marcel Broodthaers
B-1060 Saint-Giles
RPM/RPR: Bruxelles

+32(0) 2401.2299
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Dubai, UAE*

Dragon Mart 2-Business Center
United Arab Emirates

+971(0) 55.660.4559