Terms & Conditions

Payment

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:

Complaints
Clements Europe Limited
40 Lime Street
London
EC3M7AW

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
London
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

Clements & Co.

1220 L Street NW, Suite 1200
Washington, DC 20005

+1.202.872.0060

+1.800.872.0067 info@clements.com

London, UK
and Gibraltar

Clements Europe Limited*

London:
40 Lime Street
London, UK EC3M 7AW

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

+44(0) 33.0099.0104 europe@clements.com

Brussels

Clements Belgium SPRL

8, Place Marcel Broodthaers
B-1060 Saint-Giles
RPM/RPR: Bruxelles
0721.902.110

+32(0) 2401.2299 belgium@clements.com

Dubai, UAE*

52825
Dragon Mart 2-Business Center
Dubai
United Arab Emirates

+971(0) 55.660.4559 dubai@clements.com

We Are Committed to Protecting Your Privacy

Privacy and Data Protection Hub

At Clements, we take the protection of your data extremely seriously. Our commitment to respecting and actively protecting your non-public information is ingrained in everything we do, from the very beginning.

Privacy Policy

This Privacy Policy, which describes our information practices and policies in detail, applies to our relationship with you as an individual who inquires about or obtains products or services from us for personal, family or household purposes.

Subject Access Request

The following procedure describes your rights and how to make a Subject Access Request under the Data Protection act 1998 (DPA), the General Data Protection Regulations (GDPR) and the California Consumer Privacy Act of 2018 (CCPA).