Clements

International Car Insurance

With more than 75 years of service, Clements Worldwide offers comprehensive international car insurance to our valued expats in most countries around the globe. As our customer, you can drive at home or abroad with confidence knowing you and your car are protected. Our hassle-free overseas car insurance coverages provide:

We offer three types of International Car Insurance, which you can combine for maximum coverage: Worldwide Physical Damage, Third-Party Liability, and Excess Liability Insurance.

Worldwide Car and Motorcycle Insurance – Physical Damage

Car Insurance Worldwide

International Motorcycle Insurance

Local Third-Party Liability Insurance

Car Insurance in the UK

Car Insurance in Italy

Car Insurance in Mexico

Car Insurance in Ireland

Car Insurance in Spain

Car Insurance in Germany

Car Insurance in the US

Van Insurance in the UK – Quote

Personal Insurance

– Foreign Admin Support Specialist, Santiago, Chile

Foreign Service

– Diplomat in Mexico

Personal Insurance

– Expat in Italy

Personal Insurance

– Expat in Tanzania

Who Needs International Car Insurance?

Military stationed overseas

Government employees and contractors

International school teachers / educators

Remote workers/digital nomads

Professionals living and working abroad

Health care and nonprofit workers

Retirees living abroad

Individuals traveling internationally

Families traveling internationally

Missionaries

What to Look for When Choosing Your International Car Insurance?

To learn more about the basics of international car insurance, watch this short video.

FAQs

What is International Car Insurance?

International auto insurance is a broad term for car insurance that protects drivers abroad. If you’re an expat or work abroad and are planning to use your vehicle in another country, often your domestic car insurance policy won’t cover this due to territory restrictions. International car insurance has different levels of coverage, depending on the policy you choose. Our Third-Party Liability Insurance covers property damage and bodily harm to others, and physical damage (our Worldwide Car Insurance policy) keeps your vehicle protected from collision, theft, or other damage.

Excess liability supplements the local compulsory liability coverage you are required to carry in each county you are traveling in.

This means, in the unfortunate event that your vehicle is damaged or stolen in another country, if you get into an accident, or if your local compulsory third party liability coverage is not enough to cover third party bodily injury or property damage, you can file a claim on your international auto insurance for physical damages and excess liability.

All three coverages—Third-Party Liability, Worldwide Car Insurance (which covers physical damage), and Excess Liability—can be combined to maximize your protection.

Does My Car Insurance Cover Me in Another Country?

Most domestic insurance policies do not cover you when traveling abroad due to territory restrictions, meaning you will have to take out an additional insurance policy that covers expatriates in foreign countries. However, at Clements, we offer flexible international auto insurance policies that cover you abroad and also domestic car insurance policies to cover you in the USA. If you travel to another country for work, your international car insurance policy is fully portable and will follow you wherever you decide to go. So, no matter what happens, you can drive abroad with total financial security.

What Coverage Do I Need?

If your personal car insurance policy doesn’t cover you abroad, you need to make sure you have an international auto insurance policy in place before you drive in another country.

At Clements, our international auto insurance policies work around you, so you can select the exact coverage you need.

You can choose

Combine all three for maximum coverage.

What Information About International Car Insurance Do I Need to Know Before I Move Overseas?

Required information varies from country to country, but most policies require personal details, including driver’s license info, and vehicle information. You may be asked to provide additional information depending on each country’s regulations. For example, in Italy, the policy follows the car instead of the driver. Each country also has varying legal limits, and even with those limits, customers may need to supplement their insurance based on local factors. While some information is required, you do not need any documentation to get a policy for international car insurance.

Because of the complex nature of international car insurance, it’s important to speak with a knowledgeable advisor to ensure you are adequately covered. Clements provides coverage in more than 170 countries, and we have been insuring expats since 1947.

Does International Car Insurance Cover International Car Rentals?

Rental cars are not covered under our international car insurance policies.

Does My Overseas Policy Cover Driving in the U.S.?

No, the international car policy’s coverage does not include the U.S. You need to have proper U.S. car insurance coverage to drive in the States.

Can I Add a Foreign National to My Car Insurance?

Yes! Adding a second person, including foreign nationals, to your international car insurance is an option in all coverage areas. Getting a quote for a second driver is easy and usually requires basic information (birth date, license information, etc.), but please note that requirements vary by country.

Is Car Insurance for Foreign Countries Necessary?

If you’re moving to another country and taking your car with you, or buying a car there, you’ll definitely need local car insurance. Your domestic insurance will most likely not cover you, and driving without insurance is illegal in most countries.

Research the insurance requirements and options in the specific country you’ll be in. Our Personal Insurance team can help guide you and explain our coverage options. Some key things to keep in mind:

Looking to renew your international car insurance policy? Visit our Policy Renewal page to select the policy you’d like to renew and fill out the form, or to contact us with any questions.

Why Choose Clements for International Car Insurance?

Coverage in 170+ countries

Affordability—coverage that fits your budget

Global/borderless coverage—your policy automatically adjusts to meet the local insurance requirements in whichever country you are driving

Policy documents in English

Claims handled in-house, making the process quick and efficient

Can include both Physical Damage and Excess Liability coverage

Protect Your International Trips

Global Travel and Medical Insurance

Contact Us

Still have questions? Fill out the form below and we’ll be happy to answer them. Or reach us at:

Personal insurance: info@clements.com

1.800.872.0067 | 1.202.872.0060 | UK 44(0) 33.0099.0104