Clements Insurance Hub for Halo Financial
It is our mission to enable you to live and work anywhere in the world. Car insurance through Clements Worldwide will also protect you against any misfortunes such as collisions, repairs, damage, theft, breakdowns, and towing related charges.
Clements Physical Damage policy protects your vehicle against collision, theft and damage, even political violence.
Drivers are covered for liability resulting from bodily injury and/or property damage to others that is in excess of the coverage provided by a local Third Party Liability Policy.
Drive with confidence knowing that you are protected should any damage happen to your vehicle almost anywhere in the world.
Covers against vehicle damage resulting from riots, strikes, terrorism and other perils.
We are able to settle claims internationally using a wide variety of currencies.
Your rate stays the same even after your first accident.
Most countries require car owners to purchase compulsory Third Party Liability policy to cover any damage to a person or property made by that vehicle. U.S. or U.K. policies typically have very high limits of above USD 1,000,000.
Other countries require a local liability policy but often the coverage limits are very small. In Mexico, for example, depending on what state you are living, the local liability cover offered by a third party auto liability policy could be as low as USD 5,000 which would not cover costs in a lawsuit.
It is important to determine the limit of your local policy and if it is below USD 500,000 you should think about purchasing the Clements Worldwide Excess Liability Policy.
Yes, one of the primary features of a Clements Worldwide auto policy is that you have worldwide coverage meaning the vehicle can cross border anywhere and still be covered. There are only a couple exceptions including North Korea and Iran.
Clements also offers Third Party Liability in selected countries to cover the compulsory requirements.
To protect against the cost of damages to your vehicle from collision or theft, most individuals purchase a physical damage policy.
If the vehicle owner hurts others or damages the property of others, including another vehicle, a third party liability policy covers these damages and potential lawsuits. Many countries require foreigners living and driving in the country to purchase liability protection from local insurance providers. Because of low limits and the payout in local currency only, Clements offers an Excess Liability policy to protect expatriates from lawsuits or expensive medical claims.
Clements car insurance policies automatically include Political Violence, which provides coverage in the event of damage to a vehicle as a result of: Riots, Strikes, Acts of Terrorism, Sabotage, Malicious Damage, Insurrection, Revolution, Rebellion, War and/or Civil War.
At Clements we pride ourselves on having over 70 years experience focusing on the insurance needs of people living and working overseas. So no matter where you are in the world, let Clements provide the protection you need, helping you to focus on making the most of your time abroad.