Frequently Asked Questions

What information do I need to apply for an auto policy?

• Where is vehicle registered
• Make/ model/ style/ year of the vehicle
• Purchase date and price
• Whether the automobile is made to U.S. specifications
• Mileage
• Whether automate has an alarm or a disabling device
• Whether the automobile is kept in a secured location
• Name and birthdate of all drivers
• Accidents and moving violations within the past 3 years
• Whether you have a personal property policy with Clements (for multi policy discounts)
• Employer name

Do I need an Excess Liability policy?

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.

Does the policy offer worldwide coverage?

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.

How do I know which coverage to choose?

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.

What are the coverage limits for Excess Liability?

What is political violence coverage?

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.