| Features: Physical Damage Policy
Your Physical Damage policy protects your vehicle against collision, theft and damage, even political violence. Coverage includes:
- Protection against collision, theft, any damage that happens to the car (e.g. hail, vandalism etc.)
- Political violence coverage: Damage to your car resulting from riots, strikes, terrorism and other perils are covered through Clements’ exclusive Political Violence insurance extension
- Accident forgiveness: Your rate stays the same even after your first accident
- Covers Towing & Labor Reimbursement: up to $100 USD per disablement, up to $300 USD per policy term
- Home country rental car insurance expense reimbursement: All vehicle policies that include Physical Damage coverage will cover the cost of rental car insurance for $12 USD/day up to 21 days per policy period when renting a car in the US, Canada or your home country. This does not have to be consecutive.
- Windshield replacements included
- Transit coverage: all risk from departure to arrival available for government clients only
- Optional coverage for duty expenses
| Features: Third-Party Liability Policy
Clements Worldwide, in partnership with Vittoria Assicurazioni S.p.A. offers third-party liability Italian car insurance policies that include: *
- Third-party liability (Responsabilita’ Civile verso Terzi)
- Vehicle protection (Danni Autovetture)
- Personal accident coverage (Infortuni Conducente)
- RCA sum insured with Bonus/Malus
- Competitive discounts to future policy holders
- Special discounts for expatriates 15 days of guaranteed cover after policy expiry
*Subject to underwriting guidelines. Limits, conditions and exclusions may apply.
| FAQs
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You can purchase the car without an Italian driving license, however, please check that the license that you hold is valid to drive in Italy. This needs to be checked wither with the local authorities or the office ACI or PRA (www.aci.it). However, it is mandatory to have an Italian fiscal code (tax code) in order to purchase a car in Italy.
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Clements can provide coverage for non-EU/EEC registered vehicles for up to 135 days with proof of Italian residency. You must arrange for your car to be registered under a local Italian license plate for us to continue to provide you with coverage beyond 135 days.
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Our roadside assistance is available 24/7/365, both inside and outside of Italy. It is valid within Green Card territories (any member of the European Union including the Schengen area).
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Currently, we can only issue annual policies. We can offer an annual contract, split into two instalments (6 months each) and put the policy on hold for up to 18 months.
If you choose to put your policy on hold, the expiry date will be postponed. For example, if you defer the policy by one month, the expiry date will be postponed by one month.
To defer your policy, you must send us an email. Please note, to defer your policy there is a €10 free. There is also no limit to the number of times that you can defer your policy. -
If you have bought Third Party Liability coverage, you will be provided with a Green Card (“Carta Verde”). This Green Card allows you to drive in any of the European Union countries and Schengen Area. The same level of cover provided for Italy will be also valid within the EU and Schengen Area.
For example, if you purchased theft and fire coverage with your Third Party& Liability insurance, your car will be covered for these even if you are not in Italy.
Countries covered by the Green Card provided with your insurance include: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).
For Italy (including San Marino and the Vatican City) we will provide you with an Italian certificate of insurance.
| Why Choose Clements?
Our expertise is providing international insurance coverage to the military and government community. Our specialists will ensure you are adequately covered while driving and living abroad.
Key insurance benefits include:
- 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
| Contact Us
Still have questions? Fill out the form below and we’ll be happy to answer them.
