| Coverage Benefits
The car insurance benefits in the UK:
- Fully comprehensive and affordable coverage
- Monthly installment payment plan
- Social domestic coverage – ensuring your everyday personal trips
- Breakdown and legal expense coverage available
- Ability to drive into Southern Ireland for up to 60 days
- Fully comprehensive and third-party car insurance in England, Scotland, Wales and Northern Ireland
| Get Your UK Car Insurance Quote
Vehicle insurance is required for drivers in the UK. So, if you’re planning to drive in the UK as an expat, it’s essential to have the right car insurance coverage.
| FAQs
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Our expat auto insurance in the UK can cover accident and damage costs. What your policy covers typically depends on the type of insurance you purchase. With Clements, you can choose between our Comprehensive Coverage and Third-Party Only Coverage. Here is a breakdown of what each can include:
Third-Party Only Coverage (our basic coverage):
- Property damage (up to £20,000,000)
- Property damage cost/expenses (up to £5,000,000)
- 60-Day Europe Coverage (If you take your car to Europe, it can remain insured on your policy for 60 days)
Comprehensive Coverage (our most complete coverage):
- Property damage (up to £20,000,000)
- Property damage cost/expenses (up to £5,000,000)
- 60-Day Europe Coverage Legal costs (up to £35,000)
- Loss of/damage to your vehicle Windscreen or window damage
- Child/booster seats
- Medical expenses
- Personal Accident Coverage
- Personal Belongings Coverage
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Our Third-Party Only Coverage and Comprehensive Coverage do not include the following:
- Tire damage (unless damage was sustained in a road accident)
- Vehicle wears and tears
- Vehicle mechanical breakdowns
- Any accessories not permanently attached to your vehicle.
- Compensation for not being able to use your vehicle.
- Theft if vehicle is unlocked or keys are left inside.
- If your vehicle is taken without consent by an immediate family member.
- If your vehicle is taken without consent by someone living in your home.
- Loss of fuel or damage caused by incorrect fuel usage.
- Any legal liability, loss or damage while driving under the influence.
- Loss or damage covered by another insurance policy.
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Up to 30 days from the time you quote. Once those 30 days are up, you will need to request a new quote.
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In general, there are three main levels of cover available to foreign nationals driving in the UK: third party only; third party, fire and theft; and comprehensive. Clements offers fully comprehensive coverage to expatriates. Please learn more about the insurance benefits above.
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Add-ons are only available at the time of purchase and renewal of your UK car insurance policy. If you have a specific need regarding add-ons during the term of your policy, please give us a call at 44(0).33.0099.0104 so we find a solution that fits your needs.
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Car insurance policies are annual.
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The type of car you drive will have a bearing on the price of the insurance policy offered to you. Generally speaking, cars are classified into 50 possible groups based on factors like engine size, power, and the cost of repairs.
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Windscreen cover is included on all our UK car insurance policies, subject to your policy excess. Please refer to your policy to confirm cover levels or contact us with any questions.
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It depends on your policy – please refer to your plan.
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Excess in some countries is known as “Deductible”. The excess is the amount that you, the policyholder, are responsible for in the event of a claim. The total excess is made up of two parts: voluntary and compulsory. Compulsory excess is the minimum excess set by the insurer and is shown in your policy documents. Voluntary excess is chosen by you and is in addition to your compulsory excess.
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Your phone number is one of the details that the insurance provider will need to include in your policy document. Don’t worry, we won’t share your contact details with any third parties. Please see our Privacy and Data Protection Hub to learn more about our commitment to protecting your data.
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Your address is necessary for your policy document. Your address and location will have a bearing on the cost of your policy. Occasionally, post codes are entered into our form that our system cannot locate. If this happens to you, just enter a post code from a nearby area, we’ll be able to get you an accurate quote.
| 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.
