Best Car Insurance in the UK /USA
Get a complete expat car insurance in the UK that combines physical damage insurance (PD) with local third-party liability protection (TPL).
Frequently Asked Questions
How long is my car insurance quote valid for?
Up to 30 days from the time you quote. Once those 30 days are up, you will need to request a new quote.
What kinds of cover are available?
In general, three main levels of cover available to drivers in the UK: third party only; third party, fire and theft; and comprehensive. Of these, Clements offers fully comprehensive coverage. Please learn more about benefits and features above.
Does my choice of car affect the cost of my policy?
The type of car you drive will have a bearing on the price of the 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.
Is windscreen cover included?
Windscreen cover is included on all our policies, subject to your policy excess. Please refer to your policy to confirm cover levels or contact us with any questions.
Is a courtesy car included in the UK car insurance policy?
It depends on your policy – please refer to your plan.
What is excess?
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.
Why do I need to give you my phone number?
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.
Why do you need to know my address?
Your address is necessary for your policy document. Your address and location will have a bearing on the cost of your policy.
Green Cards for Drivers Registered in the U.K.
exit has been finalized so the U.K. is no longer part of the European Union (E.U.). Drivers registered in the U.K. will now need to carry a physical Green Card with them while driving their vehicle in the member countries of the E.U. If your car is insured with Clements in the U.K., please see the FAQs below to learn more about your insurance coverage in the E.U. and how to obtain a Green Card.
What is a Green Card?
The Green Card is an International Motor Insurance Certificate (IMIC) issued by insurance providers that guarantees that the visiting motorist has the required minimum car insurance coverage for driving in the countries being traveled to or through.
How do I receive my Green Card?
Receiving a Green Card is easy. Contact us at +44(0) 33 0099 0104 or UKamendments@clements.com to receive your Green Card via email or in the mail. If you’d prefer to receive your Green Card via email, we’ll send it to you 1 business day after receiving your request, but you’ll need to print it yourself on plain white A4 paper and the back page has to be blank. You can also use green paper with black text but no other color will be valid.
What information do you need from me to issue my Green Card?
We will need to know the date in which you plan to leave the U.K. and the date of your return.
How much does a Green Card cost?
A Green Card through Clements will cost you £35.00 and you will be required to pay this when requesting the document.
Will my current car insurance be affected by exit?
Clements will continue to provide the same car insurance coverage for travel to the E.U. Therefore, you won’t need to purchase additional car insurance when traveling to these countries with a U.K. registered vehicle if you have a Green Card. You’ll continue to hold the same coverage that you have now.
Why is it called a Green Card when it can be white?
The Green Card changed to being valid in black text on white paper in July 2020. The managing organization of the Green Card system, the Council of Bureaux, facilitated this change with the appropriate authorities in the participating countries. The Green Card system has existed for more than 50 years so the tradition of calling it a Green Card still remains.
What happens if I don’t have a Green Card?
When driving in the E.U., make sure you have the Green Card and your proof of car insurance with you at all times. Without a Green Card, you may be refused entry to the country you’re travelling to or have to repurchase insurance at the border. If you’re pulled over or involved in an accident, you could also run into further problems because driving without a Green Card is considered to be a violation similar to driving without insurance.
Where will the Green Card allow me to drive?
The Green Card we issue to you will allow you to drive in member countries of the E.U. plus Andorra, Bosnia and Herzegovina, Iceland, Norway, Serbia, and Switzerland.
What You Need to Know
USA Insurance can help you select the best life insurance coverage for your needs. There are several different types of life insurance products available – the most common include:
Term Life InsuranceTerm life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 20-year (level term) period.
Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
Whole Life InsuranceWhole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.
Universal Life InsuranceUniversal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.
What type of life insurance is best for you? Talk with the team at USA Insurance. We can assist in identifying the best protection for you.
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