Car insurance from Clements [drivers with foreign licences]

AP_MAN

does any one has insurance from these guys www.clements.com?

any feedback much appreciated. got my car over the weekend, need to sort out the insurance today.

mistress_gi

I don't know if this helps at this stage but I am a foreigner living in Ireland and I just got 3rd party insurance from them at 420 euros a year for a 2.0 imported toyota celica.
They don't really care what kind of car you drive, they will take into account your claims history and the value of your car.
You can only get fully comp when the car is worth more than $5k.
They are a broker based in the US (they also have a headquarters in London) and use AIG has their insurer.
So far I found them very reasonable to deal with. I hope I don't have to find out how they deal with claims

Sobanek

How do they work exactly? Sounds fishy to be honest.

I got a quote of €1,118 for an M3, so very fishy.

mistress_gi

So they are brokers rather than insurers, they use AIG europe as their policy holders.
Keep in mind they will not give you the extra bits like windscreen insurance and roadside assistance.
So I made an application, they checked everything, then got an email asking for payment details (I called and paid over the phone with my credit card) once payment cleared they emailed me all my policy documents.
There are a few good people from group I am part of that hold insurance through clements and they all tell me they are really good.
I took the plunge because the prices I was getting for my car were completely insane!
I will say that it took 10 days for them to get everything done so I wouldn't be in a rush to get all the paperwork.

Foxhole Norman

Sobanek wrote: »

How do they work exactly? Sounds fishy to be honest.

I got a quote of €1,118 for an M3, so very fishy.

There's no option that just applies to us though, the options are only for people that are working abroad or working for the government,UN etc.

mistress_gi

Not really! As long as you are an expat (I am a european citizen- NOT IRISH- living and working in Ireland ) they will insure you.

AP_MAN

thanks, I sorted with them, got mine for the same price euros 420, my car is 1.6, they are really good, am Indian, working and living in Ireland, so they insured me, not sure about the claims though, can any one share their experience on claims that will be helpful.

mistress_gi wrote: »

I don't know if this helps at this stage but I am a foreigner living in Ireland and I just got 3rd party insurance from them at 420 euros a year for a 2.0 imported toyota celica.
They don't really care what kind of car you drive, they will take into account your claims history and the value of your car.
You can only get fully comp when the car is worth more than $5k.
They are a broker based in the US (they also have a headquarters in London) and use AIG has their insurer.
So far I found them very reasonable to deal with. I hope I don't have to find out how they deal with claims

mistress_gi

Don't have experience with claims myself, but from what I read in their website when you need to claim you need to request a claims package from them and submit all the relevant paperwork.

AP_MAN

they offer insurance for the foreign people working here (off course based on your past driving history), so, they will not offer insurance to an Irish citizen here as far as I understand it !

Foxhole Norman wrote: »

There's no option that just applies to us though, the options are only for people that are working abroad or working for the government,UN etc.

mistress_gi

Yes, I think that is it BUT I would most definitely call and try to get them to do it! You have nothing to loose!

gnote2

thanks for the info. i am an international student here in ireland. already tried and requested the quotation online. they not only cover worker but also student as there is an option for student in the list.

currently in process and will pay the premium before they give all the documentation. cheapest i can get for now as other company have give me an insane price

mistress_gi

If you have any issues like that try giving them a call in london, the number is on the website

hassan93

can you please help me out? im a student in ireland and tried to get an insurance from them but they replied that they dont do the insurance for students?

AP_MAN

that's right, they do only for the professionals working full time.

hassan93 wrote: »

can you please help me out? im a student in ireland and tried to get an insurance from them but they replied that they dont do the insurance for students?

E.V

AP_MAN wrote: »

thanks, I sorted with them, got mine for the same price euros 420, my car is 1.6, they are really good, am Indian, working and living in Ireland, so they insured me, not sure about the claims though, can any one share their experience on claims that will be helpful.

I am Malaysian n working in Ireland. I have a mini cooper n choose physical damage n third party - quote use 960 (800 euro) I wonder how u get 420 euro?

Thanks in advance.

Superwofy

The requirement also includes that you're over 25. Not sure if it's on the website. I applied with them and they told me I was too young a few months ago.

A friend of a friend made a claim with them and apparently had no issues.

E.V

Superwofy wrote: »

The requirement also includes that you're over 25. Not sure if it's on the website. I applied with them and they told me I was too young a few months ago.

A friend of a friend made a claim with them and apparently had no issues.

Thanks but I'm 33 so wonder what criteria to get 420 euro..

Liam McPoyle

E.V wrote: »

I am Malaysian n working in Ireland. I have a mini cooper n choose physical damage n third party - quote use 960 (800 euro) I wonder how u get 420 euro?

Thanks in advance.

Mini Coopers are generally rated quite highly by insurers. The fact that there has been a massive change in the insurance market in the last 12 to 18 months (the guy got €420 in July last year) also likely has something to do with it too.

lcwill

I also have Clements, fully comprehensive. Many of my colleagues do too. Seem good so far, very cheap, but I haven't had to claim yet.

I don't understand how they work to be honest but they only insure people working outside their own country. Can be anywhere in the world. Perhaps foreign/expat workers are a very low risk group.

Price Forbes is another similar company but they normally do not offer third party liability insurance. Clements somehow manage to provide the whole package.

They do not offer any no claims bonus so you cannot expect your premiums to decrease, but they will give you a risk certificate proving X years of no claims if you want to leave and get normal insurance.

E.V

Business Cat wrote: »

Mini Coopers are generally rated quite highly by insurers. The fact that there has been a massive change in the insurance market in the last 12 to 18 months (the guy got €420 in July last year) also likely has something to do with it too.

Thanks. If I get physical damage and third party cover does that mean I'm covered full comprehensive?

Stheno

E.V wrote: »

Thanks. If I get physical damage and third party cover does that mean I'm covered full comprehensive?

No.

gnote2

E.V wrote: »

I am Malaysian n working in Ireland. I have a mini cooper n choose physical damage n third party - quote use 960 (800 euro) I wonder how u get 420 euro?

Thanks in advance.

i think most of the quote that i get is around that much. not sure why u get so high. is it a sport car type?

p/s : malaysia kat mana bro?

Liam McPoyle

Stheno wrote: »

No.

I would have thought it does tbh.

Physical damage would mean damage to his car, third party is self explanatory.

Obviously the broker has to clarify.

E.V

E.V wrote: »

I am Malaysian n working in Ireland. I have a mini cooper n choose physical damage n third party - quote use 960 (800 euro) I wonder how u get 420 euro?

Thanks in advance.

I called the company n they said I'm here for a long time more than one year so they can't insure me!!! Ask me to get full Irish licence!!! Is that right?

E.V

gnote2 wrote: »

i think most of the quote that i get is around that much. not sure why u get so high. is it a sport car type?

p/s : malaysia kat mana bro?

What should I do with Malaysia licence? Is there anyway I can get international insurance?? Pls help

rehab ghomeim

my husband has international licence and he insured with clement and I am learner they refuse to add me as second driver what can I do

Mycroft H

If they won't you'll probably have to pass your test here and get an Irish driving licence. We've all had to do it.

rehab ghomeim

Mycroft H wrote: »

If they won't you'll probably have to pass your test here and get an Irish driving licence. We've all had to do it.

I have learner irish licence but iam new here so I can't take the full licence now after 6 months and I need to drive now

Mycroft H

It's a tough position. Can your husband convert his licence to an Irish licence? At the moment no Irish insurance company will cover you on a learner permit on someones insurance with an international permit.

Getting public transport for 6 months may be the only option.

Alexanderis

Two of my colleagues have used clements.com to insure their cars for a fairly small price(ok, really really small), but it seems they might be pulling out of the Irish market.

Although I haven't found any relevant news, they are only quoting for 6 months now and it looks like they'll be stopping quotes all together.

Anyone know anything about this?
Better yet, are there any other alternatives for expats?

ronib

Clements is not accepting quotes from Ireland since April 1st 2016.
As far as I know they cancelled the partnership with AIG in Ireland.
Trying to find an alternative as well.

rajatparihar

lcwill wrote: »

I also have Clements, fully comprehensive. Many of my colleagues do too. Seem good so far, very cheap, but I haven't had to claim yet.

I don't understand how they work to be honest but they only insure people working outside their own country. Can be anywhere in the world. Perhaps foreign/expat workers are a very low risk group.

Price Forbes is another similar company but they normally do not offer third party liability insurance. Clements somehow manage to provide the whole package.

They do not offer any no claims bonus so you cannot expect your premiums to decrease, but they will give you a risk certificate proving X years of no claims if you want to leave and get normal insurance.

Unfortunately clements has stopped providing auto insurance in Ireland. I got to know this as my car insurance provider is Clements and I sent them a mail to renew it and have received this reply.
I really dont know the reason behind it. Do you know any other company similar to Clements who gives auto insurance on international DL?

gnote2

rajatparihar wrote: »

Unfortunately clements has stopped providing auto insurance in Ireland. I got to know this as my car insurance provider is Clements and I sent them a mail to renew it and have received this reply.
I really dont know the reason behind it. Do you know any other company similar to Clements who gives auto insurance on international DL?

they still supply it to ireland. but only for 6 month only. i just renew with them this month. what reply do u get?

rajatparihar

gnote2 wrote: »

they still supply it to ireland. but only for 6 month only. i just renew with them this month. what reply do u get?

They said that my insurance will not get renewed as they stopped providing third party cover in Ireland. Dam !!

gnote2

rajatparihar wrote: »

They said that my insurance will not get renewed as they stopped providing third party cover in Ireland. Dam !!

not sure. it will probably depend on the account handler, i got difference price by different account handler. they seem to not sync..

rajatparihar

gnote2 wrote: »

not sure. it will probably depend on the account handler, i got difference price by different account handler. they seem to not sync..

When did you get your insurance? I mean in which month? Yea you are correct about their out of sync issues as when I was buying the insurance for my car, I got different quotes with different users. lol

Hoping to get some solution as now I am getting a dodgy feeling that I'm gonna loose my no claim bonus certificate as well

gnote2

rajatparihar wrote: »

When did you get your insurance? I mean in which month? Yea you are correct about their out of sync issues as when I was buying the insurance for my car, I got different quotes with different users. lol

Hoping to get some solution as now I am getting a dodgy feeling that I'm gonna loose my no claim bonus certificate as well

this month. 01/04. they cover it only for 6 month only. not sure whether i can get renew on the next term.. you probably can try with different handler and see your luck.

you not gonna lose you no claim bonus, it is trans-fable right?

rajatparihar

gnote2 wrote: »

this month. 01/04. they cover it only for 6 month only. not sure whether i can get renew on the next term.. you probably can try with different handler and see your luck.

you not gonna lose you no claim bonus, it is trans-fable right?

Yes it suppose to be transferable but I am not sure about Clements whether they'll issue it or not :x

Anyway, do you know any other similar kinda insurance provider?

gnote2

rajatparihar wrote: »

Yes it suppose to be transferable but I am not sure about Clements whether they'll issue it or not :x

Anyway, do you know any other similar kinda insurance provider?

they only issue it if you request it earlier..

i know a few, but i forgot the name, will let you know as i need to read back on my log book as i keep a few alternative there

rajatparihar

gnote2 wrote: »

they only issue it if you request it earlier..

i know a few, but i forgot the name, will let you know as i need to read back on my log book as i keep a few alternative there

Yea pls do let me know. Thanks a mil !!

TeaBagMania

*Additional Terms & Conditions: 1. A deductible applies. 2. A standard war exclusion applies. 3. Coverage is excluded while the automobile is in Canada, Iran, and North Korea.

Damn, there goes my plans to drive across North Korea this summer

pabloazazel

Anyone has tried after 1st of April???

pabloazazel

gnote2 wrote: »

they only issue it if you request it earlier..

i know a few, but i forgot the name, will let you know as i need to read back on my log book as i keep a few alternative there

Do not forget to let us know about other alternatives please.


By the way for those with this insurance, what coverage do you guys have? physical damage only or physical damage with excess liablity and what is the difference?

dennyk

pabloazazel wrote: »

Do not forget to let us know about other alternatives please.


By the way for those with this insurance, what coverage do you guys have? physical damage only or physical damage with excess liablity and what is the difference?

Physical damage covers damage to your own vehicle in an at-fault accident (and probably fire/theft/etc. as well, haven't read the details in a while). Excess liability would provide additional coverage on top of a separate primary liability (called "third party" here) insurance policy, so that it would cover damages that exceed the coverage limit of the primary policy. As the statutory limit for third party insurance is something like thirty million euros here, it's basically not useful in Ireland. The "excess liability" option didn't used to be available for Ireland; Clements used to offer primary third-party liability policies here, but since they no longer do, they now offer that excess option instead.

I don't know of any other alternative international expat motor insurance companies. Geico used to offer similar coverage for US expats in Ireland, but they stopped offering it here around the same time as Clements. Your only option is probably going to be an Irish insurance company, unfortunately, and it's going to cost a lot. I was able to get an insurance policy with Liberty on my US license, and it turned out to be pretty cheap, as they accept no-claims histories from insurers in the US, Canada, Australia, and New Zealand, or any EU country (though you will have to do the legwork to get the required documentation from your foreign insurance company). My coworker came here from Panama, though, and had a very hard time getting a quote; he was being quoted upwards of 5k a year with his Panama license from the one or two insurers who would offer him one at all. He just got his Irish learner's permit, though, and was able to get a quote from AXA (I believe) for around 3k after that. It will get cheaper once he gets his full license, too, and of course once he's built up a no-claims history.

pabloazazel

dennyk wrote: »

Physical damage covers damage to your own vehicle in an at-fault accident (and probably fire/theft/etc. as well, haven't read the details in a while). Excess liability would provide additional coverage on top of a separate primary liability (called "third party" here) insurance policy, so that it would cover damages that exceed the coverage limit of the primary policy. As the statutory limit for third party insurance is something like thirty million euros here, it's basically not useful in Ireland. The "excess liability" option didn't used to be available for Ireland; Clements used to offer primary third-party liability policies here, but since they no longer do, they now offer that excess option instead.

I don't know of any other alternative international expat motor insurance companies. Geico used to offer similar coverage for US expats in Ireland, but they stopped offering it here around the same time as Clements. Your only option is probably going to be an Irish insurance company, unfortunately, and it's going to cost a lot. I was able to get an insurance policy with Liberty on my US license, and it turned out to be pretty cheap, as they accept no-claims histories from insurers in the US, Canada, Australia, and New Zealand, or any EU country (though you will have to do the legwork to get the required documentation from your foreign insurance company). My coworker came here from Panama, though, and had a very hard time getting a quote; he was being quoted upwards of 5k a year with his Panama license from the one or two insurers who would offer him one at all. He just got his Irish learner's permit, though, and was able to get a quote from AXA (I believe) for around 3k after that. It will get cheaper once he gets his full license, too, and of course once he's built up a no-claims history.

so I understand that I have to go for the coverage physical damage only right? I guess this cover other cars in case of an accidental because of my fault right?

dennyk

pabloazazel wrote: »

so I understand that I have to go for the coverage physical damage only right? I guess this cover other cars in case of an accidental because of my fault right?

No, physical damage only covers *your* car. You need third party liability insurance (which Clements no longer offers) to cover damage to other cars and injury to other drivers. It is illegal to drive without third party insurance in Ireland.

javiercarrillo

It'd be awesome if someone finds about similar insurance companies. I was checking Irish insurance companies and they want to charge me around 2K? (for the same car I paid 420 EUR in insurance last year)

T.w.a.T.

I just did an online quote, it come back to me at $416.00, don't know how much is in euros, but guess around €350-360 mark.
Thats a big step down from €850, what Im paying at the moment.

javiercarrillo

T.w.a.T. wrote: »

I just did an online quote, it come back to me at $416.00, don't know how much is in euros, but guess around €350-360 mark.
Thats a big step down from €850, what Im paying at the moment.

For 3rd party liability? (Which is a legal requirement).

T.w.a.T.

I presume so.
Will check with them anyway.

javiercarrillo

T.w.a.T. wrote: »

I presume so.
Will check with them anyway.

Yeah, because I got an online quote with them a couple of weeks ago and it was like 400 USD but then noticed that it was only for physical damage (to my own car) and did not include Third Party Liability (which is what I think most people refer to when they talk about "car insurance" as this is the legal requirement in Ireland and many countries).