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Clements Worldwide UK car insurance? Legit or Not?

Clements Worldwide car insurance?

I just bought their insurance through Confused.com and was brought straight to their website after the transaction completed. Do they cover in the UK?

How long does it take them to issue a Policy number or the Policy statement?
I bought the insurance today, to start today, and got nothing back in the form of a reference number or policy number so I am wondering am I covered or not.
I have received an email from them saying "Thank you. We are pleased you have chosen Clements Worldwide for your insurance". Is this all legit?
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  • I’m undecided
    Hi, I've just read some print on my policy:

    THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
    EXCLUSION OF UNDERAGE DRIVER / OPERATOR
    It is hereby understood and agreed that the Company shall not be liable for loss, damage, and/or liability caused while the automobile described in the
    Policy or any other automobile to which the terms of the policy are extended is being driven or operated by any individual under twenty-five (25) years
    of age.

    I am 24, and I stated this when applying for the premium, they also have a copy of my drivers licence. Does this mean I am effectively paying for insurance that I am not covered for? Or am I mis-understanding this and the obvious exclusion is the policy holder?

    If this is the case and I paid in full my policy, should I be entitled to a full refund?
    • Obviously I am concerned and feel if I ring up to clarify they will tell me to be covered I need to add £XXX on to my £900 premium to be covered (standard insurance procedure I'm sure). If this is the case, then why are they giving quotes and accepting payments from 24 year olds in the first place as it seems like this may be a case they are underpricing other competitors to come up better on comparison websites.

      I would like to know what the endorsement fully means and whether I am covered to drive because if I had known when I purchased that it would be £900 for no cover with Clements or £1100 for cover with admiral, I wouldn't have tried to save £200.

      Maybe I'm well wide of the mark and I will apologise if so but I would like some clarity.

      Thanks,
      Seán
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  • Hi Sean,

    Thanks for posting.

    I'm sorry to hear about the issues you are having, I can appreciate it's frustrating!

    We will need to look into this in more detail. Could you please email us at complaints@confused.com and in your reply include all details as well as your date of birth and postcode.

    Thanks for your patience.
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  • Clements customer service are hopeless... Now been 2 month since I bought insurance from them and I'm still waiting for insurance policy, which they supposed to email in 3 days after purchase!
    Called...emailed...left voicemail...nothing so far...
    Will try next week, but if I have to spend that amount of time, I think I will have to make official complaint to appropriate authorities...
    By the way, they take money in time - they don't do delays in money transactions, that's for sure...:)
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  • Clements Worldwide are not cheap anymore , so I can't see any point for people signing up with them now. they raised their prices to nearly double since January 2015 .
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  • I’m undecided
    It is my first insurance policy and I'm over 30. UK License is around 8 months old. They have quoted the lowest amount. I'm undecided as the other policies have a big difference in price. I just want to know what Clements do not provide what is included in other policies.
    • its legit and its targeted to expats only. Thats why they are cheaper than UK insurance companies that don't take in consideration expats who have driving experience but with just got a driving license in the UK. Thats why clements are much better since its a tailored product for that area.

      I am with them and a very happy customer.
    • if you are expat I really would recommend them to you.. last year I was with them and everything was just excellent .. anyway when it comes to renew they increased my premium by £300 than last year without a personal reason .. so I moved to another cheap deal I found.

      make sure you add "legal expenses" to ur policy, because it's not included, and they don't offer courtesy car.

      if your car not brand-new I'd say put in the search form lower price than what it really worth in market .. this will further lower your premium with clements and it will not cause any problems in case of accident claim.
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  • Hi Charith,

    Thank you for posting.

    If you would like to check what is included in your Clements quote, please call them directly on 020 739 74960.

    They will be able to confirm and check exactly what you are covered for.

    I hope this helps!
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