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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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  • Hello Steven,

    Thanks for posting.

    I can confirm that Clements worldwide do cover in the UK. If you have not received your policy documents yet, please contact them directly by calling 02030 093 380 or you can email info@clements.com.

    I hope this helps.
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  • The number given does not work... and they don't reply to emails. I'm getting a tad bit worried...
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  • Just to clarify they did contact me within 2 working days and sent me all the necessary documents needed for insurance cover including certificate of insurance, quote form, breakdown cover certificate and information and legal documents. I also checked with the Motor Insurance Bureau ( http://www.mib.org.uk ), usually takes up to 10 days for your car insurance to be updated on their system, and my car was saying it was insured and all was above board. They are also regulated by the Financial Regulator.
    On a further note I have since contacted them since I took out my insurance with them in regards to breakdown cover as I was having some problems regarding my central locking and I found them very helpful and informative.
    Hope this helps and you get the same satisfaction as I did.
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  • I’m Undecided
    Hi Steve,
    I am thinking about doing the same insurance with them. How has your experience has been so far?
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  • Experience has been no problem at all so far so good. Had a breakdown issue and all was sorted quickly. Happy so far
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  • Hello everybody,
    Is anybody know if they will renew your policy after you reach 6yeas in UK?
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  • Hello people I got this :
    Total Premium:£469.45Instalment Options Total Premium:£464.22Instalment Options:Deposit: £93.89
    Instalments: £47.99 x 9

    From clements, I am 23 years old and I got my licence 1 year ago..
    Is that possible to be that cheap ?
    Please could you advice me?
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  • I tried to phone them but I got just the voicemail all the time,
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  • Hello Betty,

    Thanks for posting.

    If you are concerned that the price you have received is not accurate for your details, please call the insurance provider directly and they can run through all of your details for you.

    You can call Clements on 02073 974 960, or you can email them at info@clements.com.

    I hope this helps.
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  • Hello,

    I have to mention that I have had the worse experience with Clements. I paid the premium last week and today morning, when I checked the MID database, my vehicle is showing up as uninsured. I was not confident about taking my car out, so had to take the public transport to work. Have sent them a few emails and called them several times, did not get much help from them. I am thinking of cancelling the insurance with them and going for a better one.

    -R
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  • 1
    The Mid database should update after 7-14 days, so this is normal. But you can drive just print all the papers in case that the police stops you. MID is a huge database and it's not updated every day. With your certificate printed you can drive without worries. I pay them yesterday and they was very helpful and they sent me the certificate yesterday as well. They told me that it took 7-14 days to appear in Mid I also read all forums ans they say the same. I called the finance services to check id they are legible and they confirmed so I don't think that there should be any problem at all.
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  • I just checked ask mid and my car is insured :) I don't know why is that your car doesn't appear in MID yet. Coz'my car is insured and I made the insurance to be valid from 05-06-13. Which is today.
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  • Hi folks,
    does anybody who was posting negative comments here get anything sorted or no? I get a quote from them as well just dont know if should buy it or no. Its looks like is two group of people here. Ones got everything OK and others seems to have a problem to contact them.
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  • Hi everyone!

    Please post something about this insurance, because I already paid the deposit of the premium today and worried about driving with this insurance...
    • view 1 more comment
    • Hi Guys i want to take car insurance but iam in UK more than 9 years. so is it possible to get car insurance from clements..?
    • I had my car insured with Clements for the last two years. I agree that they provide very cheap insurance. Clement act as a Intermediary and the insurance is actually provided by a company named AIG in UK, previously known as Chartis Europe Ltd. Unfortunately my experience with them quite bad. it took almost three months to make an amendment to my insurance policy, just to add business purpose to policy, even that was with too much Hazel. second thing, my car had a major accident 6 weeks ago and most likely it will be written off. I sent them the claim form 6 weeks ago, forget about settling the claim, they have not yet assessed the extent of the damage to decide whether it is repairable or a total loss.
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  • I’m frustrated
    I have lived in many countries - at present I am in the UK - and have never experienced a company that totally ignores their clients. I have been trying for 2 months to get an address change processed. First of all I spend 3 weeks contacting my agent Michelle Nash, calling her over a dozen times leaving voicemail messages sending dozens of emails and no reply whatsoever.
    when I called the head office in London they were so utterly arrogant and made me feel I was stupid to be calling an agent that apparently had not been working there for a few months and then I ended up in a vicious circle where they refuse to change the address on the phone and I have send 4 official emails to the mail addresses provided by them including using their only mail form and they don't even reply!! I have completely had it with this company and advise everyone to think twice before signing up with them. if they can't even process something as simple as this how will they ever be able to help you when you need to handle a claim.

    Up till date I still need to receive a response from them and I am going to start the process of filling complaints at the ombudsman cancelling my insurance all together.

    What you might perceive as being cheap gets very expensive when you need them!!
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  • I've been with Clements since November 2012 and so far they've been very helpful to me. I was wondering will they provide NCB after my insurance ends?
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  • Seems to me there are too many bloggers here that work for Clements, stop with those comments that are too obvious. These blogs are here for people to discuss things, not for advertising services!
    ( I am active in the Online Marketing industry myself....)
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  • @ Above. if you are referring towards my post then you are wrong. As I am customer of clements myself. I asked this question because I am new into this country and I've been told by someone that they do not provide NCB. Therefore, just asked to confirm
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  • Just discovered. You need to be an immigrant to get a policy from them and hold eu driving license, if you in uk for over 6 years you wont get insurance from them. Strange.
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  • Bunch of amateurs took me 4 weeks to get things sorted and are not willing to help out requests and don't answer emails either
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  • I’m confused
    There is no details on their cancellation policy at all.
    I've been told that Clements do not have a cooling off period (which is against UK insurance rules) so you will need to pay £50 in-case if you do want to cancel your policy a even day after you take a policy out with them.
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  • I’m confused
    Hello,
    customers of this insurance company would mind sharing again their experience, especially now that some time has passed?
    The price is definitely good, but... everything else??? Do you still recommend it?
    I'm very undecided, but on the other hand I don't want to get a £5000 insurance for a car that's only worth £1500!

    Asanka, I have been reading some documents attached to my quote, and there is a 14-days cooling off period. If you cancel within 14 days they should refund any premium paid. Could you describe your experience and why they refused to do so in your case?
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  • I’m undecided
    1
    Hi do have an insurance policy with Clements which is about to expire in a week or so. My experience with this company is kinda mixed. They gave good support, answered queries in time and did ammendments quickly. However, recently things seem to be changing.
    I had a parking incidence where I backed into somebody's car barely touching it with my car's toebar. No damage was done but the other driver was being aggressive unnecessarily. Therefore I took pictures of his car which demonstrate no sign of damage. Because I am aware of frauds happening all around with all sorts of false accusations, I informed the company about this incidence and provided pictures as well. Along with that I provided details of other driver as well.
    Suddenly before the renewal I get a call from company saying other driver is claiming. I havent got any other details at the moment so I dont get any documentary proof of such claim happening. I am still trying to get that information.
    Next thing I get is a quote more than twice for my renewal for coming year. Certainly, I am not a happy bunny!
    I dont know if this is a genuine case or something black. However I am trying to sort this matter out. If parking incidence is going for a claim, it is 100% fraud and I am going to go for legal fight. Thats because I have proof showing no damage to either of the car and I have contacted police right after incident whereas other party woke up after 5 months. Apart from that I want to know why insurance company decided to deal with them after 5 months.

    Therefore, I would advise everybody to get things cleared up with them. I wont say they are bad but I am not fully convinced they are the best either.
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  • I have cancelled my policy with a good notice, sent an e-mail to them and asked to cancel. They haven't refunded my deposit yet. How long do they normally take, do they refund at all???
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  • Hello Simon,

    Thanks for posting.

    The length of time it will take to receive a refund after cancellation will be noted in the Terms and Conditions included with your policy documents. If you have trouble finding this you can call Clements directly on 02073 974 960.

    I hope this helps.
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  • Hello,

    Does any one know what documents should I send to clements after I complete my payment online ?

    Also does they offer NCB certificate after my policy expire with them ?

    Thanks.
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  • Hi Mustafa,

    Thanks for posting!

    Insurance providers will usually ask you to send proof of your No Claims Bonus, however to check whether they require any other documents, you can call them directly on 020 7397 4960.

    If you do chose to cancel your policy, Clements will then send your revised No Claims Bonus.

    I hope this helps.
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  • Hi I've just bought an insurance from them. My payment has been accepted. But they say that my policy and other details will be emailed to me in 3 working days. Can I start driving as my policy cover starts immediately? Also is the reference no on the quote given by clements will be the same as the policy no?

    Thank you
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  • I’m confused
    Good morning,

    I am an italian expatriate and I have bee in the UK for just over a 1.5 years. I got a quotation in october for a Seat Altea Reg54, Third Party only, 0 NCB for 414,56£...I asked for exactly the same quotation yeasterday because I would like to purchase it and it is now 860£!!! what is happened in 3 months to double up the value??

    Has anyone had the same sad problem?

    I look forward to hearing your feedback beacuse this put me completely off and I am thinking about parking my car in the garage for a while...

    Many thanks,

    Emanuele
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  • Hello Emanuele,

    I hope you had a lovely weekend.

    I'm sorry to hear that your recent quotes from Clements are a lot higher than the last time you obtained a quote from them. If it has been around three months since you last received a quote from them then it’s possible that their pricing rates have changed.

    However, if you would like us to look into this for you, please can you email us at communications@Confused.com. Please also include your full name, date of birth and postcode in your email.

    Hope this helps!
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  • Hi,

    I've been with Clements for a year and it definitely is legit and works OK.

    Now, I'm trying to renew my quote, but for some reason they aren't quoting me on my address. Does Clements also have some address/post code basis on which it provides a quote? I have tried a family member's address nearby and that seems to work. It's only my post code and similar post codes that aren't being accepted. Any idea?

    Thanks,
    MG
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  • Hello MG and Nabeel,

    Thanks for posting.

    If you contact Clements directly by calling 02073 974 960 or by emailing info@clements.com they will be able to let you know why they are no longer able to quote for your postcode.

    I do hope this helps.
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  • Hi
    Hope everyone is fine, I am in UK. I have apply for quotation but they refused(unable to quote) me. I don't know why. Somebody know how can i apply. please guide me as soon as possible.
    Thanks
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  • Hi

    I have been covered with clements uk but their customer service number you provided never really works. Each time I tried calling them, went on voicemail and never replied back. Can you kindly provide us all with some working number where we can actually speak to the company. In case of any claims or any other queries i feel very frustrated when I cant reach them.

    It says on your website that clements have 24 hour claim number which doesnt work either

    thanks in advance
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  • I'm alsko looking for any number I can reach Clements. I know they are using AIG for insuraning but who I'm suppose to call in case of breakdown in the middle of UK? That's my only concern about this company. If your car breaks in the middle of nowhere who you are suppose to call if their number is dead all the time?
    • view 1 more comment
    • and to be honest they are more than good so far with me, I bought initially on monthly payments (which was 150-160£ higher if I pay all in full), then changed my mind next month, and they adjusted the policy without any fuss (and still using original quote - as I had not made the second payment until then). Good company so far. God forbid that I require any claims, but will never know how good they are in terms of claims processing until you experience once.
    • Thanks Jawwad for that, I'll check my documents tonight.
      To be honest I've studied those before and I couldn't find any numbers.

      I've been insured with Clements for a year now and my insurance ends in 3 days, but now they said for a renewal I need to pay whole year upfront and if I want to pay monthly like for previous year I need to cancel my policy and get a new quote via Confused. Makes no sense but whatever ;)

      Maybe it make more sense to buy breakdown cover via RAC.co.uk to be 100% sure that you will get help when needed?

      Probably I'll buy insurance from Clements anyway because chepeast insurance is from Admiral and they want £1300 upfront or £180 monthly which is ridiculous as I'm 27yr and had EU licence for 5 years...
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  • Hi I want to go with Clement...
    Is this Legal firm and how long it will take to get insure my car, means when I can drive car after making payment?
    Also does this company give NCB document after completing a year with them???
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  • Hello Mansoor,

    Thanks for posting.

    If you set up your insurance to start the same day, the cover should be in place as soon as your payment is taken.

    If you are worried about this you can contact Clements by filling in the online form here or you can call them on 020 7397 4960. You can then also ask them about the No Claims Bonus.

    I hope this helps.
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  • Clements have terrible customer service, took nearly a month to get proof of my no claims bonus when I left them! Then when Clements issued, they had claimed I had only 1 years and that is what they will base their renewal policies on not your full period, almost resulted in my current insurance being cancelled because of the length of time they took to correct their mistakes.
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  • Cillian, how did you manage to get the proof from them? Did you contact them in person or on phone? I have been chasing them for last 4 months and I havent heard a word. I am thinking of initiating action against them.
    • view 3 more comments
    • Cillian! Thanks a lot, your help is much appreciated.
    • Hi Amogh

      most probably i think in your case the third party has claimed; i think thats the reason why they are not giving you the certificate;i know it's unfortunate that people claim for nothing; if they called you and informed you that the third party is claiming, it should be true i guess;

      but u don't have to worry since you have enough evidence (photographs); unfortunately people try to exploit situations like these to get a huge sum of money -by way of claiming against somebody's insurance- just because they made a very very small mistake; my friend's friend got a claim of 5000£ for bumping somebody's car in the rear resulting in nothing but a scratch; since he had photographs he could get that down to 250£

      i think what you should do is that you should call the insurance claim adjusting department of clements; and ask whats the status of the claim if at all there is one and give your proofs to them again in case they missed it somewhere; you should tell them theres no claim in the first place since there was no damage to third party or even inconvenience

      the thing here is clements and any other insurance company is very very slow in processing claims and it can take months to process claims; and its not right on clements part in not letting you know whats happening and why they are not giving you the ncb certfifcate

      i have a policy with clements; iam facing the same situation as you; i had a minor incident and the third party is claiming after 4 months; and clements say this 2 weeks before i renew the policy;

      i would like to talk to you over phone/privately just to get your advise ; becuase i am facing the same situation as you; my email is coolkitten3@gmail.com; if u can pls send an email i would respond; kindly help me please
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  • Hi,
    I'm a year with Clements. My policy will expiry next month. I've sent an email to Clements but I haven't received any response yet. I decided to call them and I asked about price of renewing policy. They told me that they can't give me the price 20 days before expiry date. It's strange for me. How can I decide to renew my policy if I don't know the price. Do you know the terms of canceling the policy? If I decide not to renwe my policy, what do I need to do? How many days before expiry date have I inform Clements about my decision?
    Thanks
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  • Hi

    I'm planning to take insurance from Clements. Just want to know I'm from Northern Ireland. do you they cover Northern Ireland and ireland?

    I been here for 3 yrs and have UK licenese for 2 yrs. Hope I'm eligible for this insurance company.
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  • Hi Ashok,

    Usually they do send an e-mail 20 days before the policy expiry. Wait for that and then respond. As long as you live in part of UK it should be fine. Northern Ireland is in UK and Ireland is not. And yes you should be eligible for the insurance.

    Regards
    Amogh
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  • Hello Kareem,

    Thanks for posting.

    We are only able to offer quotations for UK residents.

    I'm sorry we could not be of further help on this occasion.
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  • Hello
    Sometime it happens, but i think now you got your policy number Right ???
    I was also hardly going throug it. One more thing once I met with an accident and then I called for an Insurance, they told me to go to your car recovery london service from where i repaired my car for some clearance work, so that after 6 or 7 month I got my money................!!!!!!!!!!!

    Thanks
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  • My experience with Clements -
    I took the policy last year for my first car in UK - 2006 skoda octavia 1.9L Diesel. Insurance + legal assistance + breakdown coverage was about £720. The cheapest one without breakdown coverage was £1200+ on confused.com. After about 10months I asked them to add my wife as well into the policy. This was done without any additional charge. And now I have completed 6 years in UK so I'm no longer eligible for renewal. So I asked for the No Claim Bonus and got it within a week. I haven't made any claims so can't give any feedback on it.

    The customer care picks the phone every time you call and they were quite helpful in answering my questions. There is a delay (usually 2-3 days) in getting reply on your emails. Looks like their staff is kind of maxed out. But overall I was quite happy.
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  • I’m confident
    I've been with this company from 2009 before they open the office in UK. FYI you HAVE to be an expat as there insurance is designed for expat who used to drive abroad and just came to UK.. which makes it very difficult for them to get insurance. I had a BMW 530 GT 09 insured with them and I have to be honest there insurance premium was really good. and I actually did a claim aswell and the service was outstanding. Just one advice, when you claim, do not contact clements. Just contact AIG or Chartis as clements have corporate agreement with theme where chartis manage all the insurance as if you are a business customer. You will find the contact number on the AIG or Chartis policy documents that you receive.
    I vouch for them as an expact as I couldn't insure my BMW in UK using normal insurance company since there insurance premium was over 10K!! But clements where reasonable like any other country and cared more about the car value rather than your history in UK. as I recall my premium was 2K only..
    So bottom line, when you want to make a claim, contact the numbers on your policy which will be issued by chartis. And yes I agree with you that if you want to get intouch will clements they'll be slow.. but at the end of the day, they'll do what you need. Also a key advice to you if you are frustrated,,, if you really need to get intouch with them urgently and can't get a quick answer, contact the US office. They are way much faster and if you tell them you aren't getting response from the UK office, they'll help you.
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  • I’m confident
    For the irish lot, contact Clements website directly. Since you aren't in the UK, the US office will handle the insurance for you as they arrange for so many other countries. The difference in there recent change is now the UK requests are directed to the UK office. The only downside that i remember arranging for a claim from the US office as i recall is that I had to pay in full and they didn't have monthly payment options. Also not sure if this option is still there on there site, if they ask you and you choose fully comprehensive, they used to have a check box under it to include third party liability or something like that(can't remember exactly). You had to choose that option for the insurance to be valid in EU.
    Hope that helps.
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  • I have Clements insurance with the breakdown recovery. They sent me all the information of the breakdown recovery with AXA, but no number of it, only the policy number of the main insurance. I had a problem a couple of weeks ago and when I rang to the emergency line they said I don ́t have breakdown recovery. I explained that I am with clements and I am actually paying for the breakdown recovery, but the truth is I don ́t have any proof!! They finally came, but I am afraid that this happen again as I don ́t have any proof that I am paying the breakdown, the insurance certificate doesn ́t say anything about it. How can I know that I really have the breakdown recovery?
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  • Hi Jessica

    Thank you for posting.

    If you would like to check you have Breakdown Cover and obtain evidence of it, please contact Clements directly to enquire about this. The telephone number for them is 0207 397 4960.

    I hope this information helps!
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