Our car insurance solutions

Coverage options vary by country, designed to meet local requirements

Driving overseas requires car insurance that meets local legal requirements while protecting your vehicle wherever life abroad takes you. Gallagher's international car insurance is designed for expats, diplomats, military and globally mobile professionals living outside of their home country.

We offer physical damage and theft coverage worldwide, with local third‑party liability (TPL) in select countries and optional excess liability for added protection. Military or diplomat discounts are available depending on location.

To avoid common coverage gaps abroad:

  • Start with local third‑party liability to meet legal requirements.
  • Enhance coverage with excess liability to increase protection beyond local limits.
  • Add worldwide physical damage to protect your own vehicle.

Local third-party liability coverage for select countries

Our local third‑party liability (TPL) insurance meets minimum mandatory legal requirements in each locale by covering damage or injury you may cause to others. This required coverage, however, doesn't protect your own vehicle against theft or damage.

For physical damage protection for your vehicle, combine the TPL with our Worldwide Physical Damage insurance. And to fully protect yourself, add Excess Liability coverage to fill any gaps.

We provide local TPL coverage in the countries listed below.

Enhance your local TPL policy with our Excess Liability Insurance

Avoid being underinsured and financially liable for accidents oversees with our excess liability protection. Excess liability coverage provides additional protection against costs arising from bodily injury and property damage to others.
To add Excess Liability coverage to your policy, simply choose the extension when requesting your TPL quote above.
Key benefits include:
  • Coverage protects from costs associated with bodily injury and property damage.
  • Drivers are shielded from financial liability with coverage limits up to US $1 million.
Coverage isn't available in the US, Canada, the driver's home country or sanctioned countries.

In our customer's own words

"My wife had a 'prang' here in Italy. Fortunately, no one was hurt, but my heart sank at the thought of trying to sort out the paperwork. I am delighted to report that Gallagher was super responsive, helpful and patient in sorting out the wreck and re-insuring the replacement car. A BIG shout out for the team who simply could not have handled the whole wretched affair better. I would not hesitate to place your insurance business with this company. "
Portrait african american woman driving car

Worldwide Physical Damage Insurance

For drivers living abroad, local car insurance often only meets minimum legal requirements and may not protect your own vehicle. Gallagher's worldwide physical damage coverage adds an extra layer of protection by insuring your vehicle against theft and damage across borders.

This coverage sits on top of local third‑party liability insurance and is designed to travel with you, providing consistent protection as you move between countries. Our team can help you determine whether worldwide physical damage coverage is right for your location and driving needs.

Coverage isn't available in the US, Canada and territories subject to international sanctions. Our policies are issued annually.

Key benefits include:

  • Physical damage and theft coverage worldwide, including high-risk locations
  • Designed to complement local third‑party liability insurance
  • Borderless coverage that moves with you between countries
  • Includes all-risk transit for government employees and contractors
  • Optional extensions: excess liability and political violence coverage

GET AN INSTANT QUOTE

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International personal coverage without borders

From your car to your computer, get personal insurance to protect your valuable belongings.

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Protect your bike worldwide with International Motorcycle Insurance

Our international motorcycle insurance provides the physical damage coverage you need to ride with confidence wherever your adventures take you.

  • Comprehensive theft, collision and damage coverage
  • Accessory coverage
  • Towing and labor reimbursement available
  • Coverage extension options including political violence and duty expenses
  • All-risk transit for government clients only

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Disclaimer

Clements Insurance Services Limited, trading as Gallagher, is registered in Ireland at 15 Parkgate Street, Dublin 8, D08 W866, Ireland under registration number 610994. Clements Insurance Services Limited is authorised and regulated by the Central Bank of Ireland under reference C463891. Legal: Ireland Terms of Business | Ireland Remuneration & Fees

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