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EXPATRIATE AUTOMOBILE INSURANCE

The AutoElite® Program

The AutoElite® policy can provide coverage for Comprehensive, Collision and Theft, Primary Auto Liability (Third Party) and Excess Liability coverage conveniently packaged in one program.


Comprehensive & Collision Coverage

Cover you vehicle Worldwide with Comprehensive, Theft, and Collision coverage. AutoElite® also provides Automobile Rental Reimbursement, Disablement Towing Coverage and optional coverage for Duty Expenses.

  1. A deductible applies.
  2. Automobile Liability Coverage is excluded.
  3. A standard war exclusion applies.
  4. Coverage is excluded while the automobile is within the United States, Canada or the named insured's home country.
  5. Transit insurance is excluded.


Primary Liability Coverage

Our policy can provide the locally required third party automobile liability coverage while your automobile is being operated. Licensed drivers are covered for the sums they are legally obligated to pay as damages because of bodily injury and/or property damage to others.

In many countries, we provide the locally required Primary Auto Liability Insurance (Third Party) coverage in conjunction with your AutoElite policy. Primary Liability policies are issued through a legally accepted insurance company in the country in which you reside and comply with the local operational laws and registration requirements.


Excess Liability Coverage

Under our AutoElite® Plus program, we offer Automobile Excess Liability Insurance coverage. When it is required for you to purchase your primary liability coverage locally, our excess liability insurance will extend this often inadequate coverage.

  1. A standard war exclusion applies.
  2. Coverage is excluded while the automobile is within the United States, Canada or the named insured's home country.


AutoElite® Premier

AutoElite® Premier offers members extended coverage benefits including increased liability limits, guaranteed value coverage of the automobile, and additional Reimbursement of Automobile Rental Insurance Expenses. Please contact us to learn more about this extended offer.


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INFORMATION ABOUT NON-U.S. BASED COVERAGE. Policies written or risks located outside the U.S. will be insured with companies licensed to do business in the United States. In some instances where local laws require a local policy be issued to cover the exposure, the proper local coverage will be obtained by the UNFCU or its affiliates. In other cases it is the insured’s responsibility to secure the local coverage. Check with your UNFCU Insurance Advisor for which option is required in your country of residence. The local coverage will be supplemented by coverage from the U.S. to the extent allowed by law.