Your clone is a warm, soft safety net in a harsh world where death lurks not just down dark alleyways but can come from high in a glittering skyscraper just as easily.
If your character has a clone, when they die they will "wake up" in their clone provider's virtuality as soon as the clone provider is notified of death. The virtuality will have a terminal, with which you will be able to change your clone details, buy a different body, or start the decanting process.
Without a clone, if your character dies they're gone, permanently dead.
Thankfully there are many clone providers scattered around the city. Myotech are perhaps the most well known provider through their Clone Arrangers outlet, though others -- such as Parallel Resurrection are available at higher premiums.