Diamond Car Insurance Review: Expert Opinion and Customer Ratings

Diamond Car Insurance Review: Expert Opinion and Customer Ratings

Good set of features for the price with specialist features for women such as handbag cover.

Good for

  • 5 star defaqto rating
  • Good customer reviews

Bad for

  • No accommodation or onward travel in case your car is not driveable after an accident
  • Higher cancellation fees

Editor's Rating

3.5/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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Wondering if Diamond car insurance is any good? Read our review to find out if Diamond is missing any critical features and learn how existing policyholders rate their customer service.

If you're ready to compare a Diamond car insurance quote against the market, get quotes from over 100 brands including RAC, Admiral, Tesco and Hastings in under 2 minutes, click the blue "Get Quotes" button below.

In This Review

Diamond Car Insurance Overall Review

Diamond car insurance offers a solid set of features and a 5-star defaqto rating; the customer ratings are somewhat average so you should check to see what customers have to say before signing up, whether through a comparison search engine or www.diamond.co.uk.

Diamond, a brand of the Admiral Group (one of the largest UK car insurance companies) is aimed at women and safe drivers. In addition to car insurance, Diamond also offers travel insurance, van insurance, home insurance, scooter insurance and car warranty.

Features

Overall, we found Diamond comprehensive policies include most of the "must have" car insurance features as standard or are available as an add on.

Comprehensive policies bought direct from Diamond are loaded with some great features, including a courtesy car (in the event your car is in for repairs after being damaged in an injured incident), windscreen repair, stereo cover, rescue from an accident when your car can't be driven, cover in Europe, etc. Those looking for features such as motor legal protection, breakdown or premium hire car cover (a courtesy car if yours is stolen or written off after an incident) can add these features for an additional premium.

How Good is Diamond Car Insurance?A Good Policy IncludesDoes Diamond Deliver?Diamond Comprehensive Coverage
"Must Have" Features
WindscreenFull repair or replacement
thumbs up
Included
Belongings£200+
thumbs up
Up to £150 for personal belongings; up to £300 for a handbag and contents
Keys£300+
thumbs up
Up to £300 for loss or theft
Protected NCD2 times in 3 years (standard or optional extra)
thumbs up add on
If you buy the add on and have at least 4 years built up
Car recovery after accidentIncluded
thumbs up
Included
Courtesy car (repairs)Minimum 14 days
thumbs up
Included
Repairs guaranteed12-month guarantee
thumbs up
Repairs guaranteed while you own the vehicle; parts covered under the manufacturer's guarantee
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old
thumbs up
If damage is more than 59% of current list price
Stereo and satellite navMarket value for manufactur fitted
thumbs up
Unlimited for manufacturer fitted; up to 15% of value of car (max £1,250) for other permanently fitted equipment
Alternative transport & Hotel after accident£250+
red x
No accommodation or onward travel, but they will move you and your passengers away from the accident site if it’s not safe to the nearest point of local amenity
24-hour emergency helplineStandard
thumbs up
Included
Courtesy car (total loss or theft)Standard or add-on extra
thumbs up add on
If you buy the add on
Motor legal expensesStandard or add-on extra
thumbs up add on
If you buy the add on
Breakdown coverStandard or add-on extra
thumbs up add on
If you buy the add on
"Could Have" Features
Same cover in EUStandard or add-on extra
thumbs up
Up to 90 days (longer subject to approval and additional premium)
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
thumbs up
Up to replacement cost
Larger/premium courtesy carStandard or add-on extra
red x
Not available
No fault NCD protectionStandard
red x
Not available
Uninsured driver NCD protectionStandard
thumbs up
Included
Cancellation feeNo more than £50
red x
During cooling-off period £25 to £125 (Littlebox/Safe driver); after cooling-off period £49.50 to £149.50

Wondering what discount you'll get if you have a no claims bonus? We couldn't find data specific to Diamond, but customers of EUI brands Admiral, Bell, Diamond and Elephant received the following average NCB discount in 2018:

Number of yearsNo Claims
Bonus at this renewalAverage NCB Discount
One year NCB2%
Two years NCB14%
Three years NCB16%
Four years NCB26%
Five years NCB27%
Six years NCB27%
Seven years NCB30%
Eight years NCB33%
Nine years or more NCB37%

Diamond Car Insurance Customer Reviews

Diamond Ratings & Customer Reviews
Trustpilot customer service rating3.4 out of 5
Reviews.co.uk3.6
Defaqto5 stars

Is Diamond car insurance good? Diamond car insurance gets 5 out of 5 stars from Defaqto, which is an indication of the solid features provided by Diamond car insurance. While we agree that Diamond car insurance rates well for features, their customer reviews are just slightly above average with a 3.4 out of 5 star average at Trustpilot. We've read through hundreds of customer reviews to see what real customers say about their experience with Diamond, looking for any issues that would indicate problems across the board. Here's what we found:

Diamond Trustpilot

Diamond has earned 3.2 stars out of 5 stars on Trustpilot, with more than 4 out of 10 customers giving Diamond just 1 star indicating a "Bad" experience. Here is a sample of the negative reviews, so you can see for yourself some issues that have been reported:

"... Despite asking for a courtesy car (and it being on my policy) I was denied this until the appointed repairer had viewed, estimated and diamond had approved the work that needed to be done..."

"I was required to change my policy from student to nurse following the completion of my degree. When doing this my monthly payments shot up from around £80 per month to around £270 per month... I don't even drive my car to work..."

"Had my policy cancelled through fault of data validations team, was informed by letter meaning by the time it was delivered I had been driving for 4 days with no insurance."

Diamond Reviews.co.uk

Customers rate Diamond with 3.6 stars on Reviews.co.uk. Reading the reviews, we noticed complaints about the time delays in getting a courtesy car—it can take days to have their appointed repairer view and estimate work, and for Diamond to approve the work, at which point a courtesy car is available.

Defaqto has awarded Diamond with 5 out of 5 stars.

Diamond Car Insurance Quote Comparison

As a telematics brand, Diamond car insurance is designed to offer lower prices for safe driving. From our analysis it does seem that their prices are amongst the most competitive in the market. Our recent check for a sample 30-year-old driver of a 2017 Ford Fiesta showed Diamond prices were in line with Admiral and Elephant, which is not a surprise as they are all Admiral Group brands.

Average premium over 50 sample post codes for a 30-year-old driver of a Ford Fiesta
Churchill£427
Quotemehappy.com£600
Admiral£670
Elephant£677
Diamond£682
Hastings (Essential)£685
People's Choice£735
Bell£749
Sheila's Wheels£776
esure£780
More Than£781
LV=£988
RAC£1,124
One Call£1,177
Sainsbury's£1,194
Tesco£1,584
Ageas£2,805

Quotes will vary drastically for different profiles, so you may need to pay more or less than these rates, but this information can give an idea of how an insurance provider tends to compare in terms of price.

chart showing a cost comparison of Diamond car insurance to Bell, Hastings, Quotemehappy, Hastings Smart Miles, Admiral Little Box, Churchill, LV= and others

Fees to Cancel Diamond Car Insurance

Diamond cancellation fees are a bit on the high side—you'll be charged a fee even if you cancel during the 14-day cooling-off period, and those with a telematics plan pay even more to cancel.

Diamond Cancellation FeesWithin 14 daysAfter 14 days
Vehicle£25£49.50
Vehicle (LittleBox/Safe Driver) - if the unit has been installed£125£149.50
Vehicle (Plug & Drive)- £50 will be refunded if unit is returned within 30 days of cancellation£75.00£99.50
Home£25£39.50
Change to policy details£19.50£19.50

Important Diamond Car Insurance Phone Numbers

Customers can reach Diamond customer service 7 days a week, plus there's online chat Messenger feature. Customer service lines are open Monday to Friday from 8am to 8pm, Saturdays from 9am to 5pm and Sunday from 9.30am to 4pm.

Diamond Car Insurance Contact Numbers
Customer Services0333 220 2004
Claims (open Mon - Fri 8am - 9pm, Sat 9am - 5pm and Sun 10am - 4pm)0333 220 2037
Renewals (open Mon - Fri 8am - 8pm, Sat 9am - 5pm and Sun 10am - 4pm)0333 222 6718
24 Hour Helplines
Roadside emergency (following an Insured Incident)0800 600 840
Glass Repair Helpline0333 220 2026
Breakdown service (UK)0330 102 0806
Breakdown service (Europe)0044 (0)2920 943 113

FAQs

Diamond has decent customer reviews and a solid set of features. Read our review to decide if Diamond car insurance is good for you.
Yes, Diamond is a brand of the Admiral Group (one of the largest UK car insurance companies), which is aimed at women and tracks safe driving via telematics.
Yes, men can get Diamond car insurance (however, they may not benefit from Diamond's handbag cover!).
Yes, Diamond offers multi-car insurance for 2 or more cars belonging to immediate family members. With Diamond, each car joins the MultiCar policy at its existing renewal date, then at the end of the Diamond policy term you get one renewal date for all the cars.
Policyholders pay a cancellation fee between £25 and £125 if they cancel in the 14-day cooling off window. After the cooling off period, cancellation fees range from £49.50 to £149.50. For more information see Diamond cancellation fees.
Yes, Diamond car insurance does have a live chat feature. Learn more about customer service hours and ways to contact.

Policy Documents

To read about the real ins and out of a Diamond policy such as the exclusions and details about what's covered, read through the policy documents here.

Other Telematics Car Insurance Reviews

If you'd like to compare Diamond to other car insurance companies with black box telematics policies, see some of our other black box car insurance reviews below:

Erin Yurday

Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.

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