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.

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In This Review

• Diamond Car Insurance: Overall Review
• Customer Reviews and Ratings
• Cost Comparison
• Cancellation fees, phone numbers and policy documents
• FAQs

Diamond Car Insurance Overall Review

Diamond car insurance offers a solid set of features but 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 Includes	Does Diamond Deliver?	Diamond Comprehensive Coverage
"Must Have" Features
Windscreen	Full repair or replacement		Included
Belongings	£200+		Up to £200 for personal belongings and £300 for handbags
Keys	£300+		Up to £500 for loss or theft
Protected NCD	2 times in 3 years (standard or optional extra)		If you buy the add on and have at least 4 years built up
Car recovery after accident	Included		Included
Courtesy car (repairs)	Minimum 14 days		Included
Repairs guaranteed	12-month guarantee		Repairs guaranteed while you own the vehicle; parts covered under the manufacturer's guarantee
"Should Have" Features
New car replacement	Theft or damage at least 60% of list price; cars up to 12 months old		If damage is more than 59% of current list price
Stereo and satellite nav	Market value for manufacturer fitted		Unlimited for manufacturer fitted; up to market value of car for other permanently fitted equipment (max £1,250)
Alternative transport & Hotel after accident	£250+		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 helpline	Standard		Included
Courtesy car (total loss or theft)	Standard or add-on extra		If you buy the add on (called 'Hire Vehicle' cover)
Motor legal expenses	Standard or add-on extra		If you buy the add on
Breakdown cover	Standard or add-on extra		If you buy the add on
"Could Have" Features
Same cover in EU	Standard or add-on extra		Up to 90 days (longer subject to approval and additional premium)
Child car seat replacement after accident, theft, fire	Ideally replaced even if no visible damage		Up to replacement cost
Larger/premium courtesy car	Standard or add-on extra		Not available
Uninsured driver NCD protection	Standard		Included
Cancellation fee	No more than £50		During cooling-off period £25 to £125 (Littlebox/Safe driver); after cooling-off period £55 to £155

Wondering what discount you'll get if you have a no claims bonus? Here are the average NCB discounts for EUI Limited brands Admiral, Ford Insure, Bell, Diamond and Elephant in 2022:

Diamond Car Insurance Customer Reviews

Is Diamond car insurance good? Diamond car insurance gets solid marks for the features on offer; their customer reviews are less impressive with just 2.0 out of 5 stars 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 just 1.8 stars out of 5 stars on Trustpilot, with more than 2 out of 5 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:

"Truly horrific customer service. Over several weeks I've tried to get information on my car claim and that of the person's car I damaged. Constantly passed around departments where they tell me they can't help me but will pass me on to someone who can who it turns out can't. Constantly trapped in a loop trying to find some information on how to get my car fixed."

"... 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."

But it's not all bad. Here's a taste of good customer experiences with Diamond:

"Have been insured with Diamond for 6 months. Had to cancel my policy due to selling the vehicle, but was then reinstated as I purchased a new one. Cancellation fee was refunded and the new policy was set lower than the previous, which I was surprised at as usually companies use this as an opportunity to skyrocket the price. All laid out in an e-mail and very straight forward."

"Have been a customer with them since 2018 and they’ve been amazing. When I needed to make changes to my policy the webchat was the easiest thing to use and got the problem sorted for me."

Diamond Reviews.co.uk

Customers rate Diamond with 3.5 stars on Reviews.co.uk, which is certainly a better outcome. But we still like to learn about customer complaints. 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, after which point a courtesy car is available.

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.

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.

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.

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.

FAQs

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: