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Quickly compare over 100 UK insurance providers, including Diamond.
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.
In This Review
- Diamond Car Insurance: Overall Review
- Customer Reviews and Ratings
- Cost Comparison
- Cancellation fees, phone numbers and policy documents
Diamond Car Insurance Overall Review
Diamond, a brand of the Admiral Group (one of the largest UK car insurance companies) is aimed at women and tracks safe driving via telematics. Overall, we found their comprehensive policies include most of the "must have" car insurance features as standard or are available as an add on. Not all telematics plans offer such robust cover.
In addition to car insurance, Diamond also offers travel insurance, van insurance, home insurance, scooter insurance and car warranty.
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 £150 for personal belongings; up to £300 for a handbag and contents|
|Keys||£300+||Up to £300 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 manufactur fitted||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+||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|
|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|
|No fault NCD protection||Standard||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 £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 years||No Claims|
|Bonus at this renewalAverage NCB Discount|
|One year NCB||2%|
|Two years NCB||14%|
|Three years NCB||16%|
|Four years NCB||26%|
|Five years NCB||27%|
|Six years NCB||27%|
|Seven years NCB||30%|
|Eight years NCB||33%|
|Nine years or more NCB||37%|
Diamond Car Insurance Customer Service Reviews and Ratings
|Diamond Ratings & Customer Reviews|
|Trustpilot customer service rating||3.4 out of 5|
We read through the customer reviews left online for Diamond car insurance to see what real customers say about their experiences, looking for any issues that would indicate problems across the board. Here's what we found.
More than 300 customers have rated Diamond car insurance with an average of 3.4 out of 5 stars on Trustpilot.
Here is a sample of the negative reviews, so you can see some issues that arose:
"... 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."
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|
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.
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 Fees||Within 14 days||After 14 days|
|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|
|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 Services||0333 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 Helpline||0333 220 2026|
|Breakdown service (UK)||0330 102 0806|
|Breakdown service (Europe)||0044 (0)2920 943 113|
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: