Diamond Car Insurance Reviews: What You Need to Know Before Buying

Diamond Auto Insurance Reviews
Diamond Car Insurance Reviews | Photo courtesy | Insurance Guide

 

If you’re a woman seeking car insurance, you may know about Diamond, a UK company specializing in coverage for female drivers.

Is it worthwhile? How does it stack up in terms of price, service, and features compared to other providers?

This article offers an honest review of Diamond car insurance, drawing on research and customer feedback.

We’ll address common questions such as benefits, drawbacks, costs, obtaining a quote, making a claim, and reaching customer service.

After reading, you’ll decide if Diamond car insurance suits your needs.

What advantages does Diamond car insurance offer for women?

Diamond Auto Insurance distinguishes itself by customizing its offerings to the unique requirements of female drivers.

Diamond believes in recognizing the safety record of women drivers by providing competitive rates and discounts.

Some of the benefits are:

  • Handbag cover: To replace or repair coverage for your stolen or damaged handbag and contents, up to £300.
  • Child seat cover: £300 coverage for replacing a child seat damaged in an accident, even if no visible damage is present.
  • Courtesy car: Diamond provides a courtesy car for up to 21 days during garage repairs or up to 14 days in case of theft or write-off.
  • European cover: Enjoy up to 90 days of coverage for driving in Europe at no extra cost.
  • Breakdown cover: Optional breakdown cover, in collaboration with Green Flag, is available for an additional fee. Choose from four cover levels, including roadside assistance and European recovery.

While these benefits make Diamond car insurance attractive for women, it’s essential to be aware of some drawbacks before making a policy purchase.

READ ALSO:

What are the drawbacks of Diamond car insurance for women?

pros and cons of Diamond Car insurance

Diamond car insurance comes with limitations and drawbacks that may not suit everyone.

Such as:

  • Gender Restriction: Exclusive to women, limiting options for couples or families looking to share a policy.
  • Customer Reviews: Mixed reviews, with a 2.0 out of 5 stars on Trustpilot. Complaints include poor customer service and high renewal prices, but some praise low costs and friendly staff.
  • Excess: high compulsory excess, potentially reaching £1,000, varying based on age, driving experience, and claim type. Adjusting the excess by paying a higher premium is an option but may not be beneficial for some.

Consider these drawbacks carefully, factoring in your circumstances and preferences.

Ensure an educated choice by comparing Diamond car insurance’s cost and coverage with offerings from alternative providers.

How much does diamond car insurance cost?

Diamond car insurance expenses are influenced by age, location, driving history, car model, mileage, and security features.

For comparison, we collected quotes for a 30-year-old female driver in London with a 2018 Ford Fiesta (1.0L, petrol, manual, 5 doors, £10,000 value), driving 10,000 miles annually.

No claims or convictions in the last 5 years, parked on the street overnight.

Comprehensive cover with a £250 voluntary excess, legal cover, and windscreen cover. Similar details were used for quotes from Admiral, Direct Line, and Aviva.

We used the following details for our comparison:

  • A 30-year-old woman residing in London
  • Operates a 2018 Ford Fiesta, 1.0L, petrol, manual, 5 doors, valued at £10,000
  • Drives 10,000 miles annually for social and commuting purposes
  • No claims or convictions in the past 5 years
  • I parked on the street overnight
  • Comprehensive coverage, including a £250 voluntary excess, along with legal and windscreen cover

Here are the annual premium quotes we obtained from major UK auto insurance providers:

Insurance Provider Annual Premium Quote
Diamond £392.76
Admiral £397.76
Direct Line £415.00
Aviva £427.00

 

The most affordable option is Diamond, coming in at £392.76 for comprehensive cover for our sample driver and vehicle profiles.

Admiral is a close second at £397.76 per year. Direct Line and Aviva are the most expensive options we found, quoting over £400 annually.

When choosing car insurance, consider both price and coverage. Diamond Insurance appears competitively priced, offering the best value among the four compared insurers.

Admiral, owned by the same parent company, follows as the second cheapest.

While Direct Line and Aviva are pricier, they may provide additional benefits or superior service. Decision-making should balance price, coverage quality, and suitability.

How do I get a quote from Diamond Car Insurance?

Getting a quote from Diamond Car Insurance is quick and simple. Visit their website or call 0333 220 2004 to provide personal and car details.

Adjust the quote to fit your needs by modifying coverage, excess, optional extras, and payment methods.

Compare with other providers and save your quote for 30 days.

How do I claim with Diamond car insurance?

To file a claim with Diamond Car Insurance, call 0333 220 2037 promptly.

The 24/7 claims team will assist and gather the necessary details.

You will need to provide the following information when making a claim:

  • Your policy number and personal details
  • The details of the incident, such as the date, time, location, and cause
  • The details of the other party involved, such as their name, address, phone number, and insurance details
  • The details of any witnesses, such as their name, address, and phone number
  • The details of any injuries or damage, such as the extent and cost of the repairs
  • The details of any police involvement, such as the incident number and the officer’s name,

How do I contact Diamond Car Insurance customer service?

For inquiries or complaints regarding Diamond car insurance, reach out to their customer service through these options:

  • Phone: Call 0333 220 2004 (Mon-Fri: 8 am to 8pm, Sat: 9 am to 5pm Sun: 10 am to 4 pm)
  • Email: Send an email to customer.services@diamond.co.uk (Response within 24 hours)
  • Live chat: Utilize the live chat on the Diamond website (Mon-Fri: 8am to 8 pm, Sat: 9 am to 5 pm, Sun: 10am to 4pm)
  • Post: Write to Diamond at Ty Admiral, David Street, Cardiff, CF10 2EH.

You can also use the Diamond website or app to manage your policy online, such as making changes, renewing, or canceling your policy. You can also access your policy documents, make payments, and view your claims history.

Conclusion

Diamond car insurance presents an attractive choice for women seeking cost-effective coverage with tailored features.

It provides competitive rates, discounts, and unique offerings like handbag and child seat covers, courtesy car provisions, European coverage, and optional breakdown assistance.

Nevertheless, limitations include exclusivity to women, mixed customer reviews, and a higher compulsory excess.

Spread the love

Leave a Comment