Diamond offers car insurance cover from third party to comprehensive, with some extra benefits for women, like handbag cover (though men are welcome too).
Diamond provides a reasonable car insurance option. While anyone can take out a Diamond policy, its main target market is women. Since laws prohibiting gender-based pricing in insurance were introduced it can't charge women less than men in the same circumstance. So instead it focuses on perks that women in particular might appreciate, such as handbag cover and child seat cover.
It offers the 3 usual levels of cover: comprehensive, third-party, fire and theft, and third party. There’s also an option for multi-car insurance, which can get you a discount if more than one driver in a household insures under the same policy. Optional extras available with all levels of cover include breakdown cover, personal injury cover, hire car cover, and motor legal protection.
If you decide that Diamond isn't right for you – or even if it's still in the running – don't forget to compare quotes from other providers to get the right deal for you.
Pros
Handbag and child seat cover included as standard with a comprehensive policy
24hr roadside recovery helpline with a comprehensive policy
Courtesy car included as standard with a comprehensive policy
Cons
No 24-hour claim line
Not among the top providers for customer service
★★★★★
Finder score
Car insurance from Diamond is targeted at women (though men can apply too), with handbag and child seat cover included as standard with its comprehensive policy. We’ve reviewed what else is covered, how easy it is to claim and what other customers think of the service. It’s part of the Admiral Group.
Diamond launched as an offshoot of Admiral in 1997, and has always specialised in creating insurance products tailored to women. While the law dictates that premiums can’t be calculated by gender, Diamond continues to market heavily to women.
Who underwrites Diamond car insurance?
Diamond’s car insurance is underwritten by Admiral.
Third party. This is the legal minimum for all road users in the UK. It only covers you for damage done to others’ cars if an accident is your fault.
Third party, fire and theft (TPFT). This covers others’ cars, as well as protecting your car in the event it gets stolen or damaged by fire.
Comprehensive. The highest level of insurance Diamond offers, it includes a lot more than the cover in TPFT, including personal injury, handbag cover and child seat cover.
Optional extras
You can get added extras on any level of cover, including:
Breakdown cover
Extra personal injury cover
Hire car cover
Motor legal protection.
What types of car insurance are available?
Diamond offers multi car in addition to single car insurance.
What’s covered under my policy?
Product Name
Diamond Third party, fire and theft
Diamond Comprehensive
Damage to your car
✓
Fire and theft
✓
✓
Personal accident cover
✓
Liabilities to third parties
✓
✓
Using the car abroad
✓
✓
Permanently fitted audio equipment
✓
What is my excess?
An excess is your contribution towards the cost of the claim. This amount will vary depending on the type of claim you are making, so check your policy for details before making a claim.
What is the claims process for Diamond?
You can call Diamond to make a claim on 0333 220 2037. Diamond’s claims hotline is open Monday – Friday, 8am – 6pm, Saturday 9am – 5pm and Sunday 10am – 4pm.
You can also claim online using an online claims form available on the Diamond website.
One customer said: “Very helpful when I was involved in an accident.”
On the reviews platform Trustpilot, Diamond gets just 1.8 out of 5, based on around 500 reviews, with several customers citing high renewal quotes (last updated: February 2024).
Get started by visiting Diamond’s website and sign up for a policy. If you have read this review and decided that Diamond car insurance is not for you, you can also compare other car insurance policies on the market.
Frequently asked questions
Yes, Diamond car insurance can start when you need it to.
You can pay in a lump sum using Visa, American Express, Maestro or Visa Debit/Delta. Alternatively, you can set up a direct debit and pay in monthly instalments.
It’s important that you tell your insurer about any relevant changes that occur during your policy. If in doubt, you can call Diamond’s Customer Care Team on 0333 220 2004.
An excess is the amount that you are liable to pay of the total sum of the cost of a claim. Your policy will state how much of a claim you will have to pay and how much your insurer has to pay.
A no-claims bonus is the discount you get when you have a track record of not making any claims for a period of a year or more. A long history of not making any claims can greatly reduce the cost of your car insurance.
Car insurance scores
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*10% of customers who provided a best alternative price saved 39% between January and June 2021. (Based on 592 Diamond customers).
Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns.
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