Diamond Car Insurance Review
Who is Diamond Car Insurance?
Diamond Car Insurance is the female-focused arm of Admiral Car Insurance. Based in Cardiff, Diamond woo female drivers with flattery – praising their safe driving and, in some cases, offering very purse-friendly and very competitive prices. Launched in June 1997, the brand has been offering quotes online since 2000. And while the clever marketing might tempt women to their door, there’s the small matter that the European Court of Justice banned insurance companies from calculating insurance premiums based on gender in 2012. So, in principle, Diamond should be no cheaper for you than your partner, husband or brother. Providing your other details are similar.
Diamond once earned the dubious honour of being named the worst insurance company, in a 2013 survey conducted by Auto Express. The brand came 40th (out of 40) in the survey, with complaints including errors appearing on policies and a driver having to wait two years for their claim to be resolved. Things may not have improved, as the recent Which? survey (July 2017) placed the brand 30 out of 31 insurers.
What does Diamond Car Insurance charge?
Diamond Car Insurance features among the many insurers on price comparison sites – though they target female drivers, there’s not a blanket ban on male drivers. When we compared prices, using an average UK car profile (a 5-door Ford Fiesta), Diamond came in at 15th out of around 75 insurers – though the premium was over £50 more expensive than the cheapest brand. As with all car insurance, individual prices will depend on your details and driving history, but Diamond may well be competitive. On its website, Diamond claims that 1 in 10 new customers between 1st Aug 2016 and 31st Jan 2017 who gave a best price alternative saved a whopping £311 with Diamond. With those sort of savings potentially available it could be worth giving them a call.
How is the Diamond customer service?
If we can believe the 75 reviews at Trustpilot, Diamond Car Insurance is more than a little lacking when it comes to customer service. Apply a pinch of salt and a beady eye, though, and you’ll spot that none of the reviews are from verified Diamond purchases. Which doesn’t mean to say these aren’t angry Diamond customers, just that – for whatever reason, Trustpilot can’t verify them. Elsewhere, Diamond fares slightly better, with 119 reviews grading them 3.81 out of 5 on reviews.co.uk. Alarm bells rang for us when we spotted most of the customer complaints were regarding either hugely inflated renewal prices or letters from Diamond requesting more money and charging large admin and clerical fees.
On TrustPilot, the brand has an average score of 1/5, with customer quotes including:
‘The staff at Diamond have been excellent but the company has been let down terribly by their use of Enterprise and Proximo as suppliers of the replacement cars.’
‘Renewed me automatically, making me overdrawn by £500, then took 6 days to deal with it meanwhile my bank charged me £40 for overdrawn fees. They were useless.’
‘When coming to cancel my account I was informed that there was a charge and extra cost for things I didn’t know where even on my account. Misleading service, would never use or recommend this company.’
What policies does Diamond offer?
Diamond Car Insurance lines up alongside the main brands and offers the staple policies you’d expect: Third party, third party fire and theft, and comprehensive. Some great policy features are included as standard, such as child car seat cover and a courtesy car. And, depending on your sensitivity to stereotypes, you may be keen to sign up for the handbag cover. If your handbag is stolen, you could receive up to £300. Add in Diamond’s named driver no claims bonus (only for use with Diamond policies) and the policy stacks up to be quite robust – if you’re looking for these specific extras.
Diamond Car Insurance in summary?
Diamond makes a big deal of preferring to insure women as they are safer drivers. There’s even a picture of a woman in lab coat to authenticate the factual research on the subject. But online reviews suggest that while you might be careful on the roads, Diamond isn’t so careful with your cash. Sneaky fees, unexpected renewal hikes and poor claims handling all feature, and they set the Quote Goat alarm bells ringing. That said, Diamond’s bold claim that customers could save as much as £311, by quoting best prices from other brands, could mean that this Diamond is a girl’s best friend after all.