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Diamond car insurance

Diamond’s car insurance is targeted at women, but the benefits on offer will appeal to drivers regardless of gender

How good is Diamond car insurance?

Defaqto: 5/5 stars

Defaqto awarded Diamond a five-star rating for its car insurance policy.

Note: Not all Defaqto products with the same star ratings have the same covers and terms.

Feefo rating: 4.7/5 stars

Feefo generates a ranking out of five for customer experience, which in Diamond Car Insurance’s case resulted in a total of 4.7 out of five, based on 689 reviews collated over the last year.

About Diamond insurance

Diamonds are a girl’s best friend, apparently, and Diamond Car Insurance’s target customer base is female. The company was formed in 1997 to provide cheaper policies for women because “they are better drivers”.

How European law changed how Diamond sells insurance

Diamond’s commitment to give women cheaper quotes was scuppered when the European Court of Justice banned gender-based insurance calculations in 2012. This made it illegal to offer cheaper premiums to either men or women because that would be discriminatory.

What it didn’t prevent was insurers from introducing policy features that appeal to one gender over the other. For example, Diamond is perfectly within its rights to offer handbag cover as standard with its comprehensive car insurance. After all, some men like handbags. 

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Diamond is an Admiral brand

Diamond Car Insurance is part of the Admiral Group, which also includes Admiral, elephant.com, Gladiator and Bell Insurance. Aside from other car, travel and home insurance policies, the company also sells breakdown cover and car warranties.

Diamond car insurance policies

Diamond third party car insurance cover

Diamond fully comprehensive car insurance cover

What is Diamond car insurance best for?

Diamond car insurance is aimed at female drivers, as the insurer told uSwitch: “Data shows that female drivers aged between 17 and 24 make 14% less claims compared to males of the same age.”

While Diamond’s policy is targeted at women, the benefits on offer will appeal to drivers regardless of gender, but particularly:

  • if you appreciate the benefit of a courtesy car while your car is being fixed

  • if you recognise the value of having personal injury protection to cover serious or fatal injury

  • if you have young children and know the hefty cost of replacement child car seats, pushchairs and children’s accessories

  • if you are insuring a new car, which would be replaced following theft or serious damage 

  • if you would welcome handbag and handbag contents cover

Diamond car insurance in the news

As part of the Admiral Group of insurers, Diamond customers were among those who received an automatic £25 refund due to the effect coronavirus has had on driving habits, specifically, restricting driving particularly in the first months of the pandemic.

In total, Admiral Group, including Diamond and its sister brands, has 4.4 million motor insurance customers, meaning a refund of £110m to policyholders.

Refunds aside, the insurer has pledged £80m to reducing the cost of insurance and supporting customers, NHS staff and the local community in south Wales. 

To see whether Diamond car insurance provides the best car insurance policy at the right price compare quotes.

Complaints data

The Financial Ombudsman Service received 496 car insurance complaints about Admiral, owner of the Diamond brand, in the first half of 2020, plus a further 97 for Admiral’s insurance company EUI making a total of 593. That gives Admiral just under 12% of all motor insurance complaints. But Admiral has 16% of market share so received a much smaller proportion of complaints than might be expected for its size. To put complaints in context, 67 firms had 10 or more complaints each and those totalled 4,550 complaints. Nearly 200 firms had fewer than 10 each, sharing just 479 complaints between them.

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