Finance Choices
Diamond Car Insurance
About Diamond
Diamond was launched specifically for women order to provide them with cheaper car insurance for because, as everyone knows, women statistically have less serious accidents because they are safer drivers. As this insurance company is for women only it means they can provide cheaper car insurance without the heavier claims costs of male drivers. Diamond is a trading name of Admiral Insurance Services Limited.
Diamond are also a direct insurer which benefits their car insurance quotes for women drivers because they have no extra sales costs, they have cut out the middleman.
Diamond Car Insurance
Diamond insurance was created by women to provide cheaper car insurance for women drivers. Statistics show that women are safer drivers than men and have less serious accidents, which enables Diamond to provide substantial discounts to women drivers.
As well as being a direct supplier of competitive car insurance to save you even more money, Diamond car insurance has a great range of further benefits, such as a guaranteed replacement car (subject to conditions) and 24-hour accident and glass repair helplines.
Ok, so it seems that Diamond car insurance could be the right choice for you. But what exactly do their policies offer*? Of course you will benefit from the standard motor insurance policy features. You will also enjoy certain offering's specific to Diamond:
Classified as a direct insurer Diamond has removed a lot of the associated costs of providing a competitive quote by cutting out the middleman. You will be able to apply for a quotation across the three standard levels of UK motoring cover - Comprehensive Diamond car insurance, third party, fire and theft and third party only. Diamond car insurance quotations are particularly competitive for women in the following instances:
Diamond Car Insurance
Diamond was launched specifically for women order to provide them with cheaper car insurance for because, as everyone knows, women statistically have less serious accidents because they are safer drivers. As this insurance company is for women only it means they can provide cheaper car insurance without the heavier claims costs of male drivers. Diamond is a trading name of Admiral Insurance Services Limited.
Diamond are also a direct insurer which benefits their car insurance quotes for women drivers because they have no extra sales costs, they have cut out the middleman.
Diamond Car Insurance
Diamond insurance was created by women to provide cheaper car insurance for women drivers. Statistics show that women are safer drivers than men and have less serious accidents, which enables Diamond to provide substantial discounts to women drivers.
As well as being a direct supplier of competitive car insurance to save you even more money, Diamond car insurance has a great range of further benefits, such as a guaranteed replacement car (subject to conditions) and 24-hour accident and glass repair helplines.
Ok, so it seems that Diamond car insurance could be the right choice for you. But what exactly do their policies offer*? Of course you will benefit from the standard motor insurance policy features. You will also enjoy certain offering's specific to Diamond:
- 24 hour accident helpline for peace of mind if you have an incident late at night
- Monthly instalment option
- Guaranteed replacement car, following an accident
- Legal expenses cover up to £100,000
- 24 hour glass repair hotline.
- Low rates for women living in London, Scotland and the South East
- Diamond customer centre open seven days a week.
- Legal expenses cover - up to £100,000
- Instalment Protection Plan
- 24 - hour Roadside Emergency Helpline
- Your cover can start immediately.
- Diamond accept payment in full by Visa, Mastercard, American Express, Switch, Delta or Direct Debit.
- SSL 128 bit encryption to keep your personal information and credit/debit details as secure as possible
Classified as a direct insurer Diamond has removed a lot of the associated costs of providing a competitive quote by cutting out the middleman. You will be able to apply for a quotation across the three standard levels of UK motoring cover - Comprehensive Diamond car insurance, third party, fire and theft and third party only. Diamond car insurance quotations are particularly competitive for women in the following instances:
- First time lady drivers
- Have you recently lost your No Claims Bonus?
- Less than five-year's NCB? Women drivers that have not got maximum No Claims Bonus - can utilise the Diamond Bonus Accelerator policy
- Women motorists who drive a sports or performance car
- Lady drivers wishing to include men as named drivers on a Diamond policy
Diamond Car Insurance
posted by Barbara Gordon at 6:52 AM
Diamond Car Insurance
2 Comments:
Diamond have a excellent level of service nothing seems too much trouble for them. The renewals team offer good advice and even wish me all the best even if I do not renew with them.
Diamond are able to offer insurance quotes over the phone and also over the internet. In terms of the things they need to know to offer a quote it's pretty much the same as any insurance company, however one thing that came in particularly useful in my situation is that they only take consideration of claims and convictions that have happened in the last 3 years - many insurance companies want to know details of claims and convictions within the last 5 years, therefore if something has gone wrong in your past you have to suffer the consequences for 2 years longer than you do by getting a quote with Diamond!
To get a quote by phone they have a freephone number (0800 36 24 36) Monday to Friday 8am to 8pm and Saturday & Sunday 10am to 4pm, or to get a quote online you should visit www.diamond.co.uk where you can get a quote 24 hours a day. If you opt for the online option there will be instances where you may need to call them and you won't be able to get a quote online, however this is very rare and is normally only in circumstances such as an unusual car. When trying to get a car for a Subaru Impreza STI that had been imported from Japan but not yet registered in the UK I found I was unable to get a quote online, so had to make a call to their call centre...
One of my majoe gripes is companies that switch to call centres abroad during 'anti-social' hours... Diamond's call centre is open 8am - 8pm during the week, but I found that calling after 6.00 pm meant a call to a foreign call centre. The call centre seems to be based in India, and, whilst I'm sure these people try very hard (to read their scripts), if you've got anything more than a straight-forward question they will struggle. Also, no matter how good some people's grasp of the English language is, a foreign accent over the telephone is sometimes extremely difficult to understand. When trying to get a quote for the car that was a Japanese Import I had the "cutomer service" representative repeatedly telling me that there was no such car made in the year I was telling her that the car was made in. This was very frustrating! In particular as I knew I was right - I'd already seen the car! This lead to me having to wait and make additional calls during 'office hours'.
Types of Cover
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As you'd expect, Diamond offer both Comprehensive and Third Party, Fire and Theft types of insurance.
One advantage, in particular for younger or not so experienced drivers or those that have lost their no-claims-bonus is that Diamond offer a Bonus Accelerator Scheme. By taking insurance using the Bonus Accelerator Scheme you pay for 10 months insurance, and at the end of those 10 months Diamond give you 1 year's no claims bonus. This helps you to build up no claims bonuses much quicker. This is only offered to drivers with less than 5 years no claims bonus, and I can certainly say it has been of advantage to me. Taking this option costs no more than it would to take the full twelve months cover (as far as I'm aware you just pay for 10 months cover instead of a full 12).
Diamond offer the usual benefits, including legal expenses cover, a guaranteed replacement car (though this is subject to conditions - for example, they don't guarantee a replacement car if you're insuring an imported vehicle), and a 24 hour accident and glass repair helpline.
The Expense
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According to their website their motor insurance quotes are particularly good if you live in Scotland, London or the South East. I don't live in any of those areas, but I have consistently found them able to give me the best quote for the last few years. Obviously a company that's cheaper for one person is not going to be cheaper for everyone - at the end of the day to get the best price you do need to ring around a good few companies.
I was concerned when insuring my car with them that I would have problems adding my boyfriend as a named driver (with Diamond being a specialist in womens car insurance), I thought that they would either not do it or it would cost a fortune, however this was not a problem and only cost a relatively small amount.
The Verdict
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In general their customer service is good, though I would recommend that if possible you use the internet to communicate with them or call during the day, not the early evening.
Diamond are very prompt in sending out paperwork and are keen to get feedback from their customers - almost every time they've posted something to me (e.g. when I've rung to change my payment details at the time of renewal) they've always sent out a brief questionnaire for comments on how well they dealt with my query. (Hopefully they take notice of what customers say to them!)
If you a female driver, in particular if you're young, have had claims in the past and drive a fast car (like myself!) then I would certainly suggest giving Diamond a try. If you're reading this, then you're already online, so why not go to diamond.co.uk to see what quote they could offer you. You're not tied in to anything by getting a quote.
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