Diamond - Motor Insurance
Welcome to Diamond
More products means more choice
Looking for a cheap motor quote? Need cover for a holiday? Or maybe you're looking for cheaper household insurance? You can find it all here at Diamond as well as their Complementary Medicine and Physiotherapy Cover. Diamond can also offer you breakdown cover so you'll always be on the road.
Quality cover with Diamond
Diamond realise that when it comes to insurance, price is extremely important. Diamond also know that you expect a fast and friendly service.
Diamond insurance is created just for women
Diamond is a car insurance company created BY women FOR women. Diamond are great believers that women know a great deal when they see one and at Diamond you won't have to look very hard.
About Diamond Motor Insurance
Why is it that women can often get cheaper car insurance than their male counterparts?
A good question and one Diamond hear often. We all know there is a stereotype of women drivers but what is the truth behind that stereotype? The answer is that, statistically speaking, women are better drivers. The facts come from the collection of claims data over decades by car insurance companies.
Women, generally speaking, have the same number of accidents as men, but its the seriousness of the accident that is very different between the sexes. Typically, an insurance company has to pay out more to fix a car when a man has had an accident as the car has to be extensively repaired. Womens accidents tend to cost less to repair because their accidents are often the result of minor bumps around town, or knocks when parking.
Women have a different pattern of driving to men. They drive shorter distances, have lower mileages and tend to drive more slowly. Men are convicted for 92% of driving offences and 98% of all convictions for dangerous driving.
Given these ways in which the sexes drive differently and the actual claims experience of insurance companies, you can see why an insurance company will decide to generalise that women drivers are safer.
The difference between the sexes is at its height in the late teens and twenties. Over 30 and things tend to even out and men over 75 are often regarded as the safer risk. Things could well change though.
A survey by the AA last year showed that 54% of women admitted to aggressive driving compared to 64% of men. Also, many women are now driving longer distances and at higher speeds. But until the statistical evidence shows that there has been a swing insurance companies will still rate women differently from men.
Diamond Car Insurance - Your questions answered
Is immediate cover available?
Yes. Just follow the easy steps shown on the interactive quote section of the website and your cover can start immediately.
How can I pay?
Diamond accept payment in full by Visa, Mastercard, American Express, Switch or Delta.
Are my details secure over the Internet?
Diamond have taken care to protect any information you provide them by giving you a pin (personal identification number). Diamond have also used ssl40 bit encryption on their interactive quote engine to keep your personal information and credit/debit details as secure as possible.
How will you deal with my e-mails?
The friendly and efficient Diamond representatives will reply to your e-mail within 24 hours. Visit the "about us" section of the Diamond website if you'd like to find out more about Diamond.
What is my No Claims Bonus?
For every year of claim free driving, you will earn a discount towards the cost of your renewal (to a maximum of 5 years).
What is an excess?
An excess is the amount you must pay in the event of any claim, regardless of who is to blame for an incident. If you make a claim and have comprehensive cover, you must add the relevant compulsory and voluntary excesses together to calculate the total amount you must pay in the event of any claim made. A compulsory excess automatically applies to your policy. It varies depending on the car that is covered, the age and experience of the drivers on your policy and if you have opted to take protected or guaranteed No Claims Bonus protection.
A voluntary excess is the excess you agreed at the start of the policy. It forms part of the total excess which you must pay in the event of any claim made. If you make a claim for windscreen damage and have windscreen cover (automatically included with comprehensive cover), there is a separate windscreen damage excess.
http://www.diamond.uk.com
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