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Yes, Diamond offers immediate cover. Just click on Get a quote and follow our easy steps. Your cover can start immediately.

You've got a choice of payment options with Diamond. You can pay in full by Visa, MasterCard, American Express, Maestro, Visa Debit/Delta or in instalments by Direct Debit.

We use advanced encryption codes on our quote engine to keep your personal information and credit/debit details as secure as possible. For more information look at the Privacy and Security Statement, in Legal information.

Every year you drive without making a claim or having a claim upheld against you, earns you an additional year of NCB, which can lead to discounts off your renewal premium. Your No Claims Bonus builds up to a maximum of 15 years.

If you make a claim you must pay an excess, regardless of who is to blame.

If you have Comprehensive cover, the total accidental damage excess is calculated by adding together the relevant compulsory and voluntary excesses.

A compulsory excess automatically applies to your policy. This depends on the car that is covered, the age and experience of the drivers on your policy and whether you have protected or guaranteed No Claims Bonus.

A voluntary excess is the excess you agreed to pay at the start of the policy.

Details of all your policy excesses can be found on your Policy Schedule.

We won't keep you hanging around for a response. Our friendly and efficient Diamond experts aim to reply within 24 hrs.

If you have Third Party, Fire & Theft cover only, the sections of the Guide that apply to you are 2, 3, 5 and 6.

If you have Third Party cover only, the sections of the Guide that apply to you are 3, 5 and 6.

However, there are Conditions & Exceptions that apply to individual sections of the policy and General Conditions and General Exceptions that apply to the entire policy.

You will find details of how you can make a claim here.

To help us process your claim as quickly as possible, please make sure you have the following to hand:

• Your policy number or vehicle registration
• Details of anybody else involved in the incident
• Any emergency services and/or witness details

Customers with Comprehensive cover can contact our roadside emergency helpline 24 hours a day, 365 days a year. Please find out more here.

If you need a tow because of a breakdown, you’ll have to pay the recovery charges if you’re not covered by our breakdown service. If you require details of how to buys our breakdown service, please contact us.

If your windscreen or windows have been smashed, damaged or chipped, we can organise a repair or replacement.

Windscreen cover is included with our Comprehensive cover and can be bought as an optional extra on Third Party, Fire and Theft, and Third Party Only policies.

Please note:
Windscreen claims won’t affect your No Claims Bonus
Courtesy cars aren’t provided for windscreen claims

To make a claim, please click here.

If your vehicle can be repaired and the damage is covered by your insurance, your car will be repaired by one of our approved repairers.

Any repairs carried out by our approved repairers are guaranteed while you own the vehicle. Any parts used during the repair will be covered under the manufacturer’s guarantee.

If you have a third-party fire and theft policy, please still contact us to see if we can help.

To make a claim, please click here.

If your vehicle can be repaired and the damage is covered by your policy, our approved repairers will give you a courtesy vehicle once the repairs have started.

If your vehicle isn’t driveable, our repairer will give you a small hatchback courtesy car when yours has been declared repairable and the repairs have started.

Your courtesy car will also:

• Last for the duration of repairs
• Be covered under your insurance policy on the same terms and conditions as your vehicle (Comprehensive cover only)
• Come with 5 litres of fuel

If your car has been damaged beyond repair, you won’t get a courtesy car.

If your car is damaged beyond repair, our Claims team will contact you to discuss the next steps of your claim. We will instruct a salvage agent to collect your car and take it to a salvage yard. Please make sure all your personal belongings are removed.

If your car is deemed a total loss, your policy will be cancelled including the Driving Other Cars extension (if applicable). If you have a MultiCar policy, we’ll simply remove the car in question.

After we’ve reviewed your claim, we’ll make payment to you, minus any excess and outstanding premium, using industry-recognised guides.

If your car is a total loss, you will not be provided with a courtesy car. This is because courtesy cars are provided by the garage, not Diamond.

If you have Hire Vehicle Cover, you may be entitled to a hire car. Please log into MyAccount to see if you have it. You can also make a claim online.

As every claim is different, it’s difficult to give an exact timeframe. We’ll make sure your claims experience is as quick and stress free as possible.

Once the incident’s reported, we’ll be able to give you a better idea of how long the claims process will be.

After reporting an accident, you don’t need to contact us unless we ask you to. We’ll keep you updated along the way. If your car is repairable, our approved repairer will contact you to arrange the repairs and a courtesy car.

If your car is beyond repair, we’ll contact you about the valuation of your car.

If you do need to contact us, then you can here.

An excess is the amount you’re required to pay when you make a claim.

If your car is repairable, the excess is paid to the garage when the repairs are finished. If your car is damaged beyond repair, the excess will be deducted from the payment we make to you.

Your excess details are recorded on your Policy Schedule, which can be found in MyAccount.

You’re required to pay the excess whenever you make a claim. If the incident wasn’t your fault, you might be able to reclaim your excess back from the person responsible or their insurance company.

If you have Comprehensive cover, we’ll:

• Arrange to get your car repaired or start the total loss process
• Contact anybody else involved and deal with their claim

Please tell anyone else involved in the accident to contact us as we may be able to help with the damage to their vehicle.

We will do our very best to defend your position using all the evidence we have.

If there isn’t enough evidence to support your position, we might have to accept some responsibility. If this happens, we’ll negotiate the best possible settlement.

If the other person accepts responsibility for the incident, their insurance company will reimburse your excess. If there’s a disagreement over who was at fault and we have to accept some responsibility, you may only be able to recover part of your excess.

No. You only pay an excess if you make a claim.

If you make a claim, or a claim’s made against you, your No Claims Bonus will be reduced at renewal.

• If this is your first claim, you will receive one strike against your No Claims Bonus protection
• If you make two claims within three consecutive insurance terms, we will remove the protection
• If you make three claims within three consecutive insurance terms, you will lose your protection and your No Claims Bonus will be reduced

If you have Guaranteed no claims bonus, you can make unlimited fault claims with no affect to your bonus.

If the accident was your fault and you’ve suffered losses that aren’t covered by your insurance, you can’t claim for them unless they’re covered by alternative insurance.

If the accident was somebody else’s fault, you can claim your losses back directly from their insurer yourself.

If you’ve bought Motor Legal Protection, our solicitors will contact you to assess what losses can be recovered and help you recover them.

If you don’t have Motor Legal Protection, you may still be able to use their services at an additional cost. We can put you in touch with them to discuss further.

In most cases, making a claim or recording an incident will lead to a price increase at renewal. Your renewal price will be sent to you two or three weeks before your renewal date.

You need to report the incident to the police in the following circumstances:

• If the car’s stolen
• If the car’s broken into
• If the car’s maliciously damaged
• If the car’s involved in an arson attack
• If someone’s injured as a result of the incident
• If you feel an illegal act has taken place

If a crime’s taken place, you need to get a Crime Reference Number from the police.

You should report the theft to the police and get a Crime Reference Number immediately. Then, contact us and we’ll start the claims process.

Once our enquiries are finished, we’ll settle your claim.

Our main aim is to make sure our customers are back on the road as soon as possible. However, we know that insurance fraud is a reality and that a very small number of people give false details to fabricate (or exagerrate) car insurance claims.

We believe it’s important to identify these people and avoid paying such claims because they affect the cost of motor insurance for everybody.

We use a number of insurance industry databases to share information with other companies about claims and known fraudsters. We also share some information about car insurance fraud with other financial companies, the Police and other bodies where the law allows us to do so.

Please view our full Privacy Statement to understand how we collect, use and protect your personal data.

If you have Comprehensive cover all sections of the Guide apply.

Your Diamond Policy Booklet gives you all the information you need to know about how to keep your policy up-to-date and what to do if you need to change your details.

It's important to remember that failing to tell us about a change to your personal details could invalidate your policy. If you need to make a change - or are uncertain if you should tell us about a change - please don't hesitate to call our Customer Care Team on 0333 220 2004. Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

To see whether or not you are entitled to this cover, please refer to Section 5 and 6 of your current Certificate of Motor Insurance. Alternatively, if you call our Customer Care Team on 0333 220 2004, Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines, they will be happy to explain to you the terms of your cover.

Only drivers named on your current Certificate of Motor Insurance are covered by Diamond. If you would like to add a driver to your policy please call our Customer Care Team on 0333 220 2004. Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines. There may be an additional charge for making this change to your policy. Just make sure you have the following details ready when you call, and one of our Customer Care Team will be happy to assess if we can add the driver.

• The driver's name, date of birth and occupation
• The number of years the named driver has held their licence
• Details of any claims the named driver has had in the last 3 years
• Details of any convictions the named driver has had in the last 5 years

Your policy gives you the cover described in your current Certificate of Motor Insurance for events occurring in:

• Great Britain, Northern Ireland, the Isle of Man and Channel islands
• Any other country which is a member of the European Union
• Norway, Switzerland, Iceland, Croatia, Andorra and Liechtenstein

The car is covered whilst it is being transported by air, sea or rail between those countries.

Your policy automatically includes an International Motor Insurance Certificate (on your current Certificate of Motor Insurance) for a maximum of 30 consecutive days in any one trip up to a maximum of 90 days in a year.

The International Motor Insurance Certificate is only valid for the above named countries and there is no need to call us if you are taking your car to any of these countries but you do need to take your Certificate of Motor Insurance. However, should you wish to travel to any country not included in the above list please call us and we may, in some instances, be able to issue a Green Card for you.

Customer services number: 0333 220 2004. Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

Why are we requesting this information?

Since 8 June 2015, the paper counterpart to the photocard driving licence isn't valid and is no longer issued by DVLA. In order to replace the paper counterpart the DVLA has created My Licence and Share my Licence, where you can view and share your driving information. We require this information in order to validate the information we hold for you.

What do we need to see?

My Licence and Share my Licence - https://www.gov.uk/view-driving-licence

If we have requested this information from you please make sure you have included the following pages: Your details, Vehicles you can drive and Penalties and disqualifications.

Alternatively, you can click the Share your licence information tab and select Create a code. This code is valid for 21 days.

You must be named as a driver under section 5 of the car's Certificate of Motor insurance, to be able to drive it.

If you are an online customer you can view this document by signing in or registering to your account

If you receive your documents in the post then this document would have been sent when taking out, changing or renewing your policy.