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Our Defaqto rating

Understanding our product rating

While you've been looking around at our insurance options, you may have seen us mention that many of our products are rated 5 Star by Defaqto. But what does that mean?

To help make sense of our ratings, we explain all about Defaqto, who they are, what they do and why we're so pleased to share our rating with you.


Who are Defaqto?

Defaqto is an independent, unbiased researcher of financial products - including bank accounts, insurance policies, pensions and more.

Defaqto's aim is to give consumers a fair assessment of the products available on the market, so you can make an informed decision about the product you're selecting.

For every product that Defaqto research, they award a rating from 1 to 5 Stars, based on the key features and benefits of the product.

So, products with a 1 Star rating are generally more basic than those with the highest 5 Star rating.


How are ratings decided?

When deciding which rating to give a product, Defaqto take into account all the key feautures and benefits on offer, as well as any optional add-ons or extras.

The rating that Defaqto then give is based on an assessment of the overall product.

So, for example, our Car Insurance product has a 5 Star rating from Defaqto. This is based on the overall cover we offer on the market, compared to other providers.

However, if you choose a more basic version of our cover – like third-party insurance – you wouldn't necessarily get the same benefits as a more comprehensive version. The rating is always an assessment of the overall product on offer. 


Our 5 Star products

We're very proud of the 5 Star ratings that the following products have been given:

  • Car Insurance and MultiCar Insurance
  • Breakdown cover
  • Business vehicle insurance (including van insurance)
  • Home Insurance
  • Single and Annual Travel Insurance
  • Life Insurance
  • Over 50s Life Insurance
  • Company pension 
  • Private health insurance