Defaqto Star Ratings


We all know how much our insurance costs but is the quality of our cover important? Knowing how your policy rates against the rest of the market is an integral part of the buying process because without that knowledge how do you know if your cover represents value for money? You can assess the quality of your cover across the whole UK Insurance Market and how your policy ranks by using the Defaqto Star Rating service.

Defaqto is an independent financial research company specialising in rating, comparing and analysing financial products.

Since 1994, Defaqto has built the largest, whole of market, financial product database and become one of the leading providers of financial product data in the UK. We now cover over 30,000 products across banking, life, pensions, investments and general insurance.

Defaqto have studied many market sectors including current accounts, insurance, life and protection, mortgages, investments, credit cards and pensions – and you can check their ratings here.

We will always tell you the Start Rating of your existing policy and that of any quotation that we prepare and you if at all possible and will say that the product has been awarded a Star Rating by Defaqto for the level of cover provided.

Such Star Ratings range from 1 up to 5 where a 5 Star Rated product will provide the highest levels of cover and the widest range of features and benefits and a 1 Star Rated product will provide a limited range of features and benefits and a basic level of cover.

Defaqto Ratings are continually monitored and a product’s rating can change from day to day. Therefore, any reference to a product’s rating should show the date it was sourced from



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