Home Insurance 
It's good to see a Defaqto Star Rating
Choosing on the basis of price alone means you may get a household insurance policy that suits your pocket but doesn’t necessarily give you the features and benefits, cover and customer assistance you want.
How are they awarded?
The better the overall quality of a household insurance policy compared to the rest of the market, the higher the Defaqto Star Rating our experts award it.
Like a 5 Star hotel, a Defaqto 5 Star Rating is only awarded to a policy that satisfies our key criteria.
If you compare two household insurance policies, the 5 Star rated policy will generally offer more features and benefits of a higher quality than a 4 Star rated one.
Why quality is important
Prices can change from one month to the next. They may also depend on the features of the policy, where you live or other circumstances.
Direct price comparison is not always possible or accurate, so we don’t include it when rating a product.
When choosing a household insurance policy you should therefore ensure that it fully meets your individual needs, even if it has been awarded a particular Star Rating by Defaqto.
| Rating | Features and Benefits | Best For |
|---|---|---|
| ***** | An excellent product compared to the rest of the market |
People who want a policy with high levels of a wide range of quality cover. |
| **** | A good product compared to the rest of the market |
People who want a policy with above average levels of a wide range of quality cover. |
| *** | A standard product compared to the rest of the market |
People who want a policy with average levels of a standard range of cover. |
| ** | A limited product compared to the rest of the market |
People who want a policy with below average levels of the standard range of cover. |
| * | A basic product compared to the rest of the market |
People who require basic or minimal levels of cover |
We measure 27 buildings insurance policy criteria and 40 contents insurance criteria when rating policies including:
- Alternative Accommodation
- Burst Pipes
- Buildings Accidental Damage
- Public Liability
- Emergency Repairs
- Contents Accidental Damage
- Money in the Home
- Contents in the Open
- Freezer Contents
- Personal Possessions Cover
- Legal Expenses cover
Information is provided by Defaqto who take reasonable care to ensure that the information is accurate and up-to-date. However, as much of the information is provided by third party suppliers, Defaqto cannot guarantee that data collected from, verified or supplied by any third party is wholly accurate or complete and neither company will be liable for any errors or delays in the content supplied, or for any actions taken by users on the basis of this content.