Skip to content

Who are Defaqto?

Research conducted by Defaqto in 2022 showed that that 90% of consumers would be likely to choose a product that has a Defaqto Star Rating, and 71% of those who bought a financial product would be reassured by a 5 Star Rating.*

Car Insurance Defaqto logo

Read our guide below or watch Defaqto's short animation to learn how the Defaqto rating system can help you buy your Car Insurance with confidence.

For additional peace of mind, why not also review our car breakdown cover options here.

What are Defaqto star ratings?

Defaqto Star Rating Explained

Defaqto offer an independent, unbiased product assessment that consumers, advisers and brokers can trust. Research conducted by Defaqto in 2022 showed that 95%1 of people felt the Star Ratings concept was easy to understand, and 87%1 thought it would be useful when looking to purchase a financial product.

Defaqto has the UK’s largest retail financial product database, which is maintained through collecting product and fund data and using industry expertise and insight to make it comparable. This data underpins product ratings, web and software solutions, publications, events and consultancy services.

Car Insurance rankings are calculated using a scoring method called Data Numerical Analysis (DNA). Each product feature and benefit is scored from 1 to 5, with a score of 5 denoting that the product has the highest characteristics in the market for that element; a score of 1 indicates it has the lowest.

5 Star Rating

  • Product has a comprehensive level of cover
  • Product has a comprehensive level of features and benefits
  • Product provides one of the highest quality offerings in the market

4 Star Rating

  • Product has a good level of cover
  • Product has a good level of features and benefits
  • Product provides a good quality offering

3 Star Rating

  • Product has an average level of features and benefits
  • Product has an average level of cover
  • Product provides an average quality offering

2 Star Rating

  • Product has a below average level of cover
  • Product has a below average level of features and benefits
  • Product provides a below average quality offering

1 Star Rating

  • Product has a low level of cover
  • Product has a low level of features and benefits
  • Product provides a low offering

Contact us today

Find further information here on Car Insurance or speak to one of our RAC representatives on 0330 159 1019 to get a quote.


RAC Car Insurance

RAC Comprehensive Car Insurance Plus has been given a 5 Star Rating by Defaqto.

Get a quote
Young family putting things into a car boot