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.*

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 piece of mind, why not also review our car breakdown cover options here.


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%* of people felt the Star Ratings concept was easy to understand, and 87%* 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.

Our comprehensive Car Insurance Plus is packed with features and benefits and has a Defaqto 5 Star Rating.

  

Pay-by-day car insurance from 1 hour-30 days

  

A new kind of car insurance for lower mileage drivers.

  

10% multi car discount for up to three additional cars so you can cover your whole family.

  

RAC Learner Driver Insurance offers flexible, short term cover whilst you gain experience behind the wheel. Buy comprehensive cover online 24/7.

  

Black Box Insurance saves new and young drivers money by rewarding safe driving.

  

Protect yourself from unexpected costs when hiring a car. Daily cover from the equivalent of £3.49††

  

Specialist insurance for your classic car with free agreed value cover at no extra cost.

  

Find insurance cover for your electric or hybrid car at the right price with RAC.

  

RAC Temporary Business Car Insurance covers you for business related travel from 1 hour to 30 days

  

Provides van drivers with short term cover for vehicles up to 3.5 tonnes. Cover from 1 hour to 30 days.

  

Motorbike insurance UK from the RAC, bringing competitive motorcycle insurance quotes online with the optional extra of motorbike breakdown cover for your quote.

  

5 Star Car Insurance

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