Defaqto

What is Defaqto?

Defaqto is the UK's leading independent financial research company. Their mission is to help consumers make better financial decisions by introducing a standardised rating system for insurance products.

Defaqto's Star Ratings help consumers easily compare the features and benefits offered by each policy. Defaqto review the quality and breadth of cover offered by each policy and award a Star Rating accordingly.

The Defaqto Star Rating should be used alongside the key cover levels offered by the policies, to help you decide on the best insurance for your individual needs.

Excellent levels of cover – exclusive to Policy Expert

Policy Expert Home Premier. 5 Star rated by Defaqto
Policy Expert Home Premier

Policy Expert Home Premier is one of the most comprehensive policies in the market as indicated by a Defaqto 5 Star Rating.

Policy Expert Home Premier work exclusively with Policy Expert, so you won't find their 5 Star product anywhere else in the market.

Policy Expert Home Premier. 5 Star rated by Defaqto
Policy Expert Home Essentials

Policy Expert Home Essentials is also exclusive to Policy Expert and is a 3 Star Rated Home Insurance policy. It provides standard levels of features and a fair range of additional benefits.

Don't forget that when you buy your home insurance with Policy Expert Home Premier or Policy Expert Home Essentials you'll also receive our 2 year fixed deal*. So instead of your premium going up next year it will stay at the same low rate.

What do the ratings mean?

Policy Expert Home Premier. 5 Star rated by Defaqto
5 Star:
Provides one of the highest quality offerings in the market with excellent levels of cover
Policy Expert Home Premier. 5 Star rated by Defaqto
4 Star:
Provides a high quality offering in terms of the features and benefits
Policy Expert Home Premier. 5 Star rated by Defaqto
3 Star:
Provides a standard level of features with a fair range of additional benefits
Policy Expert Home Premier. 5 Star rated by Defaqto
2 Star:
Provides a fundamental level of features, with a few more benefits
Policy Expert Home Premier. 5 Star rated by Defaqto
1 Star:
Provides a minimum level of features
*Your premium will be fixed for 2 years providing you haven't: 1. Reported a claim or loss in the first year or 2. Made any amendments to your cover levels. Offer available from selected insurers and may be withdrawn at any time.