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What is Defaqto and how can it help you choose travel insurance?

What is Defaqto and how can it help you choose travel insurance?

Ever wondered what those Defaqto star ratings mean? We take a look at how they work, and how they can help you make decisions about what travel insurance to buy.  

Patrick Ikhena
From the Travel team
minute read
posted 29 JANUARY 2020

What is Defaqto?

Defaqto is a service that compares financial products. It then gives them a star rating based on the features and benefits they offer, with 5 stars being the top rating.

Defaqto experts have researched, collected and assessed nearly 41,000 financial products, and are constantly updating their findings so customers have access to the most recent results.


On 6 August 2020, the Foreign and Commonwealth Office (FCO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.

If you choose to travel overseas to a destination where the FCO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.

For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.

For more information, please see our coronavirus and travel insurance page.

How can Defaqto help me choose travel insurance?

Defaqto star ratings appear on travel insurance and credit cards here on Compare the Market, to help you make a more informed decision when comparing these products.

Once you’ve used our comparison tool to help you narrow down your quote options, you’ll still have a lot to choose from.

Knowing that products have been rated based on their quality can help you make your final decision. And because Defaqto is independent, you know that each product or policy has been thoroughly examined, and you're getting an expert, unbiased assessment.

What do the Defaqto stars mean?

  • 1 Star: provides a low offering
  • 2 Stars: provides a below average quality offering
  • 3 Stars: provides an average quality offering
  • 4 Stars: provides a good quality offering
  • 5 Stars: provides one of the highest quality offerings in the market

The ratings are given to the products, not the insurance or credit card providers, and are analysed daily and updated yearly.

How do I use the Defaqto star ratings?

When comparing travel insurance, the Defaqto star rating for an insurance provider will be shown on the quote results page, so you can see which providers have the highest rating.

When comparing credit cards, the Defaqto Star Rating will appear when you expand the ‘More details +’ section.

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