When you’re picking travel insurance, you want to make sure it’s up to scratch. But with so many options out there, how do you know which one to choose?
That’s where Defaqto comes in. Their star ratings help you to compare the quality of policies at a glance.
We explain what the Defaqto rating means, and how it works for travel insurance.
What is Defaqto?
Defaqto is an independent company specialising in the analysis of financial products. They assess a wide range of products, including travel insurance policies, to provide unbiased star ratings.
How are Defaqto ratings decided?
Defaqto ratings don’t happen by magic—they’re carefully calculated. Each policy is scored based on the features that matter most, like medical cover, cancellation protection, and baggage limits. Extras like winter sports cover or gadget insurance can also boost a policy’s score.
So, what is a Defaqto rating? It’s a unbiased star system designed to help you compare travel insurance policies. The more stars, the more features you get. It’s as simple as that.
Defaqto ratings and travel insurance
When you're looking for travel insurance, Defaqto ratings make it easy to spot the quality of a policy. The more stars, the more comprehensive the coverage—think higher medical cover, better cancellation protection, and more perks.
This is especially handy when you’re looking for comprehensive cover. It means you can travel with confidence, knowing that you're in safe hands if disaster strikes and you need to make a travel insurance claim.
How does a Defaqto rating work?
A Defaqto rating is a star system that ranks travel insurance policies from 1 to 5 stars. It’s a quick way to see how good a policy really is.
A 1 star policy? Basic—covers the essentials but not much else. A 5 star policy? That’s the full works, comprehensive with great cover.
What do Defaqto star ratings actually mean?
These ratings make it easy to spot the best policies for your needs, whether you’re after budget-friendly basics or something that has it all.
| Star rating | Features |
|---|---|
|
1 star
|
A product that only offers a few features and benefits.
|
|
2 stars
|
A product that offers fewer than average features and benefits.
|
|
3 stars
|
A product that offers an average level of features and benefits.
|
|
4 stars
|
An above-average product with a good level of features and benefits.
|
|
5 stars
|
An excellent product with a comprehensive offering of features and benefits.
|
What Defaqto ratings don’t take into account
While Defaqto ratings focus on what a policy offers, they don’t cover everything. Things like customer service, claims handling, or how quickly you’ll get paid out aren’t part of the rating.
That’s why it’s always a good idea to read the policy details to make sure it’s right for you.
How does Confused.com use Defaqto to help you choose travel insurance?
At Confused.com, we make choosing travel insurance simple. When you get a quote with us, every policy we show you includes its Defaqto rating right upfront. Want to focus on top-rated policies? Use our handy filter to only see options with 4 or 5 stars.
The best part? You’re in control. Whether you’re after basic cover or something more comprehensive, we’ve got the tools to help you find a policy that works for your trip.
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