nigel woollsey

Nigel Woollsey

Online Writer
Published: 05/11/2019

How do we decide which car insurance policies get the best rating?

As part of our industry-recognised star ratings system, Moneyfacts looks at all the car insurance products available in the UK marketplace. Our in-house experts carefully analyse and compare the various elements that are offered by each product to understand what benefits these bring to the customer. Car insurance policies are then assigned a star rating that reflects their performance.

Those that offer the most comprehensive range of standout features and benefits are awarded our top rating of five stars.

How does a star rating help me find the best car insurance?

Our independent and impartial star ratings provide consumers with an expert view of the whole market. Customers use our star ratings as an honest and reliable way to identify the products and providers that offer the best benefits.

What parts of the policy do we look at?

Among the many factors we look at to determine star ratings are:

  • Compulsory excess
  • Voluntary excess discount
  • Multi-car discount
  • No claims discount
  • No claims discount protection
  • Uninsured driver cover
  • Telematics
  • Courtesy car
  • New car replacement
  • Transport from accident
  • Loss/theft of keys
  • Driving other cars
  • Personal accident
  • Legal assistance
  • Breakdown cover
  • Audio equipment cover
  • Sat nav cover
  • Medical expenses limit
  • Repair guarantee
  • Misfuelling cover
  • Foreign usage availability and limits
  • Windscreen cover
  • Child seat cover
  • Vandalism cover
  • Personal belongings
  • Set-up fees

Car insurance – Five Star

Car insurance - Five star

  • 1st Central - Private Car Premier
  • 1st Central - Private Car Plus
  • 1st Central - Private Car
  • AA - Car Insurance AA Members
  • AA - Car Insurance Non Members
  • Admiral - LittleBox
  • Admiral - Car Insurance
  • Admiral - MultiCar
  • Admiral - Plug & Drive
  • Age Co - Motor Insurance
  • Ageas - Car Insurance
  • Aston Lark - Elite Motor Insurance
  • Aviva - AvivaPlus Premium
  • Aviva - AvivaPlus Regular
  • Aviva - Motor Insurance
  • Aviva - MultiCar Insurance
  • AXA Direct - Car Insurance
  • Bell - Plug & Drive
  • Brightside - Car Insurance
  • Budget Insurance - Private Car Policy
  • By Miles - Car Insurance
  • Churchill - DriveSure Car Insurance
  • Churchill - Car Insurance
  • Confidas - Motor Lux
  • Confidas - Motor Max
  • Co-op Insurance - Motor Car Insurance
  • Covéa Insurance - Private Car
  • Debenhams - Private Car Insurance (Southern Rock Insurance)
  • Debenhams - Private Car Insurance (Watford)
  • Dial Direct - Premier Car Insurance
  • Dial Direct - Car Insurance
  • Diamond - Car Insurance
  • Direct Line - Select Premier
  • Direct Line - DrivePlus Car Insurance
  • Direct Line - Car Insurance
  • Elephant - Car Insurance
  • Endsleigh - Car Insurance
  • esure - Car Insurance
  • Fiat Insurance - Motor Insurance
  • First Alternative - Car Insurance
  • Forces Mutual - Car Insurance
  • Ford Insure - Car Insurance
  • Geoffrey Insurance - Car Insurance
  • GoSkippy Insurance - Private Car Insurance (Southern Rock Insurance)
  • GoSkippy Insurance - Private Car Insurance (Watford)
  • Hastings Direct - Hastings Premier Car Insurance (XA)
  • Hastings Direct - Hastings Direct Car Insurance (XA)
  • Hastings Direct SmartMiles - Car Insurance
  • Hedgehog - Private Car
  • Home & Legacy - Ultimate Motor Insurance
  • Home & Legacy - Premier Motor Insurance
  • Honda - Car Insurance
  • Hughes Insurance - HughesDrive
  • iGO4 Insurance - iGO4 Insurance
  • iGO4 Insurance - iGO4 More
  • insurePink - Car Insurance (XA)
  • Jeep Insurance - Motor Insurance
  • John Lewis Finance - Car Insurance
  • LV= - Car Insurance
  • M&S Bank - Premier Car Insurance
  • M&S Bank - Standard Car Insurance
  • Mercedes-Benz Insurance - Motor Insurance
  • MORE TH>N - Car Insurance
  • NatWest - Premier Motor Insurance
  • NFU Mutual - Car Policy
  • Nissan Insurance - Optima Car (Ageas)
  • O2 - O2 Drive
  • O2 - O2 Drive Box on Board
  • People's Choice - Car Insurance (XA)
  • Police Mutual - Car Insurance
  • Police Mutual - Family Car Insurance
  • Police Mutual - Narpo Gold
  • Porsche - Car Insurance
  • Post Office Money - Over 50s Car Insurance
  • Privilege - Comprehensive Plus Car Insurance
  • Privilege - DriveXpert
  • Privilege - Comprehensive Car Insurance
  • Provident Insurance - Car Insurance
  • RAC - Black Box Insurance
  • RAC - Car Insurance Plus
  • RIAS - Car Insurance
  • Royal Bank of Scotland - Premier Motor Insurance
  • Saga - Saga Car Motor Insurance
  • Saga - Saga Essential Motor Insurance
  • Sainsbury's Bank - Car Insurance
  • Santander - Car Insurance
  • Sheilas' Wheels - Car Insurance
  • smart - Motor Insurance
  • Swiftcover - Car Insurance
  • Swinton Insurance - Premier Car Insurance
  • Swinton Insurance - Classic Car Insurance
  • Tesco Bank - Tesco Bank Car Insurance
  • Vavista - Private Car Insurance (Southern Rock Insurance)
  • Vavista - Private Car Insurance (Watford)

Car insurance – Four Star

Car insurance - Four star

  • Ageas - Car Insurance Essentials
  • Ageas - Optima Car
  • Ageas - Motor Guard
  • Alfa Romeo Insurance - Motor Insurance
  • Audi Insurance - Car Insurance
  • Aviva - AvivaPlus Basic
  • AXA Insurance - Car Plus
  • AXA Insurance - Car Insurance
  • Bank of Scotland - Car Insurance
  • BMW Insurance - Car Insurance
  • Carole Nash - Six Wheel Insurance
  • Cornish Mutual - Private Motor Vehicle Insurance
  • CSIS - Car Solutions Insurance
  • Darwin - Car Insurance
  • Fish Insurance - Car Insurance
  • General Accident - Telematics Car Insurance
  • Go Girl - Private Car Insurance
  • Halifax - Car Insurance
  • Hughes Insurance - Car Insurance
  • Insure 2 Drive - Private Car Insurance
  • Lexus Insurance - Motor Insurance
  • Lifesure Group - Motor Insurance (40+)
  • Lloyds Bank - Car Insurance
  • LV= Broker - Clear Car Insurance
  • Markerstudy Insurance Services Limited - Private Car Insurance
  • Markerstudy Insurance Services Limited - Telematics Insurance Policy
  • MINI - MINI Car Insurance
  • MORE TH>N - Smart Wheels Car Insurance
  • Nissan Insurance - Motor Guard (Ageas)
  • Post Office Money - Under 50s Car Insurance
  • Quotemehappy.com - Car Insurance
  • Seat - Car Insurance
  • Skoda - Car Insurance
  • Ticker - Car Insurance
  • Toyota Insurance - Motor Insurance
  • Vauxhall Insurance - Motor Insurance
  • Volkswagen Insurance - Car Insurance
  • WiseDriving - Intelligent Car Insurance
  • Zurich - Car Soltuions Plus Insurance
  • Zurich - Car Solutions Insurance

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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