2021 car and commercial vehicle insurance Annual Moneyfacts Star Ratings revealed

The car insurance and commercial vehicle insurance companies that have been awarded a Moneyfacts Annual Star Rating 2021 have been revealed.

A full list of providers that have been given the coveted Moneyfacts 2021 Five or Four Star Ratings can be found on our car insurance and commercial vehicle insurance pages.

When deciding which companies to award a Star Ratings to, a team at Moneyfacts review thousands of products across 16 categories in which extensive analysis of more than 2,000 data fields is done to make the final choice.

Commenting on today’s Star Rating announcement, Samantha Owens, star ratings and personal finance analytics manager at Moneyfacts, said: “With many of people not using their vehicles as much as they did before and the current impact on household finances, finding the best insurance may not be in the forefront of most minds, but ensuring consumers have the best cover available is still crucial.

“Whether for personal or business use, choosing from the hundreds of policies in today’s market to find the one with the best range of features and the most competitive limits can be confusing.

“The Moneyfacts Annual Car Insurance Star Ratings and Commercial Vehicle Insurance Star Ratings aim to take on some of this work, allowing the customer to filter down and choose the best policy for them by highlighting the most comprehensive products in the market.”

When considering the car insurance products, the features that were reviewed included:

• 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.

The features that were considered when looking at commercial vehicle insurance companies included:

• New vehicle replacement cover
• Courtesy vehicle cover
• Total loss courtesy vehicle
• Windscreen cover
• Trailer cover
• Tool and vehicle contents cover
• Legal assistance
• Breakdown cover
• Transport from accident
• Audio equipment cover
• Sat nav cover
• Loss/theft of keys
• Vandalism cover
• Driving other vehicles
• Foreign usage
• Misfuelling cover
• Personal accident
• Medical expenses limit
• Personal belongings
• Repairs guarantee.