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5 Star Defaqto Breakdown Cover's most popular Three Star Breakdown Cover level has been given a 5 Star Rating by Defaqto. This means the cover provides one of the highest quality offerings on the market. We, at, are proud that our customers' most popular level of breakdown cover has been recognised by this independent industry standard that consumers trust.

Defaqto: Star Ratings from Defaqto on Vimeo.

What do Defaqto do?

Defaqto is a leading financial information, ratings and fintech business. Its unbiased product information, provided as Star Ratings, helps consumers, financial institutions and financial advisers make better informed decisions.

For over 25 years, Defaqto’s experts have been collecting up-to-date information on thousands of financial products. By researching and analysing every product on the market, they’ve created an easy and reliable way to compare them. 


What are Star Ratings?

Defaqto Star Ratings provide an expert assessment so that you can see the quality of products and policies at a glance. They rate every product on the market, on a scale of 1 to 5 stars. A 1 Star product covers the basics, whereas a 5 Star product is one of the most comprehensive on the market.

  • 1 Star – A basic product, with a low level of features and benefits.
  • 2 Star – A product typically offering a below average range of features and benefits.
  • 3 Star – A standard product providing an average level of features and benefits.
  • 4 Star – A product with a good level of features and benefits.
  • 5 Star – An excellent product with a comprehensive range of features and benefits.

Defaqto rates the product or policy, not the insurance provider. The ratings are analysed daily and updated to reflect any product or policy changes.


How do Defaqto do it?

The Defaqto experts maintain a database of 3.9 million product features covering more than 43,000 financial products. Through extensive daily market research, analysis, customer research and an understanding of the most important features. Defaqto selects and scores all the important benefits. Totalling the scores gives each product a Star Rating from 1 to 5.

Defaqto Ratings are updated and published annually on 1st February every year.


Why are Defaqto ratings important?

When searching for the right vehicle breakdown policy for you, your research will likely bring up countless options. To narrow your options and to make sure that the policy you choose is as comprehensive as possible, Defaqto Star Ratings give you a quick and easy way to compare similar policies against their features, rather than just price. 


Has our breakdown cover received any other awards?

We are also proud to have been recognised as a Recommended Provider for Breakdown Cover for 2019, 2020 & 2021 by Which?. Which? is the largest independent consumer body in the UK with more than 1.4 million members and supporters. Everything that Which? does has one overriding purpose: to make consumers more powerful. Find out more here.
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All competitor prices have been based on our most popular 3 star level of cover for a vehicle aged up to 5 years old. Cover includes roadside assistance, nationwide recovery, home assistance, alternative transport, overnight accommodation and key assist. Last updated 05/08/2022.

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