Who are Defaqto?
Defaqto is one of the UK’s most trusted sources of financial product and market intelligence. To ensure their assessments are always relevant, their team of experts continually research and analyse every product. This is to make sure data is always relevant and up to date, and they use proprietary research methodology to develop their independent ratings.
They do not use consumer reviews, they only use facts, so their Ratings are completely unbiased and objective.
They rate products on a scale of 1 to 5 Stars, based on the quality and breadth of the features and benefits provided. Their process is not only open and transparent, but also stringent and consistent. The resulting Star system offers an industry-standard that brokers and customers can trust.
Demonstrating our commitment to you as a helpful partner
At RSA, we are always looking to continuously improve. Through enhancing our products, or improving online journeys, we listen to feedback from our brokers, and incorporate this into what we do.
We know that recommending an insurance solution to any customer is one of the key elements of value that brokers bring to their clients. RSA work collaboratively with brokers to help underpin the trust and advice that they bring.
As well as demonstrating that we deliver some of the best products available, it’s a reflection of our commitment to being a helpful insurance partner. We have a thorough understanding of the market and customers’ needs. As a valued broker, you can recommend these products in the knowledge that they will offer the necessary quality and breadth of wordings that smaller business customers need. All with the speed, ease and convenience of being able to transact online.
What does this mean for you as a broker?
The Defaqto Star system offers a wide range of benefits to you as a broker:
Filter for quality
Defaqto’s independent assessment of our e-traded products brings peace of mind. They offer the necessary quality and breadth of wordings your smaller business customers need.
Defaqto 1 Star indicates a basic product with fewer features, whilst a 5 Star rated product is determined to be one of the highest quality products in the market.
Save time
With so many insurance products to compare, finding the right one can be time-consuming. By achieving Defaqto 5 Star Ratings, you can be confident in the calibre of our products. Saving you time with less research for quality and breadth of cover, to create better efficiencies for you as a broker.
Ensure fair value
By selecting products accredited with Defaqto Stars, you can demonstrate you have benchmarked the product against the wider market and established the value to your customers. This helps support your product governance obligations and fair value assessments as a broker.
Relevant and future proof
Defaqto’s ratings are analysed daily and updated every year on 1st February. Factors used to review a product change as the market develops, so that the assessments are timely and applicable.
Post-recommendation assurance
Defaqto ratings are recognised by many commercial clients in their non-corporate lives. Selecting a Defaqto Star rated product enables you to display to your client that you have recommended the policy with independent accreditation.
Defaqto understands the details and the differences between similar products and small print often used in the documentation and policy wordings. Their work uncovers subtle differences in cover that could make a difference at the claim stage, is a time-consuming role and can be achieved by an independent assessor.
Which RSA e-trade products have achieved 5 Stars?
We strive to offer ‘Best in Class’ commercial insurance products with appropriate features, benefits and terms; but now you don’t have to take our word for it. Defaqto’s 5 Stars are based on fact, not opinion and the following products have achieved the top Defaqto Rating of 5 Stars.
For 2025, the following products have achieved Defaqto's 5 Star Rating:
