Defaqto Ratings

At Vantage Insurance Services Limited, we are committed to providing great value products of the highest quality. We’re extremely proud of our 5 Star Defaqto Ratings for our Touring Caravan Insurance products across our brands Club Care Insurance and Shield Total Insurance.

As of 2020, our Touring Caravan Insurance products have been awarded a 5 Star Defaqto Rating for the ninth consecutive year. We’ve highlighted exactly what this great achievement means for our customers.

Defaqto Expert Rated

Who is Defaqto?

Defaqto is an independent researcher of financial products, providing intelligence to support better and more informed decision-making for customers. Defaqto’s in-house team independently rates products across more than 60 categories, giving each a 1 to 5 Star Rating based on the quality and comprehensiveness of the features and benefits it offers. Since 2000, Defaqto has analysed over 30,000 different financial products.

What do 5 Star Defaqto Ratings mean?

By collecting and analysing data from across the whole market, Defaqto use Star Ratings to enable customers to easily compare and contrast the quality of financial products by the Rating they receive. Product Ratings are calculated by assessing between 40 and 100 features and benefits, with each scored from 1 to 5. The scores are then totalled and all products ranked to determine the overall Star Rating.

Products with a higher Star Rating are more comprehensive and generally of a higher quality. Products rated 1 Star are described as “basic” with a low level of features and benefits, while 5 Star products provide the highest level of cover with a comprehensive range of features and benefits. A 5 Star Rating is defined as an excellent product with a comprehensive range of features and benefits.

“Our in-house team analyses 56 separate features and benefits of touring caravan insurance policies when calculating the Star Rating. This includes 12 ‘core’ criteria which Defaqto states should be provided by a touring caravan insurance policy for a 5 Star Rating to be given e.g fire, theft, accidental, malicious, flood and storm damage.”

– Mike Powell, Insight Analyst for Banking and GI at Defaqto

Why is a 5 Star Defaqto Rating important for customers?

Particularly when buying a financial product such as insurance, it’s important to base your purchase decisions on the quality of the product rather than just how much it costs. It pays to be properly protected by a specialist insurer who understands your specific requirements and the possible claims scenarios that could arise.

Buying insurance can be a costly, time consuming and confusing process, and with so many products available it’s often difficult to know which one to choose. Rather than searching through hundreds of caravan insurance reviews, 5 Star Defaqto ratings give a quick indication of where a product sits in the market in terms of the features and benefits it offers.

“Defaqto Star Ratings provide an at a glance view of where caravan insurance products sit in the market in terms of feature quality and comprehensiveness. 5 Star rated products are amongst the most comprehensive propositions on the market.” 

– Mike Powell, Insight Analyst for Banking and GI at Defaqto

Using Defaqto to compare caravan insurance

Defaqto Star Ratings are a trusted industry standard for assessing the quality of the various products on the market, providing independent and unbiased caravan insurance reviews that consumers can trust. When looking for touring caravan insurance reviews online, unregulated user reviews or other Rating systems such as those found on many price comparison websites are often unreliable.

Defaqto does not have ties with any provider and providers do not pay them to rate their products, which means they are able to maintain a fair, transparent and consistent assessment of the whole market. Defaqto Ratings criteria is also reviewed annually and adjusted to reflect changes in the market, meaning you’ll always have the most accurate and up to date reflection of caravan insurance reviews available.

“When buying caravan insurance it is essential that people match the features and benefits they need with those provided by the product they choose. If consumers focus on price alone they can run the risk of not including the cover they actually need.”

– Mike Powell, Insight Analyst for Banking and GI at Defaqto

Which of our products have Defaqto Ratings?

As a group, we are proud to provide some of the highest quality cover in the market. Since Star Ratings for caravan insurance were introduced in 2012, our Touring Caravan Insurance products on Club Care, Crusader and Shield have consistently received a 5 Star Rating. We are one of only 12 UK insurers to receive 5 Stars for this product in 2016, ranking above several well-known competitors including the AA, Cover4Caravans and Towergate Insurance.

“The Ratings from Defaqto mean a lot to our product development teams who have worked very hard to pull together some of the highest quality cover in the market. It communicates to caravan owners that we provide quality cover and include a comprehensive range of features and benefits.”

– Stuart Craig, Group Marketing Manager, Vantage Insurance Services

Why it’s important to choose a 5 Star insurance provider

It’s all too easy to be lured in by a low price tag, but if it sounds too good to be true then it probably is. Only specialist caravan insurers such as ourselves fully understand how caravanners use their product, and therefore tailor their policies to suit such use – it’s no surprise that Defaqto 5 Star rated products are all supplied by genuine specialists.

In our opinion, Defaqto looks at all of these issues to make the buying decision easier for the consumer. 5 Stars means exactly that!

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