"They don’t deserve even a 1 star rating…"

Defaqto.com don’t deserve even a 1 star rating however it is required to make a review. The reason for this is that, Defaqto is backing GoGirl insurance company to support their scam tactics! They need to look into all these negative feedback from angry customers and understand their frustration with GoGirl insurance! GoGirl is a scam and a fraudulent company operating online only to lure people into buying insurance policies by using big companies as a back up to cover their scam side! Customers be warned don’t be fooled with the star rating from this particular company! Do your research and cover your backs prior to buying any insurance policy. Do not trust star ratings from this company at all!!

"This is the biggest con ever"

This is the biggest con ever ! Do not take any notice of these ratings. I have been selecting insurance providers on these ratings and often paying more due to the higher rating.
I selected Home Protect (avoid like the plaque/COVID) for buildings insurance on a second home. I experienced a burst pipe in October and it is now January and I am still nowhere near having it sorted. I don't even know the process/status and they keep getting things wrong (like not assessing the correct room). I called DEFAQTO as I wanted to feedback on this experience only to find out it is nothing to do with customer - they have criteria and look at what the companies offer/do nothing to do with how they actually execute it.

"is this simply a stitch up"

you know you see Defaqto 5* and think "oh that should be good" well think again here is a little story.
Aviva insured our vehicles 4/5 for last 12 years and proudly charged us healthy sums but then ofc we have Defaqto 5* rated cover. My wife had a no fault collision on the motorway and escaped within a whisker of death with a lot of luck, divine intervention and character. this was 10 days ago. We do not yet know if car is a write off [hit by 40 foot arctic and push along the carriageway] here is the rub NO ONE IS TALKING TO US FROM AVIVA and there is a massive conflict of interest because they insured the driver who is at fault. We have legal cover but only if we use their appointed solicitors who will be the same for the guilty party. My wife now has no car to continue doing her job as a key worker during this pandemic Aviva know this but do not do anything they have called once and that was to ask me to get my wife out of bed to speak to them about giving me authority to discuss the claim [yes i am on the policy as a named driver] DEFAQTO YOU NEED TO REDUCE THE AVIVA STARS AND GET REAL THIS CAR INSURANCE BUSINESS IS BECOMING LEGALISED THEFT

"Defaqto, Mini & BMW are are a joke!"

Defaqto rate Mapfre who provide Cosmetic Insurance cover for MINI and BMW as good but they are an absolute joke. They ignore all emails, they do not answer the phone and as you’ve paid upfront they are just hoping you give up with the claim.
Complained to MINI and BMW who sold the insurance and they say it’s nothing to do with them - REALLY????

"Good PR for Service Provider, No use to Service user"

Have become more interested in the comparison websites that rate service providers, since my so far fruitless attempt to claim on a travel insurance policy with a company rated highly by Defacto and other similar websites.

The insurance company made great play of its 5 star ratings from another company (not Defacto) on its website at the time I decided to purchase the insurance. I felt reassured that it also scored highly with Defacto amongst others.

I subsequently felt obliged to point out to the insurance company that it was fraudulently claiming 5 star rating from the other comparison website when the rating had changed, due no doubt to the raft of complaints made to said website. The insurance company then changed its headline 5 star rating to that given by Defacto

I questioned Defacto on how they decide to grant their ratings to companies. What they do not do is rate the service provided or take into account satisfaction scores from customers of the companies they assess. Therefore from a customer perspective, Defacto is not a useful tool to make decisions on whether a company is demonstrably willing to provide you with the service you want.

A plus however for Defacto was the speed with which it responded to my emails.

I am less likely to use Defacto or other similar sites to help me make decisions about services I may wish to purchase at it seems no more helpful than tossing a coin.

"Defaqto does not rate on company's ethics!"

Defaqto rating system is very limited. They do not rate ...
Regulatory - Ethical - Legal aspects when assessing a company.
They do not research the company to ensure that it is adhering to FCA guidelines, or consider how the company treats its customers.
They rate only on policy features!

A company can also BUY a 5 star rating!

When i pointed out the problem for consumers when choosing a company based on the features of a policy alone (Vitality health insurance) i was informed by Tom Whelan; "we are not planning to expand our product reviews."

Defaqto needs to update and revise its archaic rating system...and stop selling 5 star ratings!

"Poor ratings system"

I recently was looking for pet insurance through various comparison sites and found one company that had a 5 star Defaqto review which I thought was good, however when I got a quotation I found it to be more than double that of any other company. I contacted Defaqto and they said they did not base their rating on cost at all, only service. I would therefore not trust ratings from Defaqto as their ratings seem to be somewhat poor as they don't look at a very important feature cost!