How we score
We send surveys to insurers asking about the features and premiums of their products, and we use their responses to calculate each policy's score. The score is made up of the product features (70%), the price rating (20%) and a satisfaction (10%).
Premiums differ from customer to customer, so we can't estimate how much a policy will cost you. We came up with five policies to cover young people, families, good drivers, bad drivers and retirees. For each scenario we request two quotes per state and territory, one in the capital and one in the regions. Each policy is ranked according to how close those quotes are to the average in each state, $ being cheaper, $$$$$ being more expensive. It goes without saying you usually get what you pay for.
The satisfaction score is derived from a survey of insurance customers we did in 2016. It tested people's views about their insurer, based on five factors they said were important to them: customer service, good reputation, claims handling, trustworthiness and value for money. People were asked to rate their experience with their insurer overall, and how likely they were to renew next year. We also used data from the Financial Ombudsman Service to determine how likely an insurer was to get complaints.