Best Direct Credit Card Provider: Tesco Personal Finance

Best Internet Credit Card Provider: Smile

Best Direct Personal Loans Provider: Sainsbury’s Bank

Best Internet Personal Loans Provider: Smile

Best Direct ISA Provider: Virgin Direct

Best Internet ISA Provider: Smile

Best Direct Share Dealing Provider: NatWest Stockbrokers

Best Internet Share Dealing Provider: Charles Schwab Europe

Best Direct Banking Provider :First Direct

Best Internet Banking Provider: Smile

Best Direct Pension Provider: Virgin Direct

Best Internet Pension Provider: Virgin Direct

Shared Direct Mortgage Provider: Nationwide Building Society

Shared Direct Mortgage Provider: NatWest Mortgage Services

Best Private Medical Insurance Provider: BUPA

Best Direct Life Insurance Provider: Virgin Direct

Best Internet Life Insurance Provider: Virgin Direct

Best Direct Home & Contents Insurance Provider: Sainsbury’s

Best Internet Home & Contents Insurance Provider: Churchill Insurance

Best Direct Motor Insurance Provider: Churchill

Best Internet Motor Insurance Provider: Churchill Insurance

Best Direct Travel Insurance Provider: Travel Insurance Club

Best Internet Travel Insurance Provider:Columbus Direct

Highly Commended Internet Personal Loan Provider: Egg

Highly Commended Direct Travel Insurance Provider :Columbus Direct

Highly Commended Direct Personal Loan Provider: Tesco Personal Finance

Highly Commended Direct Motor Insurance Provider: Tesco Personal Finance

Editor’s Special Award: Smile