Best Direct Banking Provider: Royal Bank of Scotland

Best Internet Banking Provider: Smile

Best Direct Mortgage Provider: NatWest

Best Direct Mortgage Provider: Abbey National

Best Internet Mortgage Provider: Alliance & Leicester

Highly Commended Internet Mortgage Provider: Coventry Buiding Society

Best Direct Personal Loan Provider: Sainsbury’s Bank

Best Internet Personal Loan Provider: Smile

Best Direct Savings Account Provider: Birmingham Midshires

Best Internet Savings Account Provider: Smile

Best Internet Credit Card Provider: Smile

Best Direct Credit Card Provider: Nationwide

Best Direct ISA Provider: Nationwide

Best Internet ISA Provider: Smile

Best Direct Car Loan Provider: Alliance & Leicester

Best Direct Travel Insurance Provider (Individual): Direct Line

Best Internet Travel Insurance Provider: Direct Line

Best Direct Travel Insurance Provider (Family): Nationwide

Best Internet Home & Contents Insurance Provider: Nationwide

Best Direct Home & Contents Insurance Provider: Sainsbury’s Bank

Best Direct Life Insurance Provider: Tesco Personal Finance

Best Internet Life Insurance Provider: Tesco Personal Finance

Best Private Medical Insurance Provider :AXA PPP healthcare

Best Direct Motor Insurance Provider: Churchill

Best Internet Motor Insurance Provider :Churchill

Best Direct Pet Insurance Provider: Marks & Spencer Financial Services

Best Internet Pet Insurance Provider: Tesco Personal Finance

Highly Commended Direct Travel Insurance Provider: Churchill

Highly Commended Internet Life Insurance Provider: Legal & General

Highly Commended Direct Life Insurance Provider: Marks & Spencer Financial Services

Editors Special Award: Kent Reliance