Best Life Insurance Provider: Marks & Spencer Money

Best Online Life Insurance Provider: Sainsbury’s Bank

Best Savings Account Provider: Birmingham Midshires

Best Online Savings Account Provider: Birmingham Midshires

Best Banking Provider: Halifax

Best Online Banking Provider: Nationwide

Best Online Personal Loan Provider: ASDA

Best Credit Card Provider: Marks & Spencer Money

Best Online Credit Card Provider: Virgin Money

Best Travel Insurance Provider: Direct Line

Best Online Travel Insurance Provider: Sainsbury’s Bank

Best Pet Insurance Provider: Virgin Money

Best Online Pet Insurance Provider: ASDA

Best Motor Insurance Provider: Virgin Money

Best Online Motor Insurance Provider: Churchill

Best ISA Provider: Nationwide

Best Online ISA Provider: Alliance & Leicester

Best Breakdown Cover Provider: Green Flag

Best Online Breakdown Cover Provider: Green Flag

Best Share Dealing Provider: TD Waterhouse

Best Online Share Dealing Provider: iii

Best Student Banking Provider: Halifax

Best Online Student Banking Provider: Smile

Best Children’s Savings Account Provider: NatWest

Best Online Children’s Savings Account Provider: Nationwide

Best Home & Contents Insurance Provider: Tesco

Best Online Home & Contents Insurance Provider: Churchill

Best Business Banking Provider: NatWest

Best Online Business Banking Provider: Royal Bank of Scotland

Best Private Medical Insurance Provider: BUPA

Best Mortgage Provider: NatWest

Best Mortgage Provider: Co-operative Bank

Best Online Mortgage Provider: Woolwich

Best National Branch Network – Personal Banking: Nationwide

Best National Branch Network – Business Banking: NatWest

Best Regional Branch Network: Skipton Building Society

Best Overall Direct Provider: Nationwide

Best Overall Online Provider: Sainsbury’s Bank

Best Overall Branch Network: NatWest

Editor’s Special Award: Giraffe