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Different Defaqto ratings for Safeguard policies?

Hi all.  Could do with some advice. 

Using Money Supermarket for house and contents insurance quotes. 

I have been given two Safeguard quotes.  One for £367.  The other for £389.  

The first has a Defaqto one star.  
The second 4 stars. 

When I compare them they look the same - voluntary excess etc…..

Anyone have an idea as to why they might be different??

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