Both services are mostly fine; Vouch make no actual decisions and are there to acquire the data and the final decision of suitability lies with your agent. Vouch will not ever say yes or no. I’ll go a step further and say a third party referencing company will only ever use a reference as a route to market for let property insurance, and this is the definitive example. Consider what you’d want to check and measure it against what they’re doing. Suitability and intentionality are two very different things.