Marks and Spencer vs Meerkat
Comprehensive comparison of Marks and Spencer and Meerkat car insurance. Our expert analysis examines pricing, coverage, customer service, and claims handling to help you choose the right provider for your needs.
Key Comparison Insights
Overall Recommendation
Pick M&S for brand-backed assurance. Pick Meerkat for value, comparison, and added lifestyle perks.
Pricing Analysis
Marks and Spencer premiums tend to be higher due to built-in extras. Meerkat helps you find cheaper deals using aggregated data....
UK Market Context
UK average car insurance premium is £694(Association of British Insurers). See how Marks and Spencer and Meerkatcompare to this benchmark in our detailed analysis below.
Company Information Comparison
| Feature | Marks And Spencer | Meerkat |
|---|---|---|
| Established | 2012 | 2006 |
| Underwriter | RSA Insurance PLC | U K Insurance Limited |
| Market Position | Mid-range | Mid-range |
| Customer Service Hours | Mon–Fri: 9am–5pm | Mon–Fri: 8am–6pm |
| Claims Satisfaction | 4.0 | 4.0 |
| Financial Strength | AA | A |
| Mobile App Rating | 3.5 | 4.0 |
Policy Features Comparison
| Feature | Marks And Spencer | Meerkat |
|---|---|---|
No Claims Discount Years protected | Up to 3 years | Up to 3 years |
Telematics Option | ||
| Multi-Car Discount | ||
New for Old Replacement Vehicle age limit | Up to 1 year | Up to 1 year |
Uninsured Driver Promise | ||
| Paperless Discount |
Starting Premium
£320.00
Marks And Spencer
£240.00
Meerkat
Maximum Cover
£5,000,000
Marks And Spencer
£5,000,000
Meerkat
Total Policies
3
Marks And Spencer
3
Meerkat
Comprehensive Cover
Full Coverage
Marks And Spencer
Full Coverage
Meerkat
Premium Analysis
Features Comparison
Policy Type Distribution
Marks And Spencer
Comprehensive
1
Third Party Fire & Theft
1
Meerkat
Comprehensive
1
Third Party Fire & Theft
1
In-Depth Comparison Analysis
Expert Comparison Analysis: Marks and Spencer vs Meerkat
Our comprehensive analysis compares Marks and Spencer and Meerkatacross multiple dimensions including pricing, coverage options, customer service quality, and claims handling. This detailed comparison is based on real policy data, customer feedback, and market research to help you make an informed decision about your car insurance.
Overall Verdict
Pick M&S for brand-backed assurance. Pick Meerkat for value, comparison, and added lifestyle perks.
Detailed Head-to-Head Analysis
Pricing & Value Analysis
Marks and Spencer premiums tend to be higher due to built-in extras. Meerkat helps you find cheaper deals using aggregated data.
Marks and Spencer
Average: £420.00
Meerkat
Average: £326.67
Coverage & Benefits Comparison
M&S includes breakdown and legal as standard. Meerkat’s partners offer flexible coverage that varies by provider.
Customer Service Comparison
Meerkat doesn’t offer direct service but partners with top providers. M&S offers UK-based customer service.
Claims Process Analysis
Claims vary by Meerkat partner; M&S has a consistent internal process.
Key Differentiators
Meerkat is a comparison engine with perks
M&S offers luxury-style service with fewer pricing tiers
Meerkat includes 2-for-1 cinema and food offers
M&S suits customers seeking peace of mind over price
Meerkat gives choice, M&S gives brand reassurance
Which Should You Choose? Real-World Scenarios
New Driver (Age 18-25)
First-time driver looking for affordable coverage with good support
Based on pricing for young drivers, available discounts, and customer support quality
Family with Multiple Cars
Two adults with 2-3 vehicles needing comprehensive coverage
Considering multi-car discounts, family-friendly features, and overall value
Senior Driver (65+)
Experienced driver seeking reliable coverage with excellent customer service
Based on senior-specific benefits, claims handling, and service quality
Business Vehicle
Commercial use requiring business insurance coverage
Evaluating business coverage options, commercial claims handling, and fleet discounts
UK Car Insurance Market Context
Understanding how Marks and Spencer and Meerkat fit within the broader UK car insurance market helps contextualize this comparison. The following statistics provide insight into current market conditions.
Average Claim Settlement Time
15 days
Source: Financial Conduct Authority
Young Driver Premium Increase
+127%
Source: Confused.com Price Index
Percentage of Drivers Switching Insurers in 2024
39%
Source: GoCompare Switching Trends Survey
UK Car Insurance Market Size
31 million policies
Source: Statista UK Insurance Report
Average UK Car Insurance Premium 2024
£694
Source: Association of British Insurers
Average Cost of Car Insurance Fraud Per Case
£1,150
Source: Insurance Fraud Bureau, 2024
Customer Satisfaction Average
72%
Source: Consumer Intelligence
Black Box Policy Uptake Among Drivers Under 25
51%
Source: Compare the Market, 2024 Telematics Report
Detailed Real-World Analysis
A driver could get a £280 quote from a Meerkat partner, versus £380 from M&S with breakdown cover. Young drivers often benefit from Meerkat’s flexible options.
Our Final Recommendation
After analyzing pricing, coverage, customer service, and claims handling, here's our recommendation for different customer profiles:
Choose Marks and Spencer if:
- You prioritize comprehensive service and support
- You value additional benefits and coverage options
- You don't mind paying extra for premium service
Choose Meerkat if:
- You're focused on getting the best value for money
- You're comfortable with essential coverage levels
- You prefer straightforward, no-frills insurance
Important: The best choice depends on your individual circumstances, driving history, vehicle type, and personal preferences. We recommend getting quotes from both providers to compare actual prices for your specific situation.
Comparison Methodology
This comparison is based on comprehensive analysis of policy documents, customer reviews, claims data, pricing information, and independent research. We maintain editorial independence and regularly update our analysis to reflect market changes. Last updated: 8/2/2025
Making Your Decision
When comparing Marks And Spencer and Meerkat, consider how each provider's strengths align with your specific vehicle and driving needs. Marks And Spencer's average premium of £420.00compared to Meerkat's £326.67 should be weighed against the coverage and benefits each provider offers.
Key Differences:
- Premium range and pricing structure
- Coverage limits and exclusions
- Available policy types
- Claims process and service features
Next Steps:
- Review detailed policy documents
- Check for vehicle-specific coverage
- Consider your no claims bonus
- Compare excess options and limits
Remember that the best choice depends on your individual circumstances, including your vehicle's age, make, model, your driving history, and your budget. Consider getting quotes from both providers to make a fully informed decision.