Insurance explained.
Every quote is handled by a real agent. Below is an explanation of what each of our insurance policies include.
Home Insurance
Whether you own your home or rent, home insurance gives you financial protection against the unexpected. From storm damage to a break-in, the right policy means you will not be left out of pocket.
Buildings cover
Buildings insurance covers the physical structure of your home, from the walls and roof to permanent fixtures like fitted kitchens and bathrooms. If your home is damaged by fire, flooding, subsidence or storms, buildings cover means the cost of repair or rebuilding is taken care of.
Contents cover
Contents insurance protects the belongings inside your home against theft, accidental damage and fire. Most policies cover furniture, electronics, clothing and valuables. We help you get the right level of cover so you are not over or under-insured.
Combined policies
A combined buildings and contents policy covers both under one plan. It is usually the most straightforward option for homeowners and can be more cost-effective than taking two separate policies.
Car Insurance
Whether you drive one car or need to cover the whole household, car insurance ensures you are protected on the road. We help you find the right level of cover at the right price.
Levels of cover
Third party only is the minimum legal requirement and covers damage you cause to others. Third party, fire and theft adds protection if your car is stolen or damaged by fire. Fully comprehensive covers damage to your own vehicle too, and is often the most cost-effective option for newer cars.
Multi-car policies
If you have more than one car in your household, a multi-car policy can cover all of them under a single plan, often at a lower combined cost than insuring each vehicle separately. Your agent will help you build the cover that fits your household.
No-claims bonus protection
Years of careful driving earn you a no-claims discount that can significantly reduce your premium. No-claims bonus protection means a single claim does not wipe out that record. We can advise whether adding this to your policy makes financial sense for your situation.
Business Insurance
Running a business comes with risks you cannot always predict. Business insurance protects you against claims from the public, your employees, and events that could disrupt your operation.
Public and employers' liability
Public liability covers you if a member of the public is injured or their property is damaged as a result of your business activities. Employers' liability is a legal requirement if you have staff and covers claims made by employees who are injured or become ill through work.
Professional indemnity
If a client suffers a financial loss because of advice or services you provided, professional indemnity insurance covers the cost of legal defence and any compensation awarded. It is particularly important for consultants, contractors and any business that gives professional advice.
Combined commercial cover
A combined commercial policy brings together several types of cover into a single plan, making it easier to manage and often reducing overall cost. We work with you to understand your risks and build a policy that fits your specific business.
Life Insurance
Life insurance gives you and your family financial security when it matters most. We help you find a policy that fits your circumstances and budget, with no jargon.
Term and whole of life
Term life insurance pays out a lump sum if you die within a set period, making it a straightforward way to protect your family during the years they depend on your income most. Whole of life insurance provides cover for your entire lifetime and guarantees a payout whenever you pass away.
Critical illness cover
Critical illness cover pays a tax-free lump sum if you are diagnosed with a serious condition such as cancer, a heart attack or stroke. The payment is yours to use however you need, whether that is to cover lost income, pay off a mortgage or fund ongoing treatment.
Joint policies
A joint policy covers two people under one plan and typically pays out on the first claim. It is a popular choice for couples and can simplify your cover, though in some cases two individual policies offer better long-term value. We will help you work out which makes more sense.
Pet Insurance
Vet bills can be significant and unexpected. Pet insurance means you can focus on your pet's health without worrying about the cost.
Annual and lifetime cover
Annual policies cover your pet for 12 months and then reset, which can work well for younger, healthier animals. Lifetime policies stay in place for your pet's entire life and continue to cover ongoing conditions year on year, making them the most comprehensive option for long-term peace of mind.
What is covered
Most policies cover vet fees for illness and injury up to an agreed limit. Depending on your policy, you may also be covered for complementary treatments, dental care and third party liability if your pet injures someone or damages property. We make sure you understand exactly what is and is not included before you commit.
Pre-existing conditions
Pre-existing conditions are not automatically excluded at Meridian. We review each case individually and look for policies that offer the best available cover for your pet's specific situation, always being upfront about any limitations so there are no surprises at claim time.