The Merrell Haven is NOT WATERPROOF, ladies. It has a Durable Water Repellent coating, which is what properly waterproof jackets have over the waterproof membrane. It is not enough to make the coat waterproof, so it's shower proof - much like a denim jacket or a soft shell. Although the Haven looks lovely, it is a fashion jacket - for that price I'd expect it to be at least windproof which it isn't.
give me the link to the craghoppers jacket and I'll tell you - I think quality wise they are a pile of shite, although you will be able to find technical clothing which will do the job for a year, after that normally people find that they get tatty, seams fall apart, or the DWR has worn off.
Unfortunately with technical clothing - as opposed to - there is a direct correlation between price and quality. You really do get what you pay for, and it is simply not possible to find a good quality, durable technical waterproof insulated jacket that is also cheap. But it does depend on what you use the jacket for - if it's just for pottering about the shops, something like the Haven, or a cheap waterproof will do. If you do 2hour walks with dogs in pouring rain, the difference between a proper technical jacket and a cheap alternative is a miserable afternoon versus a pleasant one.
Waterproofness is not binary as in it either is or isn't, there are degrees of 'waterproofness'. Look at the water column rating, or hydrostatic head number - anything less than 2000 is not waterproof. You want 5000 and over to really keep you dry in English rain.
The best price vs quality I find is by the Swedish brand Didriksons, worth having a look
(disclaimer - I am a stockist)