How to pay for your own Funeral

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The price of funerals are rising, and as such the cost of dying has soared, pushing some families into debt just paying for a family member’s farewell. This means that grieving families, who are already trying to cope with the loss of a loved one, also have to worry about borrowing money or getting into debt to pay for the funeral.

The average funeral bill is now over £3,000, and many families simply don’t have that cash lying around if a loved one dies unexpectedly. A fifth of Brits admit to struggling to pay for a funeral and getting into debt. With this in mind, many people are taking out funeral plans to make sure they don’t become a financial burden on their families.

The cost of dying

It can be hard to fathom how passing away can become an expense, but this is the unfortunate reality. Funeral costs add up when you include the fees for a burial or a cremation, the celebrant or minister and funeral directors fees. You can expect to pay thousands more for transport, flowers, a memorial and the venue for the wake. Don’t forget families also have to fork out on hiring legal professionals to administer the estate and handle any leftover financial affairs.

When everything is considered, it’s easy to see how the cost of dying can be a lot more than someone prepared for.

Funeral plans

One of the best ways to plan ahead for the future and ensure your funeral costs are taken care of is with a pre-paid funeral plan. The cost of dying will undoubtedly continue to increase over the years, and taking out a funeral plan is a way to pay a fixed price for your funeral, at today’s prices.

A funeral plan allows you to pay for your own funeral in advance, over a period of months or years. Everything you have paid into a funeral plan will go towards your funeral costs, and your family shouldn’t have to make any financial arrangements unless they wish to pay extra for something not included in the pre-paid plan.

There are many different funeral plans to choose from, some which include more than others, so it’s important to browse all the options and providers. For example, a standard plan will include a basic coffin, care of the body, transport of the body to the funeral directors, burial or cremation fees and a hearse. A more expensive funeral plan may include additional extras such as a headstone and extra funeral cars for the family.

Another benefit of a funeral plan is that you’ll get to include your final wishes. You might not have discussed with your family whether you want to be cremated or buried, and what readings or music you would like at the service. You can include the information in the funeral plan, so they don’t have to make those difficult decisions.

Get in touch with our friendly advisors if you need more information about funeral plans.


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Funeral Director fees

The price quoted contains the Funeral Director fees for a simple funeral. This includes:

  • Funeral Director fees for meetings, paperwork and running the funeral
  • Collection of the deceased and care prior to funeral
  • Hearse or appropriate vehicle for transport to the funeral
  • Basic coffin

The Funeral Director fees quoted do not include third party costs (often called disbursements). The Funeral Director will guide you through your options. These costs are:

  • Cremation or burial fees
  • Medical certificate for cremation
  • Clergy or officiant fee for conducting the ceremony

In addition to the disbursements you may want to discuss optional costs with your Funeral Director - these could include:

  • Funeral flowers
  • Memorial (venue hire, catering etc)
  • Memorial headstone
  • Orders of service

What is a Direct Cremation?

A Direct Cremation is an alternative to the traditional funeral. This involves the cremation of the deceased without a funeral service. A Direct Cremation is generally the most economic option because costs of the coffin, preparation of the body, funeral service and expensive transportation are not included. However, many people choose Direct Cremations for reasons other than expense, for example:

  • - Wanting to have a memorial at a different time to the cremation
  • - Expressed desire from the deceased to not have a ceremony
  • - Individuals with relatives who face big physical or geographical challenges in coming together for a ceremony

The prices quoted for Direct Cremations include:

  • All charges, meetings and paperwork for the cremation
  • Collection of deceased and care prior to cremation
  • A simple coffin and urn for the ashes
  • Cremation fees and delivery of ashes to the family

Why is this price Estimated?

We work hard to ensure the Funeral Director Fees we display are accurate and up to date. However, unlike with our partners, we cannot guarantee this price is correct today.


Funeral Choice charity donation

To redeem the £20 charity donation all you have to do is select the charity from the dropdown list in the Make Contact form. Once you have confirmed arrangements with that funeral director send us an email to confirming the service has been arranged. After we receive this email we will make the donation to the chosen charity and confirm back to you.