Thinking about the future: a guide to funeral plans

Arranging and pre-paying for a funeral plan can be a straightforward method of ensuring your loved ones are protected against unexpected costs and the pressure of planning your funeral.

What is a funeral plan?

A funeral plan enables you to plan for a funeral in advance, as well as pay for it – either as a lump sum or in instalments to the plan provider or your chosen funeral director.

This money that you put aside is either invested in a trust fund or an insurance policy, which means that it’s safeguarded until it’s needed. A funeral plan can be set up to pay for your or someone else’s funeral, the only stipulation is that the funeral will be held in the UK.

What are the benefits of a funeral plan?

A funeral plan can help you save money as you pay in advance and therefore avoid the risk of you or your loved ones being subject to rising funeral costs.  A funeral plan can also provide peace of mind by allowing you to make your wishes clear and removing uncertainty for friends and family after you have passed away. It also protects your loved ones from potential financial strain. Most funeral plans offer a range of options to suit a variety of budgets as well as easy payment options. However, it’s important to weigh up funeral plans to understand what each provider offers and choose the right plan for your needs.

How do I compare funeral plans?

To compare funeral plans, you need to understand what different providers offer, and bear in mind that funeral plans usually don’t cover everything that is needed for a funeral. Some only offer a contribution towards external and third-party costs associated with a burial or cremation leaving family members to cover the rest of the bill, other providers guarantee to cover these costs, and some exclude them completely. For example, the burial plot and any costs usually covered by the funeral director – like flowers and catering – are often not included.

Questions to ask when comparing funeral plans include:

  • What is included in the plan?
  • What are the potential costs not included in the plan?
  • Can you change the details of the plan or cancel the plan if circumstances change?
  • Does the plan allow you to choose a funeral director?
  • What happens if the person named in the funeral plan dies abroad?
  • If you pay by instalments, do you have to pay interest and what happens if there are any outstanding instalments when you pass away?

If you would like help finding a funeral director, our online tool can help you


Contact Us

Call a member of the Funeral Choice advice team on 01983 754 387

or complete our enquiry form.


Request Advice

Call a member of the Funeral Choice advice team on 01983 754 387

or complete our enquiry form.


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

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 [email protected] 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.