How to reduce funeral costs

Piggy bank for funeral costs on wooden table

Looking for ways to reduce funeral costs? The average funeral costs around £4,000 so it’s sensible to look at how to keep costs down.

Use our guide below to see how you can save money on the cost of a funeral.

How to keep funeral costs down

It may feel like you need to plan everything immediately. But there’s no rush to get your plans in place. In fact, if you take the time to look at each part of the funeral in turn you could save on funeral costs. We’ll take you through each part of the process below so you can note down what you’d like and see if it fits your budget.

1. Burial or cremation?

There can be a big difference in price between a burial and cremation. In 2021 the average burial cost was £4,927 and the average cremation cost was £3,765 (SunLife 2022). The costs may be different up and down the UK but by choosing a cremation you could reduce funeral costs.

Your faith or the wishes of the person who died may make this decision for you. But if not, then this is one option you have to save money.

Already made your decision? Here’s how you can cut down on funeral costs whether you choose a cremation or a burial.

Keeping cremation costs down

 

Keeping burial costs down

 

2. Traditional or simple funeral?

Traditional funerals can soon add up. They usually include extras like limousines and additional services from the funeral director. So choosing from a price list might be a better option and help you reduce funeral costs. Or you could ask the funeral director (if you’re using one) for their simple funeral package. This is usually the least expensive option but it may not include everything you have in mind.

Are there any other options?

If the person who died didn’t want a fuss and you’re working with a small budget, a direct cremation or burial (also known as an unattended funeral) might be best. This is when there is no service and no one attends. But it doesn’t mean that you can’t have a memorial or get-together to remember the person who died. You could plan your own memorial service before or after at any venue you like. This could help you save on catering costs and remember the person in a way that’s personal to them.

3. Added extras or no fuss?

Remember that the funeral can be just how you want it to be. There’s no pressure to have flowers or a limousine if that doesn’t suit or if it costs too much. There may be things you can do yourself instead of paying someone, like printing your own order of service. That will help you save on funeral costs and give the person who died the send-off they were expecting. 

Use our list below to help you figure out where you can reduce funeral costs and still organise the send-off you’d like.

 

4. Use a funeral director or plan it yourself?

Arranging a funeral yourself

Did you know that you don’t have to use a funeral director to plan a funeral? There’s no legal requirement and it could help you plan a low cost funeral.

Read our guide to arranging a funeral yourself and see if it will help you keep costs down.

Finding the right funeral director

If you want to use a funeral director to help you with planning there are some things you can do to help keep costs down.

More help with funeral costs

Reducing costs is one way to make it easier to pay for a funeral. Depending on your circumstances, you may be able to get other help too:

 

×

Request Advice

Call a member of the Funeral Choice advice team on 01983 754387

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
Close
×

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
Close
×

Attended funeral

This is Funeral Choice’s best estimate of this Funeral Director’s fees for an Attended Funeral, which is where family and friends have a ceremony or service for the deceased person at the same time as they attend their burial or cremation.

This price includes the following:

  • Taking care of all necessary legal and administrative arrangements
  • Collecting and transporting the deceased person from the place of death (normally within 15 miles of the funeral director’s premises) into the funeral director’s care
  • Care of the deceased person before the funeral in appropriate facilities.
  • Providing a suitable coffin
  • Optional viewing of the deceased person for family and friends, by appointment with the funeral director
  • At a date and time you agree with the funeral director, taking the deceased person direct to the agreed cemetery or crematorium (normally within 20 miles of the funeral director’s premises) in a hearse or other appropriate vehicle

In addition to the Funeral Director’s fee, there will be third party costs to consider (sometimes called disbursements) to cover the other aspects of a funeral (such as the crematorium or burial fees). Your chosen Funeral Director will be able to provide these for you.

Close
×

Unattended funeral

This is Funeral Choice’s best estimate of this Funeral Director’s fees and the crematorium fee for an Unattended Funeral, which is where family and friends may choose to have a ceremony, event or service for the deceased person, but they do not attend the burial or cremation itself. This is also known as a Direct Cremation.

This price includes the following:

  • Funeral Director's fees
  • Crematorium fee (for an unattended funeral) as selected by the Funeral Director

In addition to this fee, there might be additional third party costs to consider (sometimes called disbursements). Your chosen Funeral Director will be able to explain these for you.

If you wish to attend the funeral, you should view the “Attended Funeral” price instead.

Close
×

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 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
Close
×

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 info@yourfuneralchoice.com 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.

Close