What is a funeral plan?

At its simplest, a funeral plan allows you to pay upfront for your funeral so your relatives don’t have to cover the costs themselves – although they are allowed to pay for your funeral using money from your estate as soon as you die (and it’s not subject to inheritance tax).
You can buy a funeral plan from either a funeral-plan provider or directly from a funeral director. You have the choice of either paying a lump sum or monthly instalments, usually over one to ten years. One-off payments usually range between £3,000 and £5,000.

What is included in a funeral plan?

A funeral plan will not include everything you need for a funeral. Exactly what is covered will vary from provider to provider. Funeral plans may cover viewings of the deceased, a limousine procession and a church service, but burial plots are often left out. Other costs, not traditionally met by a funeral director, are also not included, such as the cost of flowers.
In addition, some costs may not be met fully, and your family may have to pay the rest. For example, many providers only contribute towards the cost of cremation or burial. As always, check the details to make sure you know exactly what you are buying.

Is my money safe?

To safeguard your plan, your provider will either place it in a trust fund or invest it in an insurance policy that pays out when you die. The Financial Conduct Authority doesn’t directly regulate funeral plans, but it does have rules to safeguard your money if it is placed in a trust or invested in an insurance policy. There is a professional body for providers called the Funeral Planning Authority (FPA), which has a code of conduct that all of its members must comply with. As part of the code, the FPA’s members and the FPA itself pledge that if a provider goes bust they will look into paying for funerals that are covered by funeral plans. You may also be protected under Section 75 of the Consumer Credit Act 1974. Under the Act, a credit card provider must protect purchases over £100 if there is a problem with good and services you have paid for, or if the company you are buying from goes bust. If you are paying for your funeral plan in total upfront, you can benefit from Section 75 protection by putting part of the bill on your credit card. If you want to pay by monthly instalments you can also gain protection by using the a credit card to pay any deposits or asking your provider to pay part of the bill upfront using the card.

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

or complete our enquiry form.

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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
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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
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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.

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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.

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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
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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.

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