Prepaid Funeral Plans
What are prepaid funeral plans? Are they worth it?
The death of a loved one is always difficult. Add to this rising funeral costs which now average £4,300 for the essentials and the aftershocks can be considerable. Increasing numbers of people are now taking out funeral plans so they know most of the cost of their funeral has been covered before they die, to ensure their family isn't left to foot a hefty bill. We take you through all you need to know.
This is the latest incarnation of this guide. Please give us your feedback, suggest improvements and share your tips in the Prepaid Funeral Plans Guide forum post.
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Funeral Plans: The 10 need-to-knows
A fifth of all UK funerals are now paid for in advance via a funeral plan, which leaves your family with less financial and/or organisational responsibility when you die. Plans allow anyone over the age of 50 (18+ with some plans) to pay for and set out the arrangements of the major components of your funeral now – eg, hearse and ceremony – so you can guard against rising costs. However, they do have their pitfalls, so here's all you need to know.
Beware of dodgy companies mis-selling plans
There have been reports of widespread mis-selling in this industry, with vulnerable people being cold-called and pressured into buying over-priced plans not right for them, with unscrupulous companies taking a hefty chunk of anything paid into a plan as commission. There have also been nasty shocks for grieving families who find out there is still so much to shell out for as a loved one's plan doesn't cover everything.
The industry is not officially regulated, but there is a voluntary organisation set up by the industry to regulate providers called the Funeral Planning Authority (FPA), which companies can choose to sign up to. It says 95% of funeral plans are offered by its registered providers, which must abide by a set of rules and a code of practice. So always ensure a provider is signed up to the FPA – as those mentioned in our Best Buys section below are.
It's important to do your own research to ensure the plan is right for you – and if you even need a plan at all. Don't fall for companies trying to lure you in with promised discounts making you rush into a decision.
What is usually covered in a funeral plan?
You buy the plan from a funeral plan provider (see best buys below), choosing from the different types of packages – a basic package can cost £3,000 and a top package with much more included up to £4,000. When the time comes, your family should let the plan provider or funeral director know you've passed away so arrangements can be made.
Many providers will let you choose a cremation or burial funeral plan. The initial costs are similar, but watch out for costs that won't be covered.
What's usually included:
- Care of the body
- A coffin, hearse and funeral director personnel
- Transport of the body to the funeral home
- Visiting the body in a chapel of rest
What's sometimes included, depending on the plan:
- Doctor's fees (although these aren't needed for burials, at all in Scotland or if the coroner is involved)
- Minister's or celebrant's fees
- Limousines for mourners
- Complete fees for the crematorium
What's generally not included in a funeral plan:
- Memorial, death and funeral notices
- Order sheets
- Burial fees including the cost of a burial plot (this can cost £1,000s) and digging a grave
- Catering and other costs for a wake
- A head stone
Always check exactly what is and isn't included in the plan before you buy, as every plan has its differences.
A basic funeral plan can cost around £3,000, though what this covers will be fairly limited and just include the essentials, such as a simple coffin, a standard funeral procession route, a set day and set times the family can visit the chapel.
The most expensive funeral plan can cost over £4,000 and is a lot more flexible. For example, you'll get a coffin made with more luxurious materials, two or more limousines for your family, flexible visits to the chapel and a choice of funeral day, as well as dedicated family bereavement support.
Can I plan every detail of the funeral?
Depending on how much you're willing to pay, when buying the plan you can also tell the provider exactly what you want included in your funeral – from the type of coffin, specific music played, even the food you want served. Some of these extras won't necessarily be paid for within the plan, it's just written down so your family are aware when the time comes – so you'll need to let your family know they might need to pay extra for this.
Can you choose your own funeral director?
Some funeral plan providers let you pick your own funeral director, who will arrange the funeral – though they usually have a list to choose from. Others will pick one for you. If it's important to you that your funeral is organised by a particular funeral director, then check with the plan provider and/or the funeral director that you can do this before you buy it.
Plans can guard against inflation and rising prices
All plans guarantee to cover funeral director services as specified in the plan, eg, care of the body, coffin and hearse, even if the prices increase in the future. Some also guarantee to pay for all non-funeral director costs, such as the cremation and minister or celebrant's fee, while others only give an allowance, so if prices have gone up by the time of the funeral, it may not cover it all and the family or estate would have to pay the difference.
Obviously it is a financial gamble, as we don't know what the prices of funerals will be like in the future. But a big boon of paying for your funeral now is that if prices do rise in the future, the funeral director services are protected against inflation.
For example, if you buy a funeral plan which costs £3,000 today, but don't die for another 10 years. If in that 10 years the cost of everything increased (which is likely) and now the same funeral costs £5,000, as your funeral plan is protected, your family won't be asked to pay the £2,000 difference.
Warning: The UK funeral industry is under investigation for high prices charged by directors and crematoria. There has been huge controversy over costs and the way funerals have been sold to the recently bereaved. In March, the Competitions and Markets Authority (CMA) ramped up its probe and the findings could put the brakes on rising prices, meaning any savings from buying prepaid plans may be less in future, though the price of plans could also fall.
Is a funeral plan worth it?
If you have the money to pay for a funeral plan now and you're the sort of person who likes to be in control of things, while at the same time taking the pressure off your family when the time comes, both financially and emotionally, then a funeral plan is an option to consider.
The average price of a funeral covering the core elements was £4,300 in 2018 – £3,750 for cremations and £4,800 for burials – while extras such as flowers and catering for the wake could add an additional £2,000. In contrast, funeral plans from large nationwide providers range from £3,000 to £4,000 for the essentials, plus the extra costs for discretionary items.
There are lots of things to be aware of before buying a plan, so we've highlighted the key pros and cons below.
What are the pros of funeral plans?
Buying a plan in advance of need when there's time to shop around and when the purchase can be made in what's presumably a calmer, more rational state of mind will take the pressure off your family financially and emotionally.
A plan will enable you to be in control of key elements of your funeral and save your family the organisational responsibility. Just make sure you choose a plan that gives you as much cover as you're going to need, so your loved ones aren't faced with surprise bills for excluded items or services.
Some funeral plans, particularly for cremations, allow you to pay a price that's been flattened out to work across the UK, even though you're in a more pricey location, so you could make a saving buying a plan from a big national company rather than a local firm in an expensive area.
If moving elsewhere is a real possibility, you should check any plan before you buy to see if you'll be a winner or a loser. Check to see if it will still apply and what charge, if any, will be incurred if you do end up wanting the funeral in a different place.
You're not likely to get the same potential advantage with burials, as plots aren't included in funeral plans and their cost can have a big impact, varying by £100s or even £1,000s. Plot pricing is all down to location, both within the UK and within the burial ground itself. London is by far the most expensive place to be buried but within a cemetery anywhere, some spots are more sought after and therefore pricier. Green burial costs also vary for the same reasons.
If your estate is liable for inheritance tax, you can pare down assets by paying for a plan. Money towards a funeral plan is exempt from inheritance tax liability.
Another bonus of a plan is the money in it might not be counted as part of your estate if you're assessed for help towards care costs, but it's important to check with your council first.
The Co-operative Funeral Care will carry out a funeral even if the plan purchaser only paid the premiums for a year before they died and there were still up to 24 years of payments to go. This is providing the plan would have been paid off before the holder had turned 80.
The Co-op is the only provider to give this UK-wide promise. Plans will pay out even if you haven't paid all your premiums under certain circumstances.
Currently five-year fixed savings rates beat inflation but shorter, easy-access savings don't. We can't tell what will happen with inflation and you will need to take a view on when the funeral might be needed. Once you've done your sums, you may be able to work out whether protecting against possible funeral inflation is more important to you than earning interest by saving instead.
If you decide to set aside money for a funeral into a savings account, let your family know what you want the money to be used for. But your family would still have to make all the arrangements themselves and could find there is not enough to cover the price of a funeral at the time.
What are the cons of funeral plans?
If the Competition and Markets Authority's investigation into prices in the funeral industry means prices come down for funerals bought at the time of need, it could mean that you end up overpaying by getting a funeral plan. It could also mean that prepaid plans go down. It's a gamble.
There are, of course, other reasons beyond just the price for paying in advance (and we've listed these above in the pros of plans). It's important you work out what's right for you and your family.
You don't have to use a funeral director at all, so you could save a significant amount if you're willing to organise the separate elements of a funeral yourself.
Depending on location, time slots and how much is done by others, it's possible to have a funeral for under £1,000 with a cheap cremation. A less basic, but still simple, cremation funeral involving having the deceased collected, an ordinary coffin, cremation and the ashes being handed over is about £1,700, with an average of £1,000 more for burials.
The table gives average prices (except where we've been more specific) for key elements in both cremation and burial funerals. Some costs may be covered already, such as holding the body in a hospital mortuary.
Collecting body No cost if you collect the body yourself from hospital mortuary. For a funeral director, it can cost £150-£300 depending on the time of day or up to around £500 if collecting from a care home, own house or out of hours. Cremation £360-£1,070 depending on whether crematorium is privately or council owned and on time slot. £600 on average. Doctors' certificates £164 (two needed for cremations, but none required for burials) Minister or celebrant (not compulsory) Up to £200 Coffin suitable for cremation £200 Cardboard coffin for burial £200 Burial plot £300 to £8,000 depending on location and if local council tax was paid, natural burial sites around £600 Grave diggers £200-£450 (but others can dig it)
One of the key sales points on funeral plans has been price rise protection, but if you're going to need a funeral shortly, there's little gain from inflation proofing.
It's possible to find a funeral that costs less than a similar plan so if you think you or your family will be cool headed enough to compare prices and not succumb to up-selling after a loved one has passed away, you may not need to buy a plan.
But a word of warning. It's almost impossible to make an exact like-for-like comparison between prepaid and at need packages and you'll have to take a view on which features matter to you. For example, the Co-op's Simple at need funeral could cost on average £315 less - depending on location - than its broadly similar Simple plan but the £3,295 plan does offer slightly more - some flexibility on timing and help with arranging a service.
Similarly, comparison site localfuneraldirector.co.uk offers even lower prices for very broadly similar 'at need' cremations starting with Direct at £1,209 once doctors' fees are added in, a package that may suit some but offers less than the Co-op's plan.
Burial and cremation costs behave in a similar way to property: they're all about location, location and location. If the funeral is going to take place in a less expensive area, you may find small providers giving cheaper prices for funerals bought at the time of need than larger, more well-known companies, which have national pricing strategies with their plans.
Some plans may not cover you for costs if the body has to be brought back over a certain distance, typically 30 or 50 miles, and some will only allow funerals in the area you bought it, so if you are planning on moving, a plan might not be right for you.
Your money isn't protected like a savings account
The key thing to understand about this market is it is not regulated. This means your money isn't protected like in a savings account – where the first £85,000 is protected in the event of the bank or building society going bust – although discussions are ongoing to see whether this is an option.
However, there is a voluntary organisation set up by the industry to regulate providers called the Funeral Planning Authority (FPA), which companies can choose to sign up to. It says 95% of funeral plans are currently offered by its registered providers, which must abide by a set of rules and code of practice.
Every funeral plan provider, whether FPA-registered or not, must legally invest the money to pay for the funeral separately from the provider in either an insurance policy with a regulated insurer, or in a trust fund with independent trustees. This should mean if anything happens to the provider the money is ring-fenced and protected, so you won't lose it.
If you buy a plan from an FPA-registered provider, then as part of its checks, the FPA will ensure the provider has invested your money properly. It'll also help with any complaints you have. In the best buys below, we only feature providers signed up to the FPA.
Your money being ring-fenced doesn't necessarily mean your funeral will still be covered if the funeral plan provider went bust, though if the provider is registered with it, the FPA will endeavour to make sure your funeral is delivered by another of its registered providers across the UK. Depending on the contract the provider had with the funeral director, if the provider went bust it might just mean all your money is returned to you, and you no longer get the funeral you wanted.
It's not a legal requirement for providers to be registered with the FPA, but most funeral plan providers – including the big ones such as the Co-op, Dignity and Golden Charter (which covers many small independents) – are signed up and consequently are subject to external scrutiny. You can find out if your provider is registered on the FPA website.
What if I have a complaint?
If you have a complaint about your plan provider, you can take it to the FPA to resolve if you have no luck with the provider first. They can engage an arbitrator to settle your dispute, and the resolution is then legally binding. Even if it doesn't reach arbitration, most funeral directors will follow the decision of the FPA.
Cash paid into a funeral plan is sheltered from the taxman and care home fee evaluations
One bonus of a funeral plan is that, once paid for, it isn't counted towards your estate, so it's excluded from inheritance tax charges when you die. If instead you'd chosen to keep money aside in a savings account to pay for your funeral, this does form part of your estate and is included in the total value of your estate for inheritance tax purposes.
Another key bonus of a plan is the money isn't usually counted as part of your estate if you're being assessed for help with care fees by your council, though you should check with your local authority.
There are four ways to pay for your funeral plan
Most funeral plan providers have various payment methods. If you don't have the lump sum to pay straight away, you can pay in instalments. There are four different options:
A good option and the most popular if you have the lump sum. It means you won't have to worry about ongoing monthly payments which could cost extra, or any of your family having to make repayments if you die before you've finished paying it off.
This is best option if you don't have the full lump sum but can clear the full amount within 12 months as you're not usually charged extra, so in effect you're getting to pay off your plan interest-free for a year.
But the downside is that if you die within the 12 months and haven't finished paying off the plan, your family will be asked for the remaining balance. If they don't pay, your plan could be cancelled and any money you've paid returned to your estate, minus a cancellation charge which could be as much as £800.
If you don't have the money now or can't pay in under a year and you really want a funeral plan, you can spread your payments for up to 30 years. But the cost will be typically 10% more (though could be higher depending how long you want to spread the payments for, cancelling out any saving on the funeral plan).
If you die before repaying the full balance, your family will be asked to pay the remainder. If they don't, your plan may be cancelled for a hefty charge and any money you've already paid returned to your estate.
There may be some exceptions. Some plans, such as the Co-op's, pay out even if you haven't paid all the premiums if certain conditions are met. With the Co-op, if you've been paying off a two- to 25-year plan for over 12 months but pass away before it's paid up, the Co-op will carry out the funeral and not charge your family the remaining instalments.
Not many of these are sold any more, but here you pay a fixed amount each month (it varies depending on your age) until you die or until your 90th birthday, whichever is sooner.
Generally your fixed monthly payments would be lower than paying by option C above, but because you could potentially be paying over a much longer time period, overall you'll likely be paying in more – unless you die earlier than expected.
WARNING! There is a real danger you could end up paying in more than the funeral will actually cost if you pay monthly until you die.
Tell your loved ones you have a funeral plan
When you die, whoever is looking after your estate will need to notify the funeral plan provider or your nominated funeral director who will arrange and pay for the funeral, so it's important you tell people you have a plan.
If you don't document it, but your family think you had a plan and just don't know who you bought it from and what the details are, the FPA has a trace a funeral plan facility on its website.
The funeral plan provider will keep a copy of everything you have requested as part of your plan, so as long as your family know who the funeral plan provider is, they don't have to track down any specific documents. But it's always a good idea to have your own copy and ensure everyone who needs to know knows where it is when the time comes.
If you've set up a plan to avoid your loved ones having any nasty surprises or hassle, it's important to tell them exactly what's included as plans don't cover everything.
Don't confuse funeral plans with over-50s life insurance plans
We're not a fan of over-50s life insurance plans, where for most people you end up paying in far more than you would get out. There has also been much consumer confusion following misleading promotion of them over how much they could deliver, especially regarding funeral costs.
Funeral plans are different. That's because you can pay in one go up front, or a set amount each month for a set period of time (typically for up to five years or less) – so there doesn't have to be any ongoing payments for life. Also, once bought, certain basic services you want in your funeral are guaranteed to be provided. The rest, depending on the contract, may be partially paid.
Consider whether you need the money to live on now
If you need the money more desperately now, then you'll need to consider whether a funeral plan is the right option for you. Also, bluntly, your funeral will then be down to your family to arrange, so won't be your problem. If there's enough money left in your estate when you die, the funeral can be paid for from that.
Most banks will pay an undertaker's bill straight away (provided there are sufficient funds), even though other money won't be released from an estate because of probate, provided an authentic funeral company's invoice and a death certificate are presented. Banks won't pay for other associated bills such as for the wake or flowers.
Below is our top pick from the UK’s biggest providers of funeral plans. These three work with a wide geographical spread of funeral directors. We've ranked these plans on price, based on what’s included and how likely you are to pay extra in the future. All of these providers allow you to pick from a range of services, but only one lets you pick the funeral director.
In theory, they can be beaten on price by smaller providers but it’s always important to check whether there are directors who will carry out that plan in your locality. Some plan providers have more extensive national coverage than others and others are concentrated only in some regions (more information below.) If you think you might relocate, you should check out how easy it is to transfer any plan you're considering to the new area and what costs might be incurred before you buy it. The Co-op and Dignity can deal with moving.
Equally, if you want to be buried or cremated far from your last home, you should look at the plan's mileage limit (usually 25 miles) for transporting a body before more charges are raised.
All the funeral plan providers below are registered with the Funeral Planning Authority (FPA), which means they have signed up to being independently scrutinised.
Cheapest provider but cremation doesn't include doctors' fees, so you'll have to pay extra
Age Co Funeral Plan is the cheapest of the nationwide providers, but you'll end up paying extra for a cremation because doctors' fees of £164 – which you need – aren't included. Age Co's funerals are provided by Dignity and you must use a Dignity director.
Its four set plans range from £2,870 to £3,870. All four burial or cremation plans include:
- Funeral director to make arrangements, the hearse and funeral personnel.
- Caring for the deceased and visits to the private chapel of rest during working hours.
- Local cremation fees and the minister or officiant's fees for a cremation.
- For burials, there's an allowance of £1,220 towards burial costs and a minister's fee (plots alone can costs £1,000s).
Age Co's 'Basic' plan is £2,870 and includes a simple coffin but no limo, limited choice of times and directors, and you can't add in any special requests. See FAQs for full details on all plans.
Choice of funeral director? No, but can choose from a list from Dignity plan providers.
Choice of funeral day/date? Yes, but restricted days and times on Basic plan.
Min age to take out policy: 50.
How to pay: Lump sum or instalments.
Cancellation charge: None.
Age Co gradually steps up its packages, starting from the cheapest Basic plan, so we've noted at which stage the key additions or upgrades start.
Basic – £2,870
Restricted funeral times, limited choice of directors, a basic coffin, no limo, procession only to burial ground or crematorium, special requests not permitted.
Ivy – £3,270
Wide choice of dates and directors, a wood effect coffin, co-ordination of flowers and tributes, collection of charitable donations, special requests can be added in and paid for during the plan's lifetime.
Holly – £3,625
A quality wood effect coffin, visiting at any time during the week, one limo, a longer procession first to a service location and then to the crematorium or burial place.
Rowan – £3,870
A wood veneer coffin, viewing of the deceased at any time 24/7, two limos.
You can do a dual policy at no extra cost. It will only pay for one funeral, but can be used when either the first or second person passes away. This can be useful where the cash might not be readily available.
Typical things not included are the cost of embalming the body, flowers, catering, newspaper obituaries, removing a pacemaker or artificial limbs, and carrying out your funeral on a weekend or bank holiday.
You can add in and pay for special requests during the plan's lifetime, except for the Basic plan. Some requests may cost extra and won't be covered by the price guarantee.
Golden Charter's four plans cover the funeral director's costs, but it gives an allowance for the other elements which is smaller than Age Co's above and has to go towards more items, so your family will likely have to pay extra. However, with 3,000 funeral directors, it gives a much wider choice than the other providers.
Its prices range from £2,895 to £4,099. All four burial or cremation plans include:
- A funeral director to make arrangements, the hearse and funeral personnel.
- Caring for the deceased and visits to the private chapel of rest during working hours.
- An allowance for other services (eg, crematorium, burial, celebrant or minister, doctor) of £800 for the cheapest plan or £1,100 for the other three.
With the basic 'Value' plan at £2,895, the director chooses when the funeral will take place, there's a basic coffin and no procession or limo. See FAQs for the details on all four plans.
Golden Charter also has two simple cremation plans, that funeral directors arrange but with no or next to no ceremony. These start with the 'Basic' plan at £1,749. For more details, see the FAQs.
Choice of funeral director? Yes.
Choice of funeral day/date? Yes, but not on the Value plan.
Min age to take out policy: No minimum age.
How to pay: Lump sum or instalments.
Cancellation charge: £249.
With Golden Charter the plans add to the level below, so we've picked out the key additions or changes.
Value – £2,895
The funeral director chooses the time and date of the funeral and only collects the body during working hours. There's a basic coffin, no limo or procession and the allowance for other specialists is £800.
Standard – £3,495
A choice of funeral time and place, a simple coffin and a procession just to the burial or crematorium. Will writing and the third party allowance is £1,100.
Select – £3,850
The deceased can be collected out of hours, a quality coffin and one limo.
Premier – £4,099
A superior coffin and two limos.
Yes, once it's fully paid and hasn't been funded via a life assurance plan.
Check your plan carefully, as each one will have different things excluded.
You can on all the plans apart from the 'Value' plan. Changes on the other three plans won't incur a cost unless you are upgrading an item such as the coffin. This can be discussed if you call to make changes.
Golden Charter has two cremation-only plans, where the funeral director looks after the body and arranges the cremation, but there is no funeral service, no procession, no limousines and no choice over crematorium, date or time.
Basic Plan – £1,749
Includes a £500 allowance towards third party costs such as cremation fees. There is no family viewing.
Basic Plan Plus – £2,099
Includes the features of the Basic Plan plus a hearse. Family viewing is at a time given by the funeral director.
The Co-op Funeralcare gives more overall price certainty than the other two providers mentioned above, as it covers more of the essentials as standard and guarantees to cover everything in its packages against future price rises.
Its prices range from £3,295 to £4,199. All four burial or cremation plans include:
- A Co-op funeral director to make arrangements, the hearse and funeral personnel.
- Caring for the deceased and visits to the private chapel of rest during working hours.
- Local cremation fees or burial fees, gravedigger fees but not the plot, which can cost £100s or £1,000s.
- Church service fees, minister or officiant's fees.
- Cremation document and doctors' fees.
With the basic 'Simple' plan at £3,295, you'll have restrictions on the date, a simple coffin and no limo. See FAQs for full details on all plans.
Choice of funeral director? No, must use Co-op.
Choice of funeral day/date? Yes, but restricted days and times on cheapest package.
Min age to take out policy: 18, or 50 for fixed monthly repayments (you have to be 80 by the time the payments end).
How to pay: Lump sum or instalments.
Cancellation charge: £250.
There are four plans that gradually step up from the Simple package, so we've picked out the main upgrades.
Simple – £3,295
Restrictions on date, a simple coffin, no limo, procession only goes to crematorium or burial ground.
Bronze – £3,595
Can choose date, wood effect coffin including maple, can choose procession route.
Silver – £3,950
Wood effect coffin including rosewood, more flexible viewing times, one limo.
Gold – £4,199
Wood veneer coffin including oak, two limos.
Yes, you can put two names against the funeral plan – it pays out for the first person to pass.
The cost of flowers, music, catering, newspaper obituaries, embalming and removing a pacemaker or artificial limbs aren't included on any plan. Read the T&Cs carefully to check if anything else is not included in your chosen plan.
No, once you've bought your plan with the Co-op you won't be able to make any changes to it – though you can upgrade to a higher plan. So you'll need to be certain of what you want before you buy it.
Smaller funeral plan providers can be cheaper
Smaller providers can be cheaper, but much depends on regional and local costs. If you live in a more expensive area, a provider offering nationwide pricing could be cheaper.
If you move out of the area, a local provider in your original area may not cover you. Check what their limits are or you or your family could end up with unexpected costs – exactly what you'd been trying to avoid.
To find a provider, it's by far the safest to start with the Funeral Planning Authority's list of registered providers. You should scrutinise whether likely future areas are covered or if the plan provides flexibility over location.
Comparison web sites focus on price rather than individual undertaker
Comparison web sites for plans can help you to scan across the market. They have been sprouting up across the wider funeral industry but the focus is on price and service details rather than the individual undertaker. They may appear impersonal but some, such as www.funeralplanmarket.com, offer help over the phone with the choice of package.
At this one, you can compare over 80 plans from FPA registered companies. The prices are the same as going direct to the provider and you can find prices lower than the three nationwide biggies. For example, compared with AgeCo’s ‘Basic’ funeral/cremation plan for £2,870, MSE found an exclusive cremation plan from Memoria at £75 less and a Golden Leaves ‘Zinc’ burial plan that's £11 cheaper. You don't have to leave your contact details to get prices but if you want, you can buy through the site.
What if my preferred undertaker doesn't offer the plan I want?
A funeral plan isn’t just about price. If service and who delivers it matter and you want a particular funeral director, you should ask the undertaker if they'd accept a plan from your choice of provider even if they don't already deal with them.
Whichever plan you pick, check first it’s covered by the Funeral Planning Authority.
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Where to go for further help and free, unbiased guidance
If you need further help on funerals and their costs, you can get free and impartial guidance from the Government's Money Advice Service.
Funeral Plans Q&A
First complain to the provider itself, it should be able to resolve your issue. If you aren't happy with the resolution, you can take the complaint to the FPA if the provider is registered with it. If the complaint is for something that happens once the plan is put into action, a relative can complain, although it would normally be restricted to an executor or the relative named on the plan.
If you bought a plan with a provider that isn't registered with the FPA, then you can take your complaint further to Trading Standards or Citizens Advice.
If your complaint is about the funeral director, not the plan provider, then you can contact one of the two funeral director trade bodies, National Association of Funeral Directors (NAFD) or The National Society of Allied and Independent Funeral Directors (SAIF).
When you buy a funeral plan, you'll need to tell the provider which funeral director you want it to arrange your funeral with. So if you later move house, you'll need to see if you can change funeral directors.
Many of the plan providers will allow you to chose another funeral director should you need to, but some may charge a fee to do it, or even say you can only move within 15-20 miles from the funeral director. Check the terms of your funeral plan carefully before buying.
Some funeral plans allow you to alter your plan at any time without any administration cost. But if you want additional features added, there may be a cost for the service itself which you will need to pay. Check the T&Cs with your plan provider before buying a plan, as many of the cheapest plan options don't allow amendments once bought.
Also if you are adding extra services, it's worth checking if the amount you have paid will increase in line with inflation. If it doesn't, there's a risk your family will have to pay extra later on.
Yes, but it just might not be the funeral you want. When you die, the executors of your estate will have access to your money to arrange your funeral. If there's not enough money in your estate to pay for the funeral and if the person organising your funeral is on a low income, they may in some circumstances qualify to get a funeral payment from the Government to pay for it.
How much they get will vary depending on their circumstances, but the payments will usually cover the burial/cremation fee, cost of documents prepared, transport to the funeral, and up to £700 for other funeral director costs, such as the coffin and hearse. The funeral payment will need to be repaid, and it's usually taken from your estate before any debts or bills are repaid.
Alternatively, if there's no money in your estate or there's nobody to arrange one for you, your local council can arrange a 'public health funeral'. This will be a very basic funeral on a set day, though how the service will run varies from council to council.
If something is written in the deceased's will which is different to the funeral plan, even if the will was written before the funeral plan, what has been covered and paid for in the funeral plan will be executed unless the executors decide they want to go with the wishes in the will. Then it will be down to them to make the necessary changes and pay for any costs this may incur.
It depends. Some plan providers let you put two names on the plan you purchase – so it can be used for either person and it may not need to be the person who dies first. Other providers only allow one name on the funeral plan. If this is something you're interested in, it's best to check with the funeral plan provider.
It depends on the provider and what payment plan you've chosen. If you're paying by monthly instalments between 1-30 years, then generally you'll be given 30-60 days to make the missed payment. If you miss that, your plan will be cancelled and you'll get all your money back, minus the cancellation charge.
If you're paying by ongoing fixed monthly payments (option D in need-to-know section 7, which we warn against doing), your plan could be cancelled and you'll receive nothing back.