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Funeral plan provider Safe Hands has gone into administration – what to do now if you have a prepaid plan with Safe Hands or others

Safe Hands, a prepaid funeral plan provider, has fallen into administration leaving thousands of customers worried about what to do next and concerns growing that other companies will follow suit. Here's what it means for you, as well as a warning on other prepaid funeral plan providers. 

Updated 28 July 2022: The FCA, the UK's financial regulator, has announced it will not be authorising One Life Funeral Planning Ltd, as the company does not meet the new regulatory standards. The company has until 31 October to transfer its customers to another provider or provide them with refunds. It will be able to carry out funerals for existing customers until 31 October but cannot sell any new funeral plans. The FCA is urging consumers not to buy a funeral plan from this firm. 

Updated 25 July 2022: The FCA, the UK's financial regulator, has published a list of all those firms who will not be authorised to trade from 29 July. Do not buy a prepaid funeral plan from any of these firms. If you already have a plan with one, contact your provider as soon as possible to find out what you should do next.

Updated 7 July 2022: Funeral plans provider Not For Profit Funeral Plans Limited is to go into liquidation with all existing customer plans terminated. If you need a funeral arranging now, the company recommends emailing for details on what to do. See below for more details.

Update: 5 July 2022: Ready4Retirement has ceased trading and its customers are being contacted by the company's liquidators, Begbies Traynor. If you bought your funeral plan from the company before 24 August 2020, you won't be affected. For all other customers, see details below.

Update: 17 June 2022: The FCA, the UK's financial regulator, has announced the list of 24 funeral plan providers it intends to authorise on 29 July. If your plan provider is not on this list, check the status of its application here and contact your provider as soon as possible for more information. 

Update: 31 May 2022: The FCA has issued a warning advising people not to buy a prepaid funeral plan from:

  • Empathy Funeral Plans UK Limited.
  • Fox Milton & Co Limited, trading as Unique Funeral Plans.

If you are already a customer of either of these companies, the Financial Conduct Authority (FCA) recommends you contact the firm in question as soon as possible. More details can be found on the FCA's website.

Empathy Funeral Plans told us that while it has stopped selling new plans, it is continuing to honour existing plans for now, and is in active discussions with larger funeral plan providers to transfer these over on a longer-term basis.  

We've contacted Fox Milton and Co Limited and will update this story if we get a response. 

The collapse of Safe Hands comes after the Financial Conduct Authority (FCA) said it would start regulating firms that provide and arrange prepaid funeral plans from 29 July 2022. If a funeral plan provider does not meet the requirements set by the FCA, they will no longer be allowed to sell plans or carry out funerals.

See our Prepaid funeral plans guide for info on what they are and whether you should buy one. 

Safe Hands customers should cancel direct debits and be wary of scam callers

Safe Hands has said that no further direct debit or standing order instalments will be collected and all contracts are considered cancelled. But customers should still cancel their direct debit or standing order with immediate effect, as any payments made now may not be refunded. 

In terms of arranging a funeral and/or being refunded fees already paid, what action to take depends on whether you need to organise a funeral urgently:  

  • If you need to organise a funeral now, contact Dignity Funerals Limited. Dignity has agreed with Safe Hands' administrator, FRP Advisory, to provide funeral care arrangements for existing Safe Hands customers who need them for the next six months. You can contact it on 0800 640 9928. The administrator has confirmed that Safe Hands customers won't face any additional fees for this service.

    Dignity are working with the administrator, the regulator and others to find a long term solution. Other funeral providers are also offering their services to Safe Hands customers but this is not via the administrator and there will be additional costs involved. 

  • If you don't need to arrange a funeral urgently, you may need to make a claim as a creditor to Safe Hands' administrator FRP Advisory to try to get your money back. Safe Hands does not have the funds to provide refunds so it is exploring the possibility of transferring funeral plans to an alternative provider. If this isn't possible, you'll need to claim as a creditor - customers are being contacted by post with details of how to do so, though you'll only receive a partial refund.

    If you paid for any part of your funeral plan by credit card, you may, however, be able to reclaim costs under Section 75 of the Consumer Credit Act 1974 instead.  

If you’re called by someone claiming to be from Safe Hands Plans, FRP Advisory or any other company claiming to be involved in the administration, don't give out any information, as it could be a scam. Instead, hang up and call the freephone helpline of the administrators (Monday to Friday 9am-5pm) on 0800 640 9928, or email

Ready4Retirement and Not for Profit Funeral Plans Limited go into liquidation

On 5 July 2022, Ready4Retirement ceased trading and the company's liquidators, Begbies Traynor are contacting its customers. If you bought your funeral plan from the company before 24 August 2020, you won't be affected. 

Most customers who bought plans on or after 24 August 2020 will have their plans transferred to provider Low Cost Funeral, on the same terms.  However, some will be offered the option of paying for a new, discounted plan with Low Cost Funeral but those customers needing a funeral up to 28 July will have it paid for in full.

Families of plan holders who need a funeral arranged now (up to 28 July 2022) should contact Low Cost Funeral on 0800 007 3604. See the Ready4Retirement website for more details, or contact the liquidator on 0141 222 2230.

On 7 July 2022, Not For Profit Funeral Plans Limited also announced it will shortly go into liquidation and all existing customer plans have been terminated. Three other regulated funeral plan providers are offering to provide a free or heavily discounted funeral for any plan holders that pass away in the immediate future. But it's unlikely that this will be a long-term solution.

The company is recommending its customers contact or phone 023 8033 6464 for more details of how to make a claim, although it is unlikely any monies will be refunded.

If you paid by credit or debit card you may be able to make a Section 75 claim. If you paid for your plan by bank transfer, cash or cheque you should email

The latest on funeral plan providers that will not be authorised 

The FCA has published a list detailing which firms will not be authorised on 29 July. If your funeral plan is with one of these companies, get in touch with your current provider for more information. If you're thinking of buying a plan, do not do so until a firm has confirmed its authorisation status. The FCA has announced which firms it intends to authorise on 29 July. These can be found here.

If your firm isn't authorised you'll have no protection if something goes wrong

Unfortunately, you’ll have no protection from the Financial Service Compensation Scheme (FSCS) if your funeral plan provider goes into administration before 29 July, or if it has its FCA application refused.

If you paid for any part of your funeral plan by credit card, you may be able to claim under Section 75 of the Consumer Credit Act 1974.

The FCA adds that it is working with funeral plan providers to ensure customers’ plans are transferred to another provider before 29 July, if the company is unlikely to receive authorisation.

In the meantime, industry trade body the Funeral Planning Authority (FPA) said: "We would absolutely echo the FCA’s advice to get in touch with your firm and seek assurances as to what their plans are for post 29 July 2022. 

"Where they are unable to provide a clear answer we would be very wary about making further payments. However, being specific about whether it is a good idea for people to stop payments is difficult, as it will depend on what that means for any individual plan."

Thinking of taking out a prepaid funeral plan? It may be best to wait until on or after 29 July

This is because firms will be required to meet higher standards from this point once regulated by the FCA. 

If you don't want to wait until then, the FCA has published information encouraging consumers to look carefully at what plans provide and whether they have any extra charges.

As a minimum, you should make sure the provider is registered with the Funeral Planning Authority, which provides non-compulsory regulation; providers that sign up have to adhere to certain rules and a code of practice. You should also check the status of a provider's application to the FCA – don't buy a plan from a provider if its status is "not applying for authorisation", "application refused" or "application withdrawn".

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