Funeral plans reviewed

Funeral plans

Funeral plans reviewed

By Simon Miller

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Funeral plans reviewed

Compare the cost of basic, standard and comprehensive funeral plans from providers that are members of the Funeral Planning Authority.

The table below only includes funeral plan providers that are members of the Funeral Planning Authority and not every provider in the market (bespoke plans are also excluded).

None of the plans provide headstones, memorials or burial plots, though some will make a provision for these and other customisations at an extra cost. Age UK, Dignity, The Co-operative Funeralcare and Perfect Choice have a network of funeral directors to choose from, while the remaining providers let you choose an independent funeral director that will accept the plan.

All providers in this table offer: a hearse; care of the body; guidance on registration and certification of death; arrangement and supervision of the funeral by the funeral director and confidential advice. It should be noted that the quality of coffin will range from a simple one with a basic plan, to a more expensive coffin with a comprehensive plan. All the plans, except from the The Co-operative Funeralcare, allow you to change arrangements after purchasing the plan, although this may involve extra costs.
 
Full upfront costs – what you will pay if you opt for a single payment.
Cremation costs – the amount the provider pays towards cremation. A guaranteed payment means the provider will pay the entire sum.
Burial costs - the amount the provider pays towards burial. A guaranteed payment means the provider will pay the entire sum.
Cancellation fee – the amount you will have to pay if you decide you no longer want the policy.
Following limousines – whether the provider includes following limousines as part of the funeral procession.
Viewing the body – whether the provider includes and arranges a viewing of the body as part of the funeral.
Funeral procession – whether the provider includes a funeral procession as part of the plan.

Funeral plans
  Full upfront cost Cremation costs  Burial costs Cancellation fee Removal of body (miles) Viewing the body Funeral procession
Basic funeral plans
Age UK The Ivy Plan £3,465 Guaranteed £1,200a,b £95 40 Yesc Yesd
Dignity The Amber Plan £3,535 Guaranteed £1,200a,b £395 20 Yesc Yesd
Family Funerals Trust Foundation £4,035e Guaranteed Guaranteed £100 20 No Yesf
Golden Leaves Simple Plan £3,420 £1,100a £1,100a 20% 25c No Yesd
Perfect Choice The Simple Plan £3,555 £1,150a n/ag £160 25 No Yesd
The Co-operative Funeralcare Bronze £3,265 Guaranteed Guaranteed £250h 50i Yesc Yesj
Standard funeral plans
Age UK The Holly Plan £3,815 Guaranteed £1,200a,b £95 40 Yesc Yesk
Dignity The Pearl Plan £3,885 Guaranteed £1,200a,b £395 20 Yesl Yesk
Family Funerals Trust Coloured £4,600e Guaranteed Guaranteed £100 20 Yesc Yesm
Golden Charter 50+ Standard Plan £3,525 £940 £940 £199h 15 No Yesn
Golden Charter 50+ Select Plan £3,905 £940 £940 £199h 15 Yesc Yesn
Golden Leaves Standard £3,800 £1,100a £1,100a 20% 25i Yesc Yesn
Perfect Choice The Traditional Plan £3,865 £1,150a n/ag £160 25 Yes Yesd
The Co-operative Funeralcare Silver £3,750 Guaranteed Guaranteed £250h 50i Yeso Yesj
Comprehensive funeral plans
Age UK The Rowan Plan £4,215 Guaranteed £1,200a,b £95 40 Yeso Yesk
Dignity The Diamond Plan £4,285 Guaranteed £1,200a,b £395 20 Yeso Yesk
Family Funerals Trust Willow £5,100e Guaranteed Guaranteed £100 20 Yesc Yesm
Golden Charter 50+ Premier Plan £4,239 £940 £940 £199h 15 Yesc Yesn
Golden Leaves Premium Plan £4,120 £1,100a £1,100a 20% 25i Yesc Yesn
Perfect Choice The Complete Plan £4,230 £1,150a n/ag £160 25 Yesc Yesd
The Co-operative Funeralcare Gold £4,095 Guaranteed Guaranteed £250h 50i Yeso Yesj

Click here for the full results table

Table notes

All information correct at February 2016. Plans from Family Funerals Trust can be found at both www.familyfuneralstrust.co.uk and www.lodgebros.co.uk

a Contribution increases with Retail Price Index

b Can be used towards the cost of plot, grave digger and church fees.

c During business hours

d To crematorium

e Prices vary regionally. These prices include an arrangement for a cremation, and are based on an average of the prices in available areas.

f Home to crematorium, churchyard, graveyard, or cemetery

g For plans that cover burials call provider for details

h Not applicable with fixed monthly options

i 24-hour collection

j From home/funeral home to church to crematorium

k Home to place of worship and then crematorium or burial site

l Weekdays by agreed appointment

m Home to church and then crematorium/churchyard/graveyard, cemetery

n To crematorium/cemetery

o Anytime by agreed appointment

  • Last updated: April 2016 
  • Updated by: Simon Miller