Funeral plans: Funeral plans reviewed

This guide contains advice on basic to comprehensive funeral plans compared, 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 costCremation costs Burial costsCancellation feeRemoval of body (miles)Viewing the bodyFuneral procession
Basic funeral plans
Age UK The Ivy Plan£3,465Guaranteed£1,200a,b£9540YescYesd
Dignity The Amber Plan£3,535Guaranteed£1,200a,b£39520YescYesd
Family Funerals Trust Foundation£4,035eGuaranteedGuaranteed£10020NoYesf
Golden Leaves Simple Plan£3,420£1,100a£1,100a20%25cNoYesd
Perfect Choice The Simple Plan£3,555£1,150an/ag£16025NoYesd
The Co-operative Funeralcare Bronze£3,265GuaranteedGuaranteed£250h50iYescYesj
Standard funeral plans
Age UK The Holly Plan£3,815Guaranteed£1,200a,b£9540YescYesk
Dignity The Pearl Plan£3,885Guaranteed£1,200a,b£39520YeslYesk
Family Funerals Trust Coloured£4,600eGuaranteedGuaranteed£10020YescYesm
Golden Charter 50+ Standard Plan£3,525£940£940£199h15NoYesn
Golden Charter 50+ Select Plan£3,905£940£940£199h15YescYesn
Golden Leaves Standard£3,800£1,100a£1,100a20%25iYescYesn
Perfect Choice The Traditional Plan£3,865£1,150an/ag£16025YesYesd
The Co-operative Funeralcare Silver£3,750GuaranteedGuaranteed£250h50iYesoYesj
Comprehensive funeral plans
Age UK The Rowan Plan£4,215Guaranteed£1,200a,b£9540YesoYesk
Dignity The Diamond Plan£4,285Guaranteed£1,200a,b£39520YesoYesk
Family Funerals Trust Willow£5,100eGuaranteedGuaranteed£10020YescYesm
Golden Charter 50+ Premier Plan£4,239£940£940£199h15YescYesn
Golden Leaves Premium Plan£4,120£1,100a£1,100a20%25iYescYesn
Perfect Choice The Complete Plan£4,230£1,150an/ag£16025YescYesd
The Co-operative Funeralcare Gold£4,095GuaranteedGuaranteed£250h50iYesoYesj

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

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.