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
|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|
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
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