Funeral plans The costs of funeral plans

We looked at 25 set funeral plans from seven funeral-plan providers. We show below the cheapest and most expensive set plans from each. All are registered by the Funeral Planning Authority (bespoke plans not included). None of the plans provide headstones or memorials, though some will make provision of these and other customizations at extra cost. Golden Charter lets you choose your own funeral director; the others have a network to choose from. All providers offer: a hearse; care of body; guidance on registration and certification of death; arrangement and supervision of the funeral by the funeral director; confidential advice. 

We highlight costs of burial and cremation - shown either a contribution to burial/cremation costs or guaranteed cover of costs; whether or not the cost of purchasing a burial plot is included within the plan; whether you can make changes to the plan after purchase; hiring fees for the venue of the ceremony (if not a crematorium); removal of body (distance limits of transporting the deceased from place of death to a suitable resting place).  

We show only the main features. If you require more than is included within the package, you're likely to have to pay extra. Check whether the additional features are guaranteed or a contribution added to cover part of the cost.

Funeral Plans
PlanLump SumPrice over 60 monthsContribution to Cremation CostsContribution to Burial CostsBurial  PlotCan you make changes?Cancel Fee (£)Venue Hiring FeesRemoval of Body (miles)
Simple Funeral Plans
Age UK Emerald£2,660£3,070Guar£980aYesbYes£95No40
Bristol Funeral Directors Ltd The Simple Plan£1,540n/aNocNocNoYes£0Nould
Dignity The Chiltern£2,710£3,128Guar£980aYesbYes£395No20
Family Funerals Trust Foundation Plan£2,823en/aGuarGuarfYesYes£0Nould
Golden Charter The Popular Plan£2,650£3,463Guar£815NoYesg£199No15
Golden Leaves Simple Plan£2,485£3,137£800n/ahn/aYes20%No25
The Co-operative Funeralcare Bronze Set Funeral Plan£2,850n/aGuarGuarNoNo£250jYes50
Traditional Funeral Plans
Age UK Sapphire£3,250£3,751Guar£980aYesbYes£95No40
Bristol Funeral Directors Ltd The Windsor Plan£2,610n/aNocNocNoYes£0Nould
Dignity The Highland£3,290£3,797Guar£980aYesbYes£395No20
Family Funerals Trust Willow£3,863en/aGuarGuarfYesYes£0Yesuld
Golden Charter The Symphony Plan£3,240£4,237Guar£815NoYesg£199No15
Golden Leaves Premium Plan£3,040£3,839£800n/ahn/aYes20%No25
The Co-operative Funeralcare Gold Set Funeral Plan£3,400n/aGuarGuarNoNo£250jYes50

Table notes

  1. Contribution increases with RPI.
  2. Can be used towards the cost of plot, grave digger and church fees.
  3. Customer can add an additional amount of their choosing to the plan to contribute to third-party costs.
  4. No distance restrictions, but must be within England and Wales.
  5. Prices vary regionally. These prices include an arrangement for a cremation, and are based on an average of the prices in available areas.
  6. Prices for burials are bespoke, so will be different than stated here.
  7. You can make alterations to your plan unless you are paying by fixed monthly payments
  8. Contribution for burials and related cost to the plan are priced on an individual basis.
  9. Not applicable for fixed monthly payments.

 

Which? works for you