Funeral plans: The costs of funeral plans
Funeral plans: basic to comprehensive plans compared
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 not included).
None of the plans provide headstones, memorials or burial plots, though some will make provision of these and other customisations at extra cost. Age UK, Dignity, Co-operative and Perfect Choice have a network of funeral directors to choose from, the remaining providers will let you choose an independent funeral director that is happy to take on their plan.
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. It should be noted that the quality of coffin will range from basic with a basic plan, to a more expensive coffin with the comprehensive plans. All the plans except from the Co-operative allow you to change arrangements after purchasing the plan, this may involve extra costs if new items are added.
We highlight cover towards Third party costs for a burial or cremation and whether these are a contribution to burial/cremation costs or fully guaranteed.
We show only the main plan 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. If it is a contribution check whether this will increase with RPI.
|Lump sum||Contribution to cremation costs||Contribution to burial costs||Cancel fee||Removal of body (miles)||Following limousines||Viewing the body||Funeral procession|
|Basic funeral plans|
|Age UK Emerald||£3465||Guar||£1,310ab||£95||40||No||Yesc||Yesd|
|Dignity The Chiltern||£3,545||Guar||£1,310ab||£395||40||No||Yesc||Yesd|
|Family Funerals Trust Foundation||£4,035e||Guar||Guar||£100||20||No||No||Yesf|
|Golden Leaves Simple Plan||£3,220||£1,050a||£1,050a||20%||25c||No||No||Yesd|
|Perfect Choice The Simple Plan||£3,225||£1,100a||n/ag||£130||25||No||No||Yesd|
|The Co-operative Funeralcare Bronze||£3,265||Guar||Guar||£250h||50i||No||Yesc||Yesj|
|Standard funeral plans|
|Age UK Ruby||£3,775||Guar||£1,310ab||£95||40||1||Yesc||Yesk|
|Dignity The Malvern||£3,875||Guar||£1,310ab||£395||40||1||Yesl||Yesk|
|Family Funerals Trust Coloured||£4,600e||Guar||Guar||£100||20||1||Yesc||Yesm|
|Golden Charter 50+ Standard Plan||£3,685||£1,100p||£1,100p||£199h||15||No||No||Yesn|
|Golden Charter 50+ Select Plan||£4,065||£1,100p||£1,100p||£199h||15||1||Yesc||Yesn|
|Golden Leaves Standard||£3,600||£1,050a||£1,050a||20%||25i||1||Yesc||Yesn|
|Perfect Choice The Traditional Plan||£3,625||£1,100a||n/ag||£130||25||1||Yes||Yesd|
|The Co-operative Funeralcare Silver||£3,750||Guar||Guar||£250h||50i||1||Yesc||Yesj|
|Comprehensive funeral plans|
|Age UK Sapphire||£4,140||Guar||£1,310ab||£95||40||2||Yeso||Yesk|
|Dignity The Highland||£4,225||Guar||£1,310ab||£395||40||2||Yeso||Yesk|
|Family Funerals Trust Willow||£5,100e||Guar||Guar||£100||20||No||Yesc||Yesm|
|Golden Charter 50+ Premier Plan||£4,399||£1,100p||£1,100p||£199h||15||No||Noc||Yesn|
|Golden Leaves Premium Plan||£3,920||£1,050a||£1,050a||20%||25i||2||Yesc||Yesn|
|Perfect Choice The Complete Plan||£3,965||£1,100a||n/ag||£130||25||2||Yesc||Yesd|
|The Co-operative Funeralcare Gold||£4,095||Guar||Guar||£250h||50i||1||Yeso||Yesj|
All information correct at June 2015. Plans from Family Funerals Trust can be found at both www.familyfuneralstrust.co.uk and www.lodgebros.co.uk
- Contribution increases with Retail Price Index
- Can be used towards the cost of plot, grave digger and church fees.
- During business hours
- To crematorium
- Prices vary regionally. These prices include an arrangement for a cremation, and are based on an average of the prices in available areas.
- Home to crematorium, churchyard, graveyard, or cemetery
- For plans that cover burials call provider for details
- Not applicable with fixed monthly options
- 24 hour collection
- From home/funeral home to church to crematorium
- Home to place of worship and then crematorium or burial site
- Weekdays by agreed appointment
- Home to church and then crematorium/churchyard/graveyard, cemetery
- To crematoria/cemetery
- Anytime by agreed appointment
- Contribution rises in line with the investment performance of the funds controlled by Golden Charter
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.