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Funeral plans reviewed

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

In this article
Prepaid funeral plans: what is included Prepaid funeral plans compared

Prepaid funeral plans: what is included

None of the prepaid funeral 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.

Prepaid funeral 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 excluded).

It will show you the following 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) Following limousines Viewing the body
Basic funeral plans
Age UK The Basic Plan £2,995 Guaranteed £1,220 £0 50 No Yes

A restricted choice of date and time for the funeral will be available. For more detail visit funeralplan.ageuk.org.uk

Burial costs: Contribution increases with RPI

Viewing the body: During business hours agreed by appointment

Funeral procession: Yes - from Funeral Director's to crematorium or burial site

Age UK The Ivy Plan £3,395 Guaranteed £1,220 £0 50 No Yes

Burial costs: Contribution increases with RPI

Viewing the body: During business hours agreed by appointment

Funeral procession: Yes - from Funeral Director's to crematorium or burial site

Avalon Balmoral plan £3,645 £1,000 £1,000 £395 No mileage restriction No No

Cremation costs: Contribution increases annually on 1st July in line with increases in CPI

Burial costs: Contribution increases annually on 1st July in line with increases in CPI

Removal of body: UK mainland

Funeral procession: Yes - Yes - Funeral procession from home/funeral home/church to crematorium/churchyard/graveyard/cemetery

Dignity The Limited Plan £3,095 Guaranteed £1,220 £395 50 No Yes

Burial costs: Contribution increases with RPI

Funeral procession: Yes - from Funeral Director's to crematorium or burial site

Viewing the body: During business hours by agreed appointment

A restricted choice of date and time for the funeral will be available. For more detail visit www.dignityfunerals.co.uk

Dignity The Amber Plan £3,495 Guaranteed £1,220 £395 50 No Yes

Burial costs: Contribution increases with RPI

Funeral procession: Yes - from Funeral Director's to crematorium or burial site

Viewing the body: During business hours by agreed appointment

Golden Charter Value plan £2,895 £700 £700 £249 15 No Yes

Cremation costs: Contribution increases with RPI

Burial Costs: Contribution increases with RPI

Viewing the body: During business hours by agreed appointment

Golden Leaves Bronze Plan £2,394 None None £479 25 No Yes

Viewing the body: During business hours by agreed appointment

Funeral procession: Yes - from Funeral Director's to crematorium or burial site

Perfect Choice The Simple Plan £3,605 £1,200 n/a £160 25 No No

Cremation costs: Contribution increases with RPI

Burial costs: For plans that cover burials call provider for details 0800 055 6503

Funeral procession: Yes - from Funeral Director's to nearest crematorium

Memoria eTraditional £3,295 Guaranteed n/a £615 No mileage restriction No Yes

Memoria Plans are administered by Ecclesiastical Planning Services, a member of the FPA and are available in England, Scotland and Wales

Available from funeralplanmarket.com

The time of the funeral service is mutually agreed between funeral director and family

Cremation costs: Cremation fees, minister/celebrant fees & doctors’ fees all included and guaranteed

Burial costs: Cremation only plan

Funeral procession: Yes - route agreed with family to crematorium

Viewing the body: Anytime by agreed appointment

The Co-operative Funeralcare Simple £2,945 Guaranteed Guaranteed £250 50 No Yes

A restricted choice of date and time for the funeral will be available

Burial costs: Does not include the purchase of a grave

Viewing the body: During business hours

Funeral procession: Yes - Directly to crematorium or place of burial from funeral home only

The Co-operative Funeralcare Bronze £3,325 Guaranteed Guaranteed £250 50 No Yes

Burial costs: Does not include the purchase of a grave

Viewing the body: During business hours

Funeral procession: Yes - Client flexibility to choose route from home/funeral home/church to crematorium/church and graveyard/cemetery

Standard funeral plans
Age UK The Holly Plan £3,775 Guaranteed £1,220 £0 50 1 Yes

Burial costs: Contribution increases with RPI

Viewing the body: Weekdays at any time

Funeral procession: Yes - from home to service location, then onto a crematorium or burial site

Avalon Highgrove plan £3,995 £1,000 £1,000 £395 No mileage restriction 1 Yes

Cremation costs: Contribution increases annually on 1st July in line with increases in CPI

Burial costs: Contribution increases annually on 1st July in line with increases in CPI

Removal of body: UK mainland

Viewing the body: During business hours by agreed appointment

Funeral procession: Yes - Funeral procession from home/funeral home/church to crematorium/churchyard/graveyard/cemetery

Dignity The Pearl Plan £3,875 Guaranteed £1,220 £395 50 1 Yes

Burial costs: Contribution increases with RPI

Viewing the body: During business hours by agreed appointment

Funeral procession: Yes - To a service location, then onto the crematorium or burial site

Golden Charter Standard Plan £3,495 £1,100 £1,100 £249 25 No Yes

Cremation costs: Contribution increases with RPI

Burial Costs: Contribution increases with RPI

Funeral procession: Yes - from Funeral Director's to crematorium or burial site

Viewing the body: During business hours

Golden Charter Select Plan £3,850 £940 £940 £249 15 1 Yes

Cremation costs: Contribution increases with RPI

Burial costs: Contribution increases with RPI

Viewing the body: Any Pre-Arranged Time

Funeral procession: Yes - from Funeral Director's to crematorium or burial site

Golden Leaves Silver Plan £3,204 £940 £940 £641 25 No Yes

Cremation costs: Contribution increases with RPI

Burial costs: Contribution increases with RPI

Viewing the body: During business hours by agreed appointment

Funeral procession: Yes - from Funeral Director's to crematorium or burial site

Perfect Choice The Traditional Plan £3,915 £1,200 n/a £160 25 1 Yes

Cremation costs: Contribution increases with RPI

Burial costs: For plans that cover burials call provider for details 0800 055 6503

Funeral procession: Yes - from Funeral Director's to nearest crematorium

Memoria eTraditional Plus £3,495 Guaranteed n/a £615 No mileage restriction 1 Yes

Memoria Plans are administered by Ecclesiastical Planning Services, a member of the FPA and are available in England, Scotland and Wales

Available from funeralplanmarket.com

The time of the funeral service is mutually agreed between funeral director and family

Cremation costs: Cremation fees, minister/celebrant fees & doctors’ fees all included and guaranteed

Burial costs: Cremation only plan

Funeral procession: Yes - route agreed with family to crematorium

Viewing the body: Anytime by agreed appointment

The Co-operative Funeralcare Silver £3,660 Guaranteed Guaranteed £250 50 1 Yes

Burial costs: Does not include the purchase of a grave

Viewing the body: Subject to pre-arranged appointment

Funeral procession: Yes - Client flexibility to choose route from home/funeral home/church to crematorium/churchyard/graveyard/cemetery 

Comprehensive funeral plans
Age UK The Rowan Plan £4,035 Guaranteed £1,220 £0 50 2 Yes

Burial costs: Contribution increases with RPI

Viewing the body: Any time by agreed appointment

Funeral procession: Yes - from home to service location, then onto a crematorium or burial site

Avalon Windsor Way plan £4,245 £1,000 £1,000 £395 No mileage restriction 2 Yes

Cremation costs: Contribution increases annually on 1st July in line with increases in CPI

Burial costs: Contribution increases annually on 1st July in line with increases in CPI

Removal of body: UK mainland

Viewing the body: During business hours by agreed appointment

Funeral procession: Yes - Funeral procession from home/funeral home/church to crematorium/churchyard/graveyard/cemetery

Dignity The Diamond Plan £4,135 Guaranteed £1,220 £395 50 2 Yes

Burial costs: Contribution increases with RPI

Viewing the body: Any time by agreed appointment

Funeral procession: Yes - To a service location, then onto the crematorium or burial site

Golden Charter Premier Plan £4,099 £1,100 £1,100 £249 25 2 Yes

Cremation costs: Contribution increases with RPI

Burial costs: Contribution increases with RPI

Viewing the body: Any Pre-Arranged Time

Funeral procession: Yes - from Funeral Director's to crematorium or burial site

Golden Leaves Gold Plan £3,559 £940 £940 £712 25 1 Yes

Cremation costs: Contribution increases with RPI

Burial costs: Contribution increases with RPI

Viewing the body: During business hours by agreed appointment

Funeral procession: Yes - from Funeral Director's to crematorium or burial site

Golden Leaves Platinum Plan £3,809 £940 £940 £762 25 2 Yes

Cremation costs: Contribution increases with RPI

Burial costs: Contribution increases with RPI

Viewing the body: During business hours by agreed appointment

Funeral procession: Yes - from Funeral Director's to crematorium or burial site

Perfect Choice The Complete Plan £4,280 £1,200 n/a £160 25 2 Yes

Cremation costs: Contribution increases with RPI

Burial costs: For plans that cover burials call provider for details 0800 055 6503

Funeral procession: Yes - from Funeral Director's to nearest crematorium

Memoria eTraditional Extra £3,795 Guaranteed n/a £895 No mileage restriction 2 Yes

Memoria Plans are administered by Ecclesiastical Planning Services, a member of the FPA and are available in England, Scotland and Wales

Available from funeralplanmarket.com

The time of the funeral service is mutually agreed between funeral director and family

Cremation costs: Cremation fees, minister/celebrant fees & doctors’ fees all included and guaranteed

Burial costs: Cremation only plan

Funeral procession: Yes - route agreed with family to crematorium

Viewing the body: Anytime by agreed appointment

The Co-operative Funeralcare Gold £3,899 Guaranteed Guaranteed £250 50 2 Yes

Burial costs: Does not include the purchase of a grave

Viewing the body: Any time by agreed appointment

Funeral procession: Yes - Client flexibility to choose route from home/funeral home/church to crematorium/churchyard/graveyard/cemetery

Table notes:
All information correct: June 2018.