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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
What's included in a prepaid funeral plan? Prepaid funeral plans compared Basic prepaid funeral plans
Standard prepaid funeral plans Comprehensive prepaid funeral plans

What's included in a prepaid funeral plan?

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 tables below only include funeral plan providers that are members of the Funeral Planning Authority and not every provider in the market (bespoke plans are also excluded).

They 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.
  • Removal of the body - the distance that the funeral plan will cover when the deceased is transferred to a resting place. 
  • 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.

All information in the tables is accurate to March 2019.

Basic prepaid funeral plans

The lower cost funeral plans offered by funeral plan providers will commonly offer restrictions on the services provided and which costs will be covered.

This may include lower contributions to cremation or burial costs and less choice for the date or time of the funeral.

Limousines won't be provided for the funeral procession and there are limitations on when you can arrange a viewing of your loved one in the chapel of rest.

Plan Full
upfront cost
Cremation 
costs
 Burial 
costs
Cancellation
fee
Removal
of body
Following
limousines
Viewing
the body
Age UK 
The Basic Plan

 

More info

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: Weekdays during business hours agreed by appointment
Funeral procession: Yes - from home / funeral home directly to crematorium or burial site

£2,770 Guaranteed £1,220 £0 50 miles No Yes
Age UK 
The Ivy Plan

 

More info

Burial costs: Contribution increases with RPI
Viewing the body: Weekdays during business hours agreed by appointment
Funeral procession: Yes - from home / funeral home directly to crematorium or burial site

£3,170 Guaranteed £1,220 £0 50 miles No Yes
Avalon 
Balmoral plan

 

More info

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 and Northern Ireland
Funeral procession: Yes - from home/funeral home directly to the local crematorium or cemetery

£3,645 £1,000 £1,000 £395 No mileage restriction No No
Dignity 
The Limited Plan

 

More info

Burial costs: Contribution increases with RPI
Funeral procession: Yes - from Funeral Director's to crematorium or burial site
Viewing the body: Weekdays, 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

£2,795 Guaranteed £1,220 £249 50 miles No Yes
Dignity 
The Amber Plan

 

More info

Burial costs: Contribution increases with RPI
Funeral procession: Yes - from Funeral Director's to crematorium or burial site
Viewing the body: Weekdays, during business hours by agreed appointment

£3,195 Guaranteed £1,220 £249 50 miles No Yes
Golden Charter 
Value plan

 

More info

A restricted choice of date and time for the funeral will be available. For more detail visit funeralplan.ageuk.org.uk
Viewing the body: Use of chapel of rest or service rooms for family viewing at any pre-arranged time. Costs may apply if out-of-hours viewing is required

£2,895 £800 £800 £249 25 miles No Yes
Golden Leaves Bronze Plan

 

More info

Viewing the body: During business hours by agreed appointment
Funeral procession: Yes - from Funeral Director's to crematorium or burial site

£2,394 None None £479 25 miles No Yes
Memoria 
eTraditional

 

More info

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

£3,295 Guaranteed n/a £615 No mileage
restriction
No Yes
The Co-operative Funeralcare
Simple

 

More info

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

£3,295 Guaranteed Guaranteed £250 50 miles No Yes
The Co-operative Funeralcare
Bronze

 

More info

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

£3,595 Guaranteed Guaranteed £250 50 miles No Yes

Standard prepaid funeral plans

Standard funeral plans will generally provide a limousine for the funeral procession or a higher contribution to the cost of the burial and cremation costs, along with the cover provided by a basic plan.

Plan Full
upfront cost
Cremation 
costs
 Burial 
costs
Cancellation
fee
Removal
of body
Following
limousines
Viewing
the body
Age UK 
The Holly Plan

 

More info

Burial costs: Contribution increases with RPI
Viewing the body: Weekdays at any time by agreed appointment
Funeral procession: Yes - from home / funeral home to service location, then onto a crematorium or burial site

£3,525 Guaranteed £1,220 £0 50 miles 1 Yes
Avalon 
Highgrove plan

 

More info

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 and Northern Ireland
Viewing the body: During business hours by agreed appointment
Funeral procession: Yes - from home/funeral home directly to the local crematorium or cemetery

£3,995 £1,000 £1,000 £395 No mileage
restriction
1 Yes
Dignity 
The Pearl Plan

 

More info

Burial costs: Contribution increases with RPI
Viewing the body: Weekdays, any times by agreed appointment
Funeral procession: Yes - To a service location, then onto the crematorium or burial site

£3,550 Guaranteed £1,220 £249 50 miles 1 Yes
Golden Charter 
Standard Plan

 

More info

Funeral procession: Yes - from Funeral Director's to crematorium or burial site
Viewing the body: Use of chapel of rest or service rooms for family viewing at any pre-arranged time. Costs may apply if out-of-hours viewing is required

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

 

More info

Viewing the body: Use of chapel of rest or service rooms for family viewing at any pre-arranged time. Costs may apply if out-of-hours viewing is required
Funeral procession: Yes - from Funeral Director's to crematorium or burial site

£3,850 £1,100 £1,100 £249 25 miles 1 Yes
Golden Leaves 
Silver Plan

 

More info

Cremation costs: Contribution increases with RPI
Burial costs: Contribution increases with RPI
Burial costs: This amount will be in line with the national average cost of cremation fees.
Viewing the body: During business hours by agreed appointment
Funeral procession: Yes - from Funeral Director's to crematorium or burial site

£3,364 Guaranteed See More info £673 25 miles No Yes
Memoria 
eTraditional Plus

 

More info

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

£3,495 Guaranteed n/a £615 No mileage
restriction
1 Yes
The Co-operative Funeralcare 
Silver

 

More info

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

£3,950 Guaranteed Guaranteed £250 50 miles 1 Yes

Comprehensive prepaid funeral plans

The high-end funeral plans will offer two limousines and more flexibility in when you can arrange a viewing of your loved one.

They also offer the ability to make additional contributions towards Special Requests during the lifetime of the plan, and complimentary thank you cards at the service.

Plan Full
upfront cost
Cremation 
costs
 Burial 
costs
Cancellation
fee
Removal
of body
Following
limousines
Viewing
the body
Age UK 
The Rowan Plan

 

More info

Burial costs: Contribution increases with RPI
Viewing the body: Any time by agreed appointment
Funeral procession: Yes - from home / funeral home to service location, then onto a crematorium or burial site

£3,770 Guaranteed £1,220 £0 50 miles 2 Yes
Avalon 
Windsor Way plan

 

More info

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 and Northern Ireland
Viewing the body: During business hours by agreed appointment
Funeral procession: Yes - from home/funeral home directly to the local crematorium or cemetery

£4,245 £1,000 £1,000 £395 No mileage
restriction
2 Yes
Dignity 
The Diamond Plan

 

More info

Burial costs: Contribution increases with RPI
Viewing the body: Any time, 24/7, by agreed appointment
Funeral procession: Yes - To a service location, then onto the crematorium or burial site

£3,795 Guaranteed £1,220 £249 50 miles 2 Yes
Golden Charter 
Premier Plan

 

More info

Viewing the body: Use of chapel of rest or service rooms for family viewing at any pre-arranged time. Costs may apply if out-of-hours viewing is required
Funeral procession: Yes - from Funeral Director's to crematorium or burial site

£4,099 £1,100 £1,100 £249 25 miles 2 Yes
Golden Leaves 
Gold Plan

 

More info

Cremation costs: Contribution increases with RPI
Burial costs: Contribution increases with RPI
Burial costs: This amount will be in line with the national average cost of cremation fees.
Viewing the body: During business hours by agreed appointment
Funeral procession: Yes - from Funeral Director's to crematorium or burial site

£3,719 Guaranteed See More info £744 25 miles 1 Yes
Golden Leaves 
Platinum Plan

 

More info

Cremation costs: Contribution increases with RPI
Burial costs: Contribution increases with RPI
Burial costs: This amount will be in line with the national average cost of cremation fees.
Viewing the body: During business hours by agreed appointment
Funeral procession: Yes - from Funeral Director's to crematorium or burial site

£3,969 Guaranteed See More info £794 25 miles 2 Yes
Memoria 
eTraditional Extra

 

More info

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

£3,745 Guaranteed n/a £895 No mileage
restriction
2 Yes
The Co-operative Funeralcare 
Gold

 

More info

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

£4,199 Guaranteed Guaranteed £250 50 miles 2 Yes

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