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Comparing costs of funeral plans

There are a wide variety of funeral plan providers available to you and we have compared the costs of individual funeral plans and what is included in each funeral plan.

All the funeral plan providers listed are members of the Funeral Planning Authority (FPA). The FPA is an organisation set up by the industry to regulate the UK’s prepaid funeral plan industry.

 

Compare Funeral Plans

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Price comparison and features of individual funeral plans

The table below outlines the cost and what is included in each funeral plan.

Funeral plans are presented in alphabetical order (by default) and do not constitute any form of advice. We strongly advise you to review the small print before committing to any plan, to ensure you are making the best choice for your needs.

 
Funeral plans Cost Contribution to Cremation Contribution to Burial Cancellation fee Removal of body (miles) Limousines Viewing the body Coffin Type

Avalon

Balmoral funeral plan

£3,645 £1,000 £1,000 £395 No mileage restriction No No Simple

Avalon

Highgrove funeral plan

£3,995 £1,000 £1,000 £395 No mileage restriction 1 Office Hours Quality Veneer

Avalon

Windsor Way funeral plan

£4,245 £1,000 £1,000 £395 No mileage restriction 2 Office Hours High Quality Veneer

Choice

Essentials funeral plan

£2,695 No No Not stated 25 No To be agreed with Funeral Director Light Oak Veneer

Choice

Plus funeral plan 1

£2,895 No No Not stated 25 No To be agreed with Funeral Director Light Oak Veneer

Dignity

Limited funeral plan

£2,795 Guaranteed £1,200 2 £395 50 No Office Hours Basic

Dignity

Amber funeral plan

£3,195 Guaranteed £1,200 2 £395 50 No Office Hours Wood Effect

Dignity

Pearl funeral plan

£3,550 Guaranteed £1,200 2 £395 50 1 Weekdays Quality Wood Effect

Dignity

Diamond funeral plan

£3,795 Guaranteed £1,200 2 £395 50 2 Anytime High Quality Wood Veneer

Golden Charter

Value funeral plan

£2,895 £800 £800 £249 25 No Office Hours Wood Effect

Golden Charter

Standard funeral plan

£3,495 £1100 £1100 £249 25 No Office Hours Plain Veneered

Golden Charter

Select funeral plan

£3,850 £1100 £1100 £249 25 1 24 Hours Panelled Veneered

Golden Charter

Premier funeral plan

£4,099 £1100 £1100 £249 25 2 24 Hours Solid Wood

Golden Leaves

Copper funeral plan

£1,844 £840 N/A £369 4 Not stated No No Basic

Golden Leaves

Bronze funeral plan

£2,394 No No £479 4 25 No No Basic

Golden Leaves

Zinc funeral plan

£2,859 £940 £940 £572 4 25 No No Basic

Golden Leaves

Silver funeral plan

£3,204 £940 £940 £641 4 25 No No Basic

Golden Leaves

Gold funeral plan

£3,559 £940 £940 £712 4 25 1 Yes Standard

Golden Leaves

Platinum funeral plan

£3,809 £940 £940 £762 4 25 2 Yes High Quality

Perfect Choice

Basic funeral plan

£2,535 N/A N/A £160 4 25 No Not stated Simple

Perfect Choice

Simple funeral plan

£3,605 £1,200 N/A £160 5 25 No No Simple

Perfect Choice

Traditional funeral plan

£3,915 £1,200 N/A £160 5 25 1 Yes Veneered

Perfect Choice

Complete funeral plan

£4,280 £1,200 N/A £160 5 25 2 Yes Superior Veneered

The Co-operative Funeralcare

Simple funeral plan

£2,795 5 Guaranteed Guaranteed £250 50 No Office Hours Simple

The Co-operative Funeralcare

Bronze funeral plan

£3,195 5 Guaranteed Guaranteed £250 50 No Office Hours Wood Effect

The Co-operative Funeralcare

Silver funeral plan

£3,550 5 Guaranteed Guaranteed £250 50 1 Any prearranged time Quality Wood Effect

The Co-operative Funeralcare

Gold funeral plan

£3,799 5 Guaranteed Guaranteed £250 50 2 Any prearranged time High Quality Wood Veneer

1 Choice also offer My Choice a bespoke funeral plan where you decide on the level of services you require, therefore costs vary.

2 Burial cost contribution increases each year by RP.

3 Once fixed fees are agreed and paid there should be no further funeral costs

4 After 28 days 20% of plan cost plus costs incurred in reserving a plot

5 Price shown is members price and includes a £100 online discount

Sources: Avalon website, Choice website, Dignity website, Golden Charter Golden Leaves website, Perfect Choice website, Co-operative funeral care website. Information was taken from websites on 27th September 2018. All prices and information were accurate at the time of collection. Please note that Funeral Planning Experts is an independent organisation providing information about funeral plans. This information does not constitute any recommendation on our part, nor suggest that we have a commercial relationship with any of the funeral providers listed above.


Buying a funeral plan through a reseller

The table above lists providers who offer funeral plans direct to the public. All providers we have listed are members of the Funeral Planning Authority (FPA). The FPA is an organisation set up by the industry to regulate UK funeral plan market.

When looking to purchase a funeral plan, you may also consider using a reseller. The resellers are selling the plans of the providers above, for example Sunlife resells Golden Charter funeral plans and Age UK resells Dignity funeral plans.

Many of the resellers are insurance companies who are authorised by the Financial Conduct Authority (FCA) who regulate and supervise the conduct of companies in the UK that provide financial products. Some resellers will handle your enquiry themselves, whilst others will send your details directly onto the funeral plan provider who will contact you directly. Going through a reseller should not cost you any more money as the funeral plan prices for each provider are well advertised, but it is always worth checking.

Funeral plans Cost Contribution to Cremation Contribution to Burial Cancellation fee Removal of body (miles) Limousines Viewing the body Coffin Type

The Co-operative Funeralcare

Gold funeral plan

£9,999

Plus fixed fee

Plus fixed fee3

Not stated

50

2

To be agreed with Funeral Director

High Quality Wood Veneer

Family Funerals Trust

Bespoke funeral plan

£3,940

Plus fixed fee

Plus fixed fee 3

No mileage restriction

20

No

Yes

Personalised

Golden Charter

Premier funeral plan

£3,899

£940

£940

£249

15

2

Any prearranged time

Solid Wood

Factors to consider when buying a funeral plan

A funeral plan will give you peace of mind, knowing that at least a proportion of your funeral costs are covered in advance. But you need to understand exactly what you are paying for and what still needs to be covered.

If you wish to be buried, it is unlikely the cost of a burial plot will be included within your plan. Nor will the cost of the headstone or the wake. Each of these are substantial costs in their own right and will need to be paid for.

Will you incur any additional costs if you move house? Particularly, if you move to a more expensive part of the country where services, such as Funeral Director charges, are significantly more expensive than the area you have moved from?

Many funeral plan policies only make a “contribution” towards third party fees such as crematorium or clergy fees. There is no guarantee that the contribution made will cover all the costs associated with your funeral. You need to consider whether the contribution is sufficient.

Only the insurers will offer access to the Financial Services Compensation Scheme which will protect you in the event of a business failure.

As you can see the upfront prices should not be the only determining factor; the cheaper plans may not cover all of the features you might hope for and even the more expensive plans will not cover all your funeral costs.

 

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