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A funeral plan to suit you

Prepaid funeral plans are a great way to protect yourself and your loved ones from the rising costs of a final farewell.

When you come to purchase your funeral plan, there are several options for you to consider, such as how you would like to pay or what you’d like your plan to include. Typically, funeral plan providers offer you three or four tiers of cover, each with distinctive benefits.

Each funeral plan provider will offer similar coverage under each tier, but it is worth reading the small print before you make any final decision on your funeral plan.

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Overview of typical funeral plan levels

Companies will give these classifications different names, but they usually fall under titles like 'bronze', 'silver' and 'gold' - with the latter being the most premium level of cover.

Bronze

Basic cover

Being the first rung on the ladder, this type of prepaid funeral plan will cover the basics that you need and is unlikely to include any extras.

  • This type of package should include:
  • Funeral Director services
  • Hearse
  • Collection & transportation to Funeral Director
  • Caring & preparation of the deceased
  • Supply of Simple coffin
  • Procession to the burial or cremation site (fixed route)
  • Allowance towards disbursements

  • Bronze cover is unlikely to include:
  • Viewing of the deceased
  • Limousines following the hearse
  • Flowers
  • Special additions to the service, such as a choir/organist
  • Complimentary “Thank you” cards
  • Bereavement support helpline
  • Catering
  • Burial plot
  • Headstone

Silver

Standard cover

This level of cover will provide everything needed for a respectful and dignified funeral with a few added touches.

  • This type of package should include:
  • Funeral Director services
  • Hearse
  • Collection & transportation to Funeral Director
  • Caring & preparation of the deceased
  • Quality coffin
  • Procession to the burial or cremation site (fixed route)
  • Allowance towards disbursements
  • Viewing of the deceased (office hours)
  • Limousines following the hearse

  • Silver cover is unlikely to include:
  • Flowers
  • Special additions to the service, such as a choir/organist
  • Complimentary “Thank you” cards
  • Bereavement support helpline
  • Catering
  • Burial plot
  • Headstone

Gold

Comprehensive cover

This top level of cover will provide premium benefits on top of what's included in the bronze and silver cover.

  • This type of package should include:
  • Funeral Director services
  • Hearse
  • Collection & transportation to Funeral Director
  • Caring & preparation of the deceased
  • Quality coffin
  • Procession to the burial or cremation site (fixed route)
  • Allowance towards disbursements
  • Viewing of the deceased (flexible hours)
  • Two or more limousines following the hearse
  • Flowers
  • Special additions to the service, such as a choir/organist
  • Complimentary “Thank you” cards
  • Bereavement support helpline

  • Gold cover is unlikely to include:
  • Catering
  • Burial plot
  • Headstone

Bespoke funerals

In addition to offering the essential funeral basics outlined in the tiered plans, most funeral plan providers can also assist you in creating a funeral that truly reflects your passions in life.

More and more people are taking the time in creating their own personal send off. Whether you want a themed funeral based on travel, music, football or fashion or just want people to dress in a particular colour, you can outline your specific requirements and get the funeral you want.

The more you get under your policy, the more expensive it will be, so keep that in mind.

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