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Cost of funerals

Figures from the International Longevity Centre - the UK’s leading think tank on longevity and demographic change - estimates that the average price of a funeral is currently around £3,693 and this could jump to as much as £5,226 by 2020. The think tank claims that this would be the cost of covering the basics alone and extras could drive the price to £7,000 or above.

Whilst thinking about death can be unpleasant, it’s important to prepare for the future to protect yourself and your loved ones from the rising costs of funerals.

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costs rise

Costs continue to rise

The cost of funerals has soared by as much as 90 per cent in the last decade and are continuing to rise.

Separate research from the University of Bath’s Institute for Policy Research suggests that around 100,000 people struggle to pay for their funeral every year, with this worry then being passed on to grieving families if it’s not taken care of beforehand.

The report highlights that many families experience a shortfall of £1,277, suggesting that ‘funeral poverty’ affects 50 per cent more people than it did three years ago.

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What do you have to pay for?

If there is no prepaid funeral plan or life insurance policy in place, the fees and charges attached to a funeral will be deducted from the deceased’s estate and if there is still more to pay, the responsibility falls to the next of kin.

To arrange a funeral, you will need to contact a Funeral Director. You will be given an estimate of the overall cost and this will include funeral director fees and disbursements - which are payments they make on your behalf to third parties.

Plus, additional costs you need to consider include:

  • Looking after the deceased until the funeral
  • Funeral cars and staff
  • Professional services, including advice and time working with third parties
  • Doctor’s fees
  • Crematorium and/or church or cemetery
  • Costs of the coffin or casket

The disbursements made on your behalf can also include:

  • Minister, celebrant or officiant fees
  • Charges for doctors' cremation forms
  • Charges for removal of a pacemaker etc
  • Organist
  • Florist
  • Obituary
  • Catering arrangements
  • Burial plot
  • Headstone

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Protect your family

Protect your family

Thinking about your future now is the best way to ensure your family isn’t left facing a bill when they should just be able to spend time grieving for you. Arranging a prepaid funeral plan is the perfect way to make sure all costs are covered and your wishes are respected.

You can choose from a myriad of reputable companies that specialise in providing prepaid funeral packages that can cater to your needs no matter what your budget is. You will be able to decide on what type of funeral you would like, whether you want to be cremated or buried and what you’d like your service to include.

Prepaid funeral providers will also allow you to spread the cost of your package, meaning it should be paid off by the time it is needed. You can secure the funeral you want at today’s prices, whilst taking away all the stress and worry from your family and friends.


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