Funeral Planning - Let's have the conversation no one wants!

Quite simply, a funeral plan lets you choose the type of funeral you want and – most importantly – pay for it in advance.

This protects you and your loved ones from rising funeral costs and takes away the stress and worry of arranging your funeral at a time which is already emotional for your family.

Arranging and paying for your Funeral in advance will help you to do the right thing by both you and your family. We’ll help you arrange all the essentials, so that your loved ones don’t have to deal with everything.

Making your arrangements today ensures that you fix your costs at today's prices and protecting your family from rising costs.

Your plan guarantees the Funeral Director’s services at no extra cost to you or your next of kin, providing your plan is fully paid and the funeral is carried out by the Funeral Director allocated. Your plan also includes an allowance towards the disbursements cost. The Funeral Director and the disbursements allowance are stated on your plan certificate. Your plan will also include any additional services you’ve selected and have made payment for or are making payments for.

If you purchased a plan with a Fixed Monthly Payment (insurance policy) your payments must be up to date and you must have had your plan for a minimum period of 2 years to use the plan.

The range of funeral plans does not include additional services that you may have requested but have not or are not making payments for (such as funeral flowers, obituary notices, memorials or a wake).

For the funeral plans, there is a disbursement allowance of £1,000 plus annual uplifts in Consumer Price Index (CPI). The funeral plan does not include disbursement costs above this allowance.

If you choose one of our funeral plans for burial, the plan does not include the purchase of a burial plot.

If you die outside the UK mainland or Northern Ireland, the plan does not include the cost of repatriation (although if you require this arrangements can be made).

Our Cremation Only Plan does not include a service. It is a simple, unattended send-off without a service or mourners. The Cremation Only Plan includes the collection of the deceased in a suitable dignified vehicle from the place of death, the provision of a standard coffin, and all third-party costs covered.

Yes, you can add items to our set plans and Build Your Own plan for an extra cost, e.g. a church service. 

Our Cremation Only plan is a set price plan and cannot be added to.

For extra peace of mind, if you choose to pay for your funeral plan by instalments over two or more years, if you die before all your instalments have been made, we can cover the costs of all the services included in your chosen plan.

This offer comes into effect when your plan has been in place for 12 months, subject to the terms and conditions.

If your plan is not covered and you die before all instalments have been paid, your representative will have two options. They can either pay the outstanding balance before the funeral, or cancel the plan in writing and we will return all payments, less a cancellation fee.

Yes, you can buy a plan for someone else, and many of our customers have bought a plan for another family member.

Yes, you can make a record of any personal requests, such as music, dress code and personal themes you may like at your funeral, and we will pass these on to the Funeral Director at the time of need.