Compare Funeral Plan Quotes

  • Protect loved ones from unexpected costs
  • Lock-in today’s price for your key services
  • No medical questions (guaranteed acceptance)
  • Choice of funeral plans and payment options
  • Funeral Planning Authority (FPA) regulated
  • Prices from £19.11* a month
Compare funeral plan quotes summary

A prepaid funeral plan protects your loved ones from rising funeral costs in the UK.

The average cost of a funeral is currently £4,184 but this could be more than £5,000 in just five years' time[1].

You can compare free funeral plan quotes using our award-winning broker service.

Reassured are also here to help answer any questions you may have and guide you through the process of setting up your plan.

Get in touch with our friendly team to secure your ideal funeral plan at today’s prices.

What is a funeral plan?

A funeral plan is a way of paying for your key funeral services in advance and at today’s price.

It protects loved ones from unforeseen costs and ensures there’s no confusion over your final wishes.

You can select a plan that suits your needs and budget and make the arrangements for your final send-off ahead of time.

Are funeral plans a good idea?

Funeral plans are a good idea for many people, even those who already have life insurance in place.

Some reasons why a funeral plan may be a good idea for you include:

Peace of mind

The average cost of a standard funeral in the UK is more than £4,000, a considerable sum for most families to find for unexpected funeral expenses.

A funeral plan can bring peace of mind knowing that your funeral is arranged and paid for in advance, and at a reasonable price.

Lock-in today’s funeral costs

Funeral costs are climbing faster than inflation every year (up 128% since 2004). It’s predicted that this rising trend will continue.

With a funeral plan, your funeral services are guaranteed at today’s rate and won’t cost any more when they need to be carried out, even if prices have risen.

Arrange your own funeral

Make all the decisions in advance so that your family don’t have to during a difficult time.

With a funeral plan you can also record your final wishes and make special requests, providing some comfort for your family who can fulfil these when the time comes.

Cost of funerals infographic desktop

How much does a funeral cost in your area?

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Average funeral cost

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Avoid rising funeral costs. Protect loved ones. Buy a funeral plan today.

This calculator uses data from the SunLife Cost of Dying Report 2021 and should only be used as a guide.

How do funeral plans work?

Funeral plans work differently from life insurance because they guarantee to cover your funeral costs, instead of providing a cash pay out.

Here’s how a funeral plan works:

  1. Choosing your plan - Think about your budget and which services you want covered. Compare a few options. Decide whether it will be a cremation or burial funeral
  2. Choose how you want to pay from flexible payment options - Either in one single payment or by monthly instalments
  3. Setting up your plan - When using a broker, such as Reassured, they’ll set up the plan on your behalf and have the paperwork sent out to you
  4. Funds are protected - Your money is paid into in a life insurance policy or independent trust fund and will be safe until it’s needed to cover your funeral
  5. Inform your loved ones about your plan - When the time comes, they just need to make a call to the provider who’ll take care of everything from there

Make the most of our fee-free service to compare funeral plan prices and features, allowing you to make a fully informed decision.

How much is a funeral plan?

Funeral plans arranged through Reassured cost from as little as £3,020 in full or from £19.11* a month.

However, how much a plan costs overall depends on the level of service you choose and the plan provider.


Here’s an example of some funeral plan prices in the UK:

  Basic plans Standard plans Mid-level plans Comprehensive plans
Co-op £3,020^ £3,470 £3,870 £4,170
Dignity £3,095 £3,495 £3,850 £4,195
Avalon £3,645 £3,995 N/A £4,245
Golden Charter £3,089 £3,594 £3,949 £4,199

The information in this table was taken from the separate providers' websites and is accurate as at 19/05/2021
Please note, Reassured doesn't arrange funeral plans on behalf of all the providers compared above
^Co-op prices include a discount of up to £125 available to Co-op members through Reassured

Flexible payment options

Funeral plans arranged through Reassured offer a choice of payment options.

You can either pay in full (one single payment) or spread the cost in affordable monthly instalments up to a maximum age limit, which is usually 80.

Paying in full or by monthly instalments up to 12 months won’t incur any additional charges.

Paying by monthly instalments for more than 12 months will incur additional instalment charges.

If you choose to pay for your plan by monthly instalments over a period of more than 12 months and pass away after the first 12 months of the plan, but before it’s been paid in full, then your loved ones won’t need to pay the remaining balance.

Your funeral services will still be carried out as set out in your plan.

Get in touch with Reassured to learn more about our flexible payment options.

What does a funeral plan cover?

A funeral plan covers the key elements of a cremation or burial funeral.

Items and services covered as standard include:

  • Collection, care and preparation of the deceased
  • Family viewing at the chapel of rest
  • Coffin
  • Hearse or alternative vehicle
  • Cortege route to the funeral home
  • Funeral personnel
  • Family support and assistance provided by a funeral director
  • Free bereavement assistance
  • Full personalisation of the plan

As well as these standard services, each plan will offer a certain level of cover for third-party fees.

These are:

  • Cremation or burial fees
  • Minister or celebrant fees (to lead a full-length ceremony)
  • Doctors’ fees (to sign the medical certificate)

For more information on what’s included in each of the funeral plans we offer, simply use our fee-free comparison service.

Funeral plan comparison

When looking for the right funeral plan, it’s important to compare the options available.

This is because each plan covers a different set of services and prices vary between providers.


Below is a comparison of some of the UK’s largest funeral plan providers:

  Co-op Dignity Avalon Golden Leaves
How much are their plans? From £3,020 From £3,095 From £3,645 From £3,089
What's their Fairer Finance star rating? 5 stars 3 and 4 stars 2 and 3 stars 1 and 2 stars
Are funeral director services guaranteed at today's price? Yes Yes Yes Yes
Are cremation fees covered in full or will there be a contribution towards these? Yes. Gold & Silver plans guarantee cremation fees. Limited & Bronze plans include contribution of £950 or £1,100 respectively Yes Up to £1,000 contribution towards cremation fees Yes. Silver & Gold plans guarantee cremation fees. Zinc plan includes contribution of £931
Are burial fees covered in full or will there be a contribution towards these? Yes. Gold & Silver plans guarantee burial fees. Limited & Bronze plans include contribution of £950 or £1,100 respectively £1,220 contribution towards burial fees Up to £1,000 contribution towards burial fees Contribution provided (unspecified)
Are doctors' fees covered? Yes. Gold & Silver plans only No No No
Are your funeral services guaranteed if you pass away after 12 months but before your plan has been paid in full? Yes. Co-op Commitment Yes. Dignity Promise Yes. Avalon Promise No

The information in this table was taken from the separate providers' websites and is accurate as at 09/07/2021

Co-op funeral plans

Co-op Funeralcare prepaid funeral plans can be arranged through Reassured, at no extra cost.

Why buy a Co-op funeral plan?

  • Co-op are a highly rated and trusted plan provider with more than 1,200 funeral homes nationwide
  • Their funeral plans are the only plans in the UK to receive a 5 star rating from Fairer Finance
  • The Silver and Gold plans are fully guaranteed, meaning that all the essential funeral costs are covered including third-party fees
  • Co-op are different to other providers because they both plan and carry out your funeral
  • Co-op members can save up to £125 on their plans, simply provide Reassured with your membership number when buying your plan

For more information, head to our Co-op funeral plans page or make the most of our award-winning service by getting in touch.

Joint funeral plans

Joint funeral plans are available with some providers and allow two people (such as a married couple) to be named on a single plan.

A joint plan will only cover one funeral, for example, the funeral of the first person to pass away.

At Reassured, we believe that any couple with other family members to think of would benefit from having individual prepaid plans in place.

With prices starting from just £19.11 a month, there’s an affordable way to protect both parties.

Buy a funeral plan

You can save time and hassle by using our award-winning broker service to compare the best funeral plans.

There are just three simple steps to securing your plan through us:

  1. About You - Let us know your requirements and your budget, and we’ll find you the most suitable funeral plans
  2. Compare Plans - We compare the features and prices of each plan so that you have all the information you need to make a fully informed decision as to which is best for you
  3. Secure Your Plan - You don’t need to lift a finger as we fill in the application form and arrange for the paperwork to be sent out to you

All of this, without charging you a single penny. Get in touch for your best quotes.

Funeral plan FAQs

Who can buy a funeral plan?

Anyone over the age of 18 can buy a prepaid funeral plan through Reassured, whether that be for themselves or on behalf of someone else.

Unlike life insurance, a funeral plan guarantees acceptance. This means you don’t need to provide any health or medical information to be accepted on a plan.


Are funeral plans safe?

Yes, funeral plans are safe when the plan provider is registered with the Funeral Planning Authority (FPA).

The FPA are a self-regulated body with the purpose to protect funeral plan customers and their money.

One of their requirements is that customers’ money must be paid into an independent trust fund or whole of life insurance policy to be kept secure until the plans are redeemed.

There’ll always be enough funds to cover the cost of your funeral, even in the unlikely event that the plan provider goes out of business.

At Reassured, we only compare quotes for FPA approved funeral plans, giving you peace of mind that you’re in safe hands.


What isn’t covered in a funeral plan?

Whilst you can have peace of mind that your key funeral costs are covered when the time comes, there are some elements that a prepaid funeral plan won’t cover as standard.

These include:

  • Flowers
  • Embalming
  • Alternative hearses
  • Funeral notices
  • Extra limousines or executive cars
  • Urn
  • Burial plot
  • Catering/wake
  • Memorial (headstone)
  • Live music

Also, some plans won’t cover the full cost of third-party fees, such as minister or celebrant fees, or doctors’ fees.


What happens if I die before my funeral plan is fully paid?

If you purchase a funeral plan through Reassured and choose to pay by instalments over 2 - 25 years, but you pass away after 12 months and before your plan has been paid in full, then your funeral will still be covered.

This ensures that your loved ones are still protected from the expense of your funeral in the case you were to pass away before finishing all your payments.

Providing all payments are up to date and your plan has been in place for at least 12 months, you’ll be eligible for this additional level of cover.

Accidental death is covered from day one of taking out a plan, as long as all payments are up to date.


Is a funeral plan better than life insurance?

Funeral plans and life insurance serve different purposes, but both can be taken out individually to cover your funeral expenses. The option that’s better for you will depend on your individual circumstances and your budget.

On the one hand, life insurance could work out more affordable each month if you’re still fairly young and healthy.

Also, the sum assured (pay out amount) could be enough to cover more than just the cost of your funeral.

On the other hand, a funeral plan could be ideal if you’re specific about the funeral you want to have and how much it should cost.

There’s also no uncertainty about how much you’ll pay because funeral plan prices are fixed.

If your budget allows, you could have both forms of protection in place simultaneously; a funeral plan to ensure your funeral is organised and paid for in advance, and a life insurance policy with a cash sum pay out.

For a more detailed comparison, head to our life insurance vs funeral plans article.

Sources:

[1] SunLife (2021), Cost of Dying Report, sunlife.co.uk/costofdying2021/

*£19.11 per month pricing includes a £75 discount only available to Co-operative members and is based on a 50-year-old purchasing a Co-operative Simple Funeral Plan at £3,020 over the maximum term available of 25 years (total amount repayable £5,733.40) as of 1st March 2021

Related articles:

Our Providers

At Reassured, we will provide you with quotes from Co-op Funeral Care.

All of the funeral plans we provide are fully regulated by the Funeral Planning Authority (FPA) ensuring you and your money are protected.

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Very easy to understand and very quick

Yes very pleased with my choice very helpful easy to understand and very pleasant transaction all good!

Mrs M Rushworth

Very professional and reassuring

Very professional and reassuring. Life insurance sorted in about 10 minutes.

Stephen Davies

very courteous and friendly

very courteous and friendly. Polite professional and empathic.

Stedroy Fenton

Another happy customer

Another happy customer I am. They are very professional and kind. Fully communicative. I recommend.

Piotr Stepien

Really attentive during the call

Really attentive during the call, good clear guidance throughout. Well done.

Michael Reynolds

Amazing service

Amazing service quick fast and easy and Joey was a star on the phone really help me thanks.

Sera Woolley

I made the right choice and now I feel…

I made the right choice and now I feel relieved that I did.

glyn

Really genuine kind and compassionate…

Really genuine kind and compassionate team with great knowledge and friendly approach highly recommend them!

Katelia Merritt

I must say Jake took me through every…

I must say Jake took me through every step and was brilliant, recommend them anytime.

Allan Green

Very happy and everything explained…

Very happy and everything explained well, so glad a took the time to take the call, normally I would say I'm busy. But compared to other company's we save so much more money.

Jenny Berry