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Research carried out by Reassured has found that the best funeral plans in the UK are:
For most people, the best funeral plans:
Include all the essential funeral services
Guarantee to cover third-party fees
Freeze rising funeral costs
Can be moved with you if you move home
Offer flexible payment options
Are regulated by the Funeral Planning Authority (FPA)
The best funeral plan for you really depends on the type of funeral you want to have and your budget.
At Reassured, we provide an FCA registered, award-winning service that compares funeral plans from a range of leading providers in the UK.
All funeral plans arranged through us are FPA approved and include all the essential funeral services.
As well as this, we can help you arrange a funeral plan that guarantees to cover all third-party fees.
Simply use our free quote service to get started.
The best value funeral plans are those that offer the most services, cover all the essential costs and provide the most flexibility - all at the most competitive price.
Therefore, the best funeral plan will offer the best value for money, which will ultimately provide the best financial protection for your loved ones.
(And best value for money doesn’t necessarily mean the cheapest!)
Unsure whether to take out a funeral plan or life insurance? Read our in-depth article on the pros and cons of funeral plans »
So, how do you know you’re getting the best value for money from a funeral plan?
The best value funeral plans will include all the necessary services required for the type of funeral you have chosen.
For a traditional style funeral, this should include the following funeral director services:
The best value funeral plans may also offer additional benefits or services, at no extra cost.
These may include:
In most cases, the best funeral plans are those that are fully guaranteed.
This means that the funeral plan will guarantee to cover funeral director fees (for the services listed above) and essential third-party fees.
Third-party fees include:
Reassured can help you arrange a funeral plan that guarantees to cover all your essential funeral costs, including third-party fees, at today’s price.
Secure your free quotes today by getting in touch.
There are a range of funeral plans to choose from to suit different needs and budgets.
Funeral plans also differ between plan providers, which is why it’s important to compare the options available.
How much a funeral plan costs depends on the level of service you choose.
Plan providers usually offer 3 or 4 set plans that have a different combination of services at different price points.
The more you pay, the more services and flexibility you’d receive.
Reassured have compared some basic, standard and comprehensive funeral plans from leading FPA regulated funeral plan providers.
These include Co-op and Dignity whose plans we can arrange for you through our broker service.
The funeral plans with each plan provider include all the essential funeral director services for either cremation or burial.
With a basic funeral plan, a basic coffin is provided and there are no limousines for mourners to travel to where the funeral service will take place.
| Avalon |
|
Golden Leaves |
|
|
|---|---|---|---|---|
| Plan | Standard Plan | Simple Plan | Zinc Plan | Limited Plan |
| Price | £3,645 | £3,220* | £3,089 | £3,095 |
| Date and time of funeral | Restricted | Restricted | Restricted | Restricted |
| Cremation fees | Up to £1,000 contribution | Yes - Guaranteed | Yes - Guaranteed | Yes - Guaranteed |
| Burial fees | Up to £1,000 contribution | Yes - Guaranteed | £931 contribution | £1,220 contribution |
| Minister or celebrant fees | No | Yes - Guaranteed | No | Yes - Guaranteed |
| Doctors’ fees (not applicable in Scotland) | No | Yes - Guaranteed | No | No |
| Funeral director count | 1,800 | 1,000 | Not specified | 800 |
| 24/7 collection / mileage | Yes - Within mainland UK or mainland NI | Yes - 50 miles | Working hours - 25 miles | Yes - 50 miles |
| Visit to chapel of rest | No | Yes | Yes | Yes |
| Add additional services | Yes | No | Yes | Yes |
| Limousine | No | No | No | No |
| Coffin type | Basic | Basic | Basic | Basic |
| Funeral covered if plan holder dies after 12 months (if paying by instalments) | Yes - Avalon Promise | Yes - Co-op Commitment | No | Yes - Dignity Promise |
| Plan moves with plan holder | Yes - Free | Yes - Free | Yes - Price may change if moving to a different region | Yes - Free |
| Cancellation fee (after 30 days) | £395 | £250 | 20% of the total cost of the plan | £249 |
*Co-op prices shown include a Co-op members discount
Key points:
Arrange a Co-op or Dignity funeral plan through Reassured today. Get in touch with our award-winning service to get started.
With a standard level funeral plan, a quality wood effect coffin is usually provided and a limousine may be included. There’s also more flexibility as to the date and time of the funeral.
| Avalon |
|
Golden Leaves |
|
|
|---|---|---|---|---|
| Plan | Plus Plan | Silver Plan | Silver Plan | Amber Plan |
| Price | £3,995 | £3,825* | £3,594 | £3,495 |
| Date and time of funeral | Mutually agreed | Mutually agreed | Mutually agreed | Mutually agreed |
| Cremation fees | Up to £1,000 contribution | Yes - Guaranteed | Yes - Guaranteed | Yes - Guaranteed |
| Burial fees | Up to £1,000 contribution | Yes - Guaranteed | Contribution provided** | £1,220 contribution |
| Minister or celebrant fees | No | Yes - Guaranteed | No | Yes - Guaranteed |
| Doctors’ fees (not applicable in Scotland) | No | Yes. Guaranteed | No | No |
| Funeral director count | 1,800 | 1,000 | Not specified | 1,200 |
| 24/7 collection / mileage | Yes - Within mainland UK or mainland NI | Yes - 50 miles | Working hours - 25 miles | Yes - 50 miles |
| Visit to chapel of rest | Yes | Yes | Yes | Yes |
| Add additional services | Yes | No | Yes | Yes |
| Limousine | Yes 1x | Yes 1x | No | No |
| Coffin type | Wood-effect | Wood-effect | Basic | Wood-effect |
| Funeral covered if plan holder dies after 12 months (if paying by instalments) | Yes - Avalon Promise | Yes - Co-op Commitment | No | Yes - Dignity Promise |
| Plan moves with plan holder | Yes - Free | Yes - Free | Yes - Price may change if moving to a different region | Yes - Free |
| Cancellation fee (after 30 days) | £395 | £250 | 20% of the total cost of the plan | £249 |
**Contribution amount will be in line with the national average cost of cremation fees
Key points:
With a comprehensive level funeral plan, a high-quality wood effect coffin is usually provided, and two limousines may be included.
| Avalon |
|
Golden Leaves |
|
|
|---|---|---|---|---|
| Plan | Premium Plan | Gold Plan | Platinum Plan | Diamond Plan |
| Price | £4,245 | £4,074* | £4,199 | £4,195 |
| Date and time of funeral | Mutually agreed | Mutually agreed | Mutually agreed | Mutually agreed |
| Cremation fees | Up to £1,000 contribution | Yes - Guaranteed | Yes - Guaranteed | Yes - Guaranteed |
| Burial fees | Up to £1,000 contribution | Yes - Guaranteed | Contribution provided** | £1,220 contribution |
| Minister or celebrant fees | No | Yes - Guaranteed | No | Yes - Guaranteed |
| Doctors’ fees (not applicable in Scotland) | No | Yes - Guaranteed | No | No |
| Funeral director count | 1,800 | 1,000 | Not specified | 1,200 |
| 24/7 collection / mileage | Yes - Within mainland UK or mainland NI | Yes - 50 miles | Yes - 25 miles | Yes - 50 miles |
| Visit to chapel of rest | Yes | Yes | Yes | Yes |
| Add additional services | Yes | No | Yes | Yes |
| Limousine | Yes 2x | Yes 2x | Yes 2x | Yes 2x |
| Coffin type | High quality wood veneer | High quality wood veneer | High quality wood veneer | High quality wood veneer |
| Funeral covered if plan holder dies after 12 months (if paying by instalments) | Yes - Avalon Promise | Yes - Co-op Commitment | No | Yes - Dignity Promise |
| Plan moves with plan holder | Yes - Free | Yes - Free | Yes - Price may change if moving to a different region | Yes - Free |
**Contribution amount will be in line with the national average cost of cremation fees
Key points:
Most funeral plan providers offer a number of payment options, so you can choose the one that’s best for you.
These are usually as follows:
Many plan providers, including Co-op and Dignity, will guarantee to cover the services included in a plan after 12 months if you pass away before completing all your instalments.
If this benefit isn’t in place, then your loved ones would have to cover the remaining balance of the plan or cancel the plan and have the funds paid back to your estate (minus a cancellation fee).
All funeral plans arranged through Reassured will guarantee to cover the funeral services included in the plan if you pass away after 12 months.
Get your free quote using our award-winning broker service and secure your best value funeral plan.
Third-party fees refer to additional costs separate from that of the funeral director.
These include:
Most funeral plans will cover the cost of funeral director services but may not cover the cost of third-party services.
Some funeral plan providers offer a contribution towards these costs, for example, Avalon will pay up to £1,000.
But even so, this will certainly leave a shortfall for your loved ones to pay when the time comes.
The cost of third-party fees also varies depending on the funeral location.
For example, London has the highest burial fees in the UK.
The best funeral plans will guarantee to cover all your funeral costs, including third-party fees.
As mentioned, Reassured can help you arrange a funeral plan that guarantees to cover all your essential third-party fees at today’s price.
And, our prices are fixed no matter where you live in the UK.
Secure your best funeral plan today through our FCA registered broker service.
The Funeral Planning Authority (FPA) regulate funeral plans to ensure safety for those who buy them.
Funeral plan providers opt into FPA regulation and agree to follow a set of guidelines set by the authority
It's not compulsory and currently, approximately 95% of plans are FPA regulated.
All funeral plans arranged through Reassured are FPA regulated and we are an FCA registered broker, ensuring that throughout your journey you are protected.
Whilst there are a range of plans available to suit different budgets, some of the cheaper plans may not offer the best value for money.
This is because most cheap funeral plans cover the necessary funeral director services but not essential third-party fees (cremation or burial fees, doctors’ fees and minister fees).
Choosing a plan that costs a few hundred pounds more and that guarantees to cover third party fees at today’s price, will save your family this additional expense when the time comes.
As mentioned, you can arrange a funeral plan through Reassured that covers all third-party fees, for that extra peace of mind.
Secure the best prepaid funeral plan to fulfil all your wishes, plus save time and money, by using an FCA registered broker.
With so many things to consider and such a variety of plans available, choosing the right funeral plan to suit your needs can be daunting.
Using an independent broker, such as Reassured, will help you determine what it is you’re looking to receive from a funeral plan.
It’ll also allow you to compare the various options available within your budget, making sure you secure the very best deal.
Get in touch today to arrange financial protection for your loved ones.
[1] https://www.funeralplanmarket.com/pre-paid-funeral-plans/top-10-funeral-plans
[2] SunLife (2020), Cost of Dying Report, sunlife.co.uk/costofdying2020
[3] https://www.moneyadviceservice.org.uk/en/articles/funeral-plans
[4] https://boughtbymany.com/news/article/best-funeral-plans/
[5] https://ww.which.co.uk/money/insurance/funeral-plans
*Co-op prices shown include a Co-op members discount
£3,220 based on a 50-year-old purchasing a Simple Funeral Plan after £75 members discount with 25 years payment term (total amount payable £6,115.40)
£3,825 based on a 50-year-old purchasing a Silver Funeral Plan after £125 members discount with 25 years payment term (total amount payable £7,263.75)
£4,074 based on a 50-year-old purchasing a Gold Funeral Plan after £125 members discount with 25 years payment term (total amount payable £7,736.58)
**Contribution amount will be in line with the national average cost of cremation fees
Prices correct as of December 2020
6 min
If you have lost a parent recently, you may be concerned as…
At Reassured, we will provide you with quotes from Co-op Funeral Care, Dignity Funeral Services and Simplicity Cremations.
All of the funeral plans we provide are fully regulated by the Funeral Planning Authority (FPA) ensuring you and your money are protected.
