Top 10 funeral plans 2021

Research carried out by Reassured has found that the best funeral plans in the UK are:

  1. Co-op - Gold Plan
  2. Co-op - Silver Plan
  3. Safe Hands - Sapphire Plan
  4. Avalon - Premium Plan
  5. Golden Charter - Premier Plan
  6. Age UK - Rowan Plan
  7. Open Prepaid - Select Plan
  8. Golden Leaves - Platinum Plan
  9. Avalon - Plus Plan
  10. Dignity - Diamond Plan

Which is the best funeral plan?

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 regulated, 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.

What are the best value funeral plans?

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!)

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:

  • Transportation, care and preparation of the deceased
  • Making the necessary funeral arrangements
  • Support and guidance for loved ones
  • Use of the chapel of rest
  • A funeral service held by a minister or celebrant
  • Pallbearers
  • A hearse
  • A coffin

The best value funeral plans may also offer additional benefits or services, at no extra cost.

These may include:

  • Order of service
  • Thank you cards
  • Bereavement or counselling services
  • Use of customer rewards and benefits
  • Professional will-writing service

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:

  • Doctors’ fees (to certify the death)
  • Minister or celebrant fees (to hold the ceremony)
  • Cremation or burial fees (to carry out the cremation or burial)

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.

How much does a funeral cost in your area?

Calculate the average cost of a funeral by year and where you live. Select from the options below.

Please fill in the required fields

Average funeral cost

£ 0

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

This calculator uses data from the SunLife Cost of Dying Report 2020 and should only be used as a guide.

Prepaid funeral plan comparison

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 approved funeral plan providers.

These include Co-op and Dignity whose plans we can arrange for you through our broker service.

Funeral plan comparison - Basic level

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 £3,020* £3,089 £2,995
Date and time of funeral Restricted Decided by Co-op Restricted Restricted
Cremation fees Up to £1,000 contribution £950 contribution Yes - Guaranteed Yes - Guaranteed
Burial fees Up to £1,000 contribution £950 contribution £931 contribution £1,220 contribution
Minister or celebrant fees No No No Yes - Guaranteed
Doctors’ fees (not applicable in Scotland) No No 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 price includes a £75 discount only available to Co-op members

Key points:

  • Avalon has the most expensive basic funeral plan, yet doesn’t guarantee third-party fees and doesn’t include use of the chapel of rest for loved ones. The person who has passed is usually held in the chapel of rest at the funeral home until the day of the funeral. For many, visiting them in the chapel of rest is an important part of the grieving process
  • Avalon Standard Plan includes the collection of the deceased from anywhere in the UK
  • The Co-op Simple Plan has the lowest price, but the £950 contribution may not cover all cremation or burial fees when the time comes
  • Golden Leaves Zinc Plan won’t cover your funeral services if you pass away after 12 months of taking out the plan

Arrange a Co-op or Dignity funeral plan through Reassured today. Get in touch with our award-winning service to get started.

Funeral plan comparison - Standard level

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 £3,870* £3,594 £3,395
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

*Co-op price includes a £125 discount only available to Co-op members

**Contribution amount will be in line with the national average cost of cremation fees

Key points:

  • The Co-op Silver Plan guarantees to cover all third-party fees
  • The most expensive standard plan provided by Avalon doesn’t guarantee any third-party fees
  • Golden Leaves Silver Plan and Dignity Amber Plan don’t include a limousine for mourners
  • The number of funeral directors has increased for the Dignity Amber Plan (1,200)

Funeral plan comparison - Comprehensive level

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 £4,170* £4,199 £4,095
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

*Co-op price includes a £125 discount only available to Co-op members

**Contribution amount will be in line with the national average cost of cremation fees

Key points:

  • Even as the most expensive plan on the market[1], Avalon provides only a contribution towards third-party fees
  • The Co-op Gold Plan is the only plan that guarantees to cover all third-party fees (cremation or burial fees, minister or celebrant fees and doctors’ fees). This plan has been rated 5 stars by Defaqto and Fairer Finance and has been awarded Triple Gold in 2018/19/20 by Moneynet

Best ways to pay for a funeral plan

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:

  • Pay in full
    For immediate cover, you can pay for a plan in one lump sum
  • Pay over 12 months
    Have a plan paid in full after just 12 months, without having to pay any additional charges
  • Pay monthly instalments over 2 – 30 years
    Spread the cost for low monthly payments; this can be up to 30 years but depends on the provider. This option will incur instalment charges and the payment term may be restricted the older you are

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.

The best funeral plans cover third-party fees

Third-party fees refer to additional costs separate from that of the funeral director.

These include:

  • Minister or celebrant fees
  • Doctor fees
  • Cremation fees or burial fees

Most funeral plans will cover the cost of funeral director services but may not cover the full cost of third-party services.

Some 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 best funeral plans are FPA approved

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 approved.

All funeral plans arranged through Reassured are FPA regulated and we're an FCA regulated broker, ensuring that throughout your journey you are protected.

The best funeral plans aren’t always the cheapest funeral plans

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 the full cost of 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.

Best buy prepaid funeral plans

Secure the best prepaid funeral plan to fulfil all your wishes, plus save time and money, by using an FCA regulated 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.

Sources:

[1] https://www.funeralplanmarket.com/pre-paid-funeral-plans/top-10-funeral-plans

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

[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

*£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

+The £100 discount offer applies to all Dignity Funeral Plans purchased through Reassured between 10th March and 11th May 2021. For example, a Diamond plan purchased by lump sum will be discounted from £4,195 to £4,095, or from £349.58 to £341.25 if you choose to pay over 12 months. Instalment payments over a period greater than 12 months will also be discounted

Related articles:

Our Providers

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.

Co-op logo Dignity logo Simplicity logo

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