Cheapest prepaid funeral plans

The top 10 cheapest funeral plans for direct cremation are:

  1. Memoria Direct Funeral Plan - £1,490
  2. Simplicity Cremations Lily Plan - £1,495
  3. Trust Cremations Direct Cremation Plan - £1,550
  4. Pure Cremation Trust Based Plan - £1,595
  5. Neo Cremations Simple Cremation Plan - £1,595
  6. Golden Leaves Copper Plan - £1,693
  7. Golden Charter Basic Plan - £1,749
  8. Avalon Direct Cremation Plan - £1,895
  9. Safe Hands Direct Cremation Plan - £1,895
  10. Open Simple Funeral Plan - £1,895

The top 10 cheapest funeral plans for a traditional burial or cremation funeral are:

  1. Golden Leaves Bronze Plan - £2,533
  2. Open Simple Plus Plan - £2,995
  3. Dignity Limited Plan - £2,995
  4. Not For Profit Traditional Plan - £3,185
  5. Memoria Traditional Plus - £3,290
  6. Co-op Simple Plan - £3,295
  7. Age Co Ivy Plan - £3,395
  8. Dignity Amber Plan - £3,395
  9. Golden Charter Standard Plan - £3,495
  10. Safe Hands Pearl Plan - £3,495

Sometimes, the cheapest funeral plan isn’t the best funeral plan.

Keep reading to learn why this is (and why funeral plans arranged through Reassured offer best value for money)…

Cheap funeral plans UK

Reassured can help you arrange a low-cost funeral plan that also offers great value for money.

We compare multiple plans for either cremation or burial from FPA approved leading providers in the UK.

Our award-winning broker service is:

  • No obligation, fee-free (we don’t charge a penny)
  • Financial Conduct Authority (FCA) registered
  • Rated ‘Excellent’ on Trustpilot (43,000 reviews)

Why take out a prepaid funeral plan?

A funeral plan protects your loved ones from the expense of your funeral and allows you to make all the necessary arrangements in advance.

You can take out a funeral plan through Reassured today and have all your essential services fixed at today’s price (beating rising funeral costs).

Get in touch to compare our cheapest funeral plans and secure your best quote.

There are no medical restrictions and acceptance is guaranteed to UK residents aged over 50.

Reassured have helped almost 10,000 happy customers secure their prepaid funeral plan through us.

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.

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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 2020 and should only be used as a guide.
Cost of funerals infographic UK

What is the cheapest funeral plan?

Reassured can offer several cheap funeral plan options, starting from just £1,495 or £16.51* a month.

Each plan can cater to a different need and allows you to lock-in today’s price for the services covered in the plan.

Unattended direct cremation funeral plan Intimate cremation funeral plan Attended cremation funeral plan Limited funeral plan for cremation or burial
£1,495 or from £16.51 a month £1,795 or from £19.82 a month £2,295 or from £25.35 a month £2,995 or from £20.94** a month
An unattended direct cremation without a funeral service Up to 12 mourners to attend the committal at the chapel and a short service Full length service in the chapel organised by family, no limit on attendees A traditional funeral with procession, hearse, full length service and no limit on attendees


The cheapest funeral plan available is for a direct cremation only, which is a very simple affair that excludes the traditional funeral procession and ceremony.

A direct cremation funeral plan won’t be for everyone; in fact, only 3% of funerals in the UK in 2019 were described as direct cremation[1].

However, this is a practical and cost-effective option that allows loved ones to arrange a separate memorial at another time and place that’s convenient for them.

On the other end of the scale, there’s the limited funeral plan for cremation or burial. This includes all the services of a funeral director, a cortege with hearse, pallbearers, and a full funeral service at a church or crematorium held by an officiant.

Find out more by getting in touch with Reassured, we can provide you with all the information you need to make an informed decision.

Cheap funeral plan payment options

There are a number of payment options to choose from when arranging one of the cheap funeral plans through Reassured.

Once you’ve chosen your plan, simply select the way in which you’d like to pay:

Unattended direct cremation funeral plan Intimate cremation funeral plan Attended cremation funeral plan Limited funeral plan for cremation or burial
One single payment One single payment One single payment One single payment
12 monthly payments (fee-free) 12 monthly payments (fee-free) 12 monthly payments (fee-free) 12 monthly payments (fee-free)
Monthly instalments over 2 – 10 years (instalment fees apply) Monthly instalments over 2 – 10 years (instalment fees apply) Monthly instalments over 2 – 10 years (instalment fees apply) Monthly instalments over 2 – 25 years (instalment fees apply)
Instalments must be completed by the plan holder’s 80th birthday Instalments must be completed by the plan holder’s 80th birthday Instalments must be completed by the plan holder’s 80th birthday Instalments must be completed by the plan holder’s 85th birthday


The Limited plan includes the plan provider promise

The plan provider promise is when all the services included in your plan are guaranteed, even if you don’t finish making all your payments.

As long as you choose to pay by instalments over 2 - 25 years and have made at least 12 monthly payments, then the promise will apply.

Therefore, you can have peace of mind that even if the unexpected happens, your loved ones are still protected from the expense of your funeral.

Cheap funeral plan comparison - Direct cremation

This is a comparison of the cheapest funeral plans available for direct cremation, which are provided by Memoria, Simplicity and Trust Cremations.

A direct cremation funeral plan provides the basic services for a cremation only and usually covers the cost of a simple coffin and cremation fees.

  Memoria Direct Funeral Plan Simplicity Cremations Lily Plan Trust Cremations Direct Cremation Plan
Price £1,490 £1,495 £1,550
Transportation, care and preparation of the deceased Yes. £250 fee applies if collection is from a nursing home or private residence Yes Yes
Choice of crematorium No No No
Cremation fees Yes. Guaranteed Yes. Guaranteed Yes. Guaranteed
Doctors’ fees (not applicable in Scotland) Yes. Guaranteed No Yes. Guaranteed
Simple coffin Yes Yes Yes
24/7 collection / mileage Not specified Yes. Within mainland Great Britain Yes. Anywhere in the UK
Return of ashes No Yes. Free Yes. Free
Cancellation fee (after 30 days) £499 £95 Not specified
Add additional services Yes. Charges apply for additional services Yes. Charges apply for additional services Yes. Charges apply for additional services
Plan moves with plan holder Yes. Free Yes. Free Yes. Free

Key points:

  • Memoria charges a £250 fee if the collection of the deceased is from a nursing home or private residence. They also haven’t specified collection mileage or if this is 24/7
  • Memoria will scatter the ashes following the cremation. It is unclear if they would return these to family members and if so, what fee they charge for this
  • Memoria cancellation fee is a third of the cost of the plan
  • Simplicity Cremations Lily Plan doesn't cover doctors’ fees because it’s likely that at some point in the future these will no longer be charged (doctors’ fees currently £164)

Cheap funeral plans comparison - Traditional funeral

This is a comparison of the cheapest funeral plans available for a traditional style funeral, which are provided by Golden Leaves, Open and Dignity.

Each plan includes all the essential funeral director services for either cremation or burial (collection, care and preparation of the deceased, professional guidance, hearse, pallbearers and coffin).

With these cheap funeral plans, a basic coffin is provided and there are no limousines for mourners.

  Golden Leaves Bronze Plan Open Simple Plus Plan Dignity Limited Plan
Price £2,533 (price variable depending on location of funeral) £2,995 £2,995
Cremation fees No £1,220 contribution Yes. Guaranteed
Burial fees No £1,220 contribution £1,220 contribution
Minister or celebrant fees No No Yes. Guaranteed
Doctors’ fees (not applicable in Scotland) No No No
Funeral director count Not specified Not specified 800
24/7 collection / mileage No. Working hours only / 25 miles No. Local collection during normal working hours Yes. 50 miles
Visit to chapel of rest Yes Yes Yes
Add additional services Yes Yes Yes
Limousine No No No
Coffin type Basic Basic Basic
Funeral covered if plan holder dies after 12 months (if paying by instalments) No No Yes. Dignity Promise
Plan moves with plan holder Yes. Additional charges may apply if funeral costs are higher in the area you are moving to Yes. Free Yes. Free
Cancellation fee 20% of the total cost of the plan £195 £249

Key points:

  • The Golden Leaves Bronze Plan doesn’t contribute towards third-party fees (cremation or burial fees, doctors’ fees and minister or celebrant fees), so these would need to be paid for by loved ones when the time comes
  • Golden Leaves and Open funeral plans are provided by independent funeral directors across the UK, which is why their funeral director count is unspecified. Your preferred funeral director may not accept their plans. On the other hand, Dignity own and operate 800 funeral homes across the UK
  • Dignity is the only provider here that will guarantee to cover the cost of your plan after the first 12 months and if you pass away before completing all your payments

Compare low-cost funeral plans

Why compare funeral plans with Reassured today?

✓ Avoid rising funeral costs

As mentioned, it’s possible to lock-in your funeral rates and avoid rising funeral costs by taking out a funeral plan through us today.

In the last 16 years, funeral costs have risen by 130%, and are predicted to rise another 20% in the next 5 years[1].

Many families struggle to pay for a funeral, which costs on average £4,417 in the UK.

A funeral plan protects your family from this inevitable financial burden and the expense of your funeral in the future.

All funeral plans arranged through Reassured guarantee to cover all essential funeral director services and/or cremation services, no matter how much prices rise.


✓ Fixed funeral plan prices

You can have confidence that funeral plan prices offered by Reassured remain fixed.

This means:

  • No unexpected price increases in line with rising funeral costs
  • No regionalised pricing
  • Visibility of all your funeral plan costs

Some funeral plan providers, such as Golden Leaves, provide regionalised pricing.

This means they advertise funeral plan prices based on a national average, rather than the actual cost for each region.

A funeral plan that appears cheap at first, may not be so cheap in the region where you live.

Our funeral plan prices remain fixed no matter where you live, and you’ll know exactly how much you’ll pay from the outset.

Fix your funeral costs today by taking out a cheap funeral plan through our award-winning broker service.


✓ FPA approved funeral plans (keeping your money safe)

Reassured only compare funeral plans that are approved by the Funeral Planning Authority (FPA).

The FPA regulate 95% of funeral plan providers to ensure that customers and their money are protected.

It means that when the time comes, you’ll have the funeral you paid for.

Unregulated cheap funeral plans won’t offer this level of protection.

Invest in a funeral plan through Reassured today and have peace of mind that your money is safe.


✓ Save time and money

Reassured can help you save time and money because we do all the hard work for you; comparing multiple quotes in a matter of minutes.

We listen to your requirements and identify the funeral plans most suited to these.

Not only do we search and compare plans on your behalf, one of our outstanding team members can fill in all the paperwork for you.

All this, without charging you a fee.


✓ FCA registered broker service

Reassured is fully regulated by the Financial Conduct Authority (FCA).

We uphold a standard of service and abide by a strict code of practice governed by the FCA to ensure that all our customers are protected.

The FCA regulations we comply with are also upheld when carrying out our service to our funeral plan customers, providing you with extra peace of mind.

Take action and arrange your funeral insurance with our award-winning, FCA registered broker service today.

Cheap cremations UK

The cost of a cremation, whether that be a direct cremation or cremation with funeral service, is significantly less than the cost of a burial.

This is because a burial plot can cost from a few hundred pounds to tens of thousands of pounds, depending on the location in the UK.

And in 2019 people spent on average £910 on a memorial for their loved one[1].

Perhaps this is one of the reasons that burials have become much less commonplace than cremation these days. In 2019, only 23% of funerals included a burial.

For a cremation, unless there’s a need to bury the ashes, there’s only the consideration of purchasing an urn or the cost of spreading the ashes (although this doesn’t need to cost anything at all).

Get in touch with our award-winning team today to arrange your funeral plan with cheap cremation.

Cheap funeral directors

A cheap funeral director may not offer the financial protection you or your loved ones need.

Whether that be with or without a funeral plan in place.

Some cheap funeral directors may not be upfront with their prices and loved ones may end up spending more than what’s necessary.

Some of the smaller, independent funeral directors are members of trade bodies and/or organisations such as the National Society of Allied & Independent Funeral Directors (SAIF).

SAIF enforce a Code of Practice that members must abide by, and whilst this ensures customers receive a high standard, professional service, it doesn’t provide them with any solid financial protection.

Since 2002, the FPA have been regulating funeral plan providers to ensure the financial protection of funeral plan customers.

But there are still 5% of funeral plans on the market that aren’t approved by the FPA.

A cheap, independent funeral director may not have this level of protection in place for their customers in case they go out of business.

Taking out a funeral plan through Reassured will offer the peace of mind that your money is safe and, when the time comes, your loved ones will have the funds they need for your funeral.

Cheap funeral plan quotes

It’s possible to secure a funeral plan that suits your budget and the needs of you and your family.

The best way to do this is to compare multiple funeral plans from a variety of providers.

Our FCA registered, independent broker service can do exactly this on your behalf.

Our award-winning team can provide you with all the information you need for you to make a fully informed decision.

As mentioned, not only can we arrange for you a cheap funeral plan but also a plan that offers great value for money.

Why not take advantage of the fee-free service provided by award-winning broker, Reassured, today?

Sources:

[1] SunLife (2020), Cost of Dying Report, sunlife.co.uk/costofdying2020

*£16.51 a month is for the Simplicity Cremations Lily Plan, provided by Reassured which is for a direct cremation only, at £1,495 with 10 years payment term (total amount payable £1,981.80)

**£20.94 a month is based on the Dignity Limited plan paid over the maximum 25-year payment term (total amount payable £6,283.86)

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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.

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