Cheapest funeral plans

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

  1. Open Simple Plus Plan - £2,995
  2. Dignity Limited Plan - £2,995
  3. Age Co Basic 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 may not always offer you the best value for money.

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

Cheap funeral plans UK

At Reassured, our cheapest prepaid funeral plans start from as little as £19.81* a month.

Comparing multiple funeral plans will help you find the best funeral plan to suit your budget.

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

We only compare cheap funeral plans from an award-winning, FPA approved provider.

A funeral plan can protect your loved ones from continually rising funeral costs.

Even our cheapest funeral plans are fully guaranteed, which means your funeral costs are covered, no matter how much prices rise.

We also offer a best price guarantee† on all like for like funeral plan quotes.

Get in touch with our award-winning team today to compare cheap funeral plans and lock-in today’s rates.

There are no age or medical restrictions - acceptance is guaranteed.

Our services are also completely free of charge for you to use.

How much does a funeral cost in your area?

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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.

What is the cheapest funeral plan?

One of the cheapest funeral plans available is the Open Simple Plus plan which costs £2,995 upfront.

But sometimes, the cheapest funeral plan isn’t always the best value for money.

A too-good-to-be-true cheap funeral plan may not provide all the essential products and services you require.

So that when the time comes, your loved ones may have to make arrangements for these and cover the cost.

Therefore the question is, what’s the best value funeral plan for what you can afford?

At Reassured, our cheapest funeral plans represent best value for money and here’s why;

Not only do our plans include all the essential products and services for a funeral, but we also offer the following benefits:

Avoid rising funeral costs

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 your funeral costs, whether it takes place in 10 or 30 years time.

Third-party fees fully guaranteed

All funeral plans arranged through Reassured, even our cheapest funeral plans, guarantee to cover all third-party fees.

These pay for additional third-party services required for a funeral, separate to those of the funeral director:

  • Doctor fees
  • Minister fees
  • Cremation or burial fees

It’s possible to pay in third-party fees on average £1,193 for a cremation and £2,288 for a burial.

This is not the case if you take out a funeral plan with Reassured, as our plans guarantee to cover these costs no matter how much prices rise in the future.

Some other funeral plans include a contribution towards third party fees - usually between £800 and £1,300 depending on the plan.

However, this amount is vulnerable to rising funeral costs and may be worth less in the future because the contribution isn’t guaranteed when you take out the plan.

If there's any shortfall when the time comes, your loved ones would be liable to pay this.

Ensure that your loved ones won’t have to pay another penny by taking out a cheap funeral plan through Reassured.

Funeral costs covered, guaranteed

All funeral plans arranged through Reassured guarantee to carry out the agreed services, even if you pass away of natural causes before the plan has been fully paid off.

Eligible for those on an instalment plan who’ve paid at least 12 monthly payments.

If you pass away from an accident within the first 12 months of an instalment plan, then your funeral will still be carried out at no extra cost to your loved ones.

Many other cheap funeral plans on the market won’t offer this protection.

Usually, if you pass away before the plan is fully paid, your loved ones would have to pay the remaining balance of the plan, it could be cancelled, or your services may be limited.

Have your funeral costs covered even if you pass away early, by securing your cheap funeral plan today with Reassured.

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.

Best price guarantee†

Found a cheaper funeral plan?

Provide us with a like for like quote for your chosen funeral plan and we’ll match it, as long as you're paying in full or in 12 interest-free monthly payments.

Make the most of this best price guarantee and take advantage of the other benefits we offer, by arranging your low cost funeral plan with Reassured.

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.

Find out more about the pros and cons of prepaid funeral plans from our in-depth article »

Cheap monthly funeral plans

Funeral plans purchased through Reassured offer affordable monthly payment options.

Payment options include:

  • 6 or 12 interest-free monthly payments
  • Instalment plan over a period of 2-25 years (instalments must be paid by 80th birthday)
  • A one-off payment for immediate cover

The instalment plan does incur interest, however, this option allows you to spread the cost into affordable monthly payments over 2 – 25 years.

What’s more, after the first 12 monthly payments of an instalment plan, you’ll have peace of mind that your funeral costs will be covered when you pass away.

The other monthly payment option allows you to spread the cost interest-free over 6 or 12 months.

This way you’ll save money, and have the plan paid off (and the protection in place) a lot quicker.

For immediate cover and peace of mind, you can pay for your plan upfront in full.

Each payment option enables you to lock-in today’s funeral rate and avoid rising funeral costs.

The funeral plan price remains fixed, even if you pay by monthly instalments.

You can take advantage of our best price guarantee if you choose to pay for your plan upfront in full, or interest-free over 12 months.

Get in touch with our award-winning team to arrange your cheap monthly funeral plan from just £19.81* per month.

Cheap funeral plan comparison

Funeral plan Full upfront cost FPA approved? Best price guarantee? Guaranteed funeral costs? Cremation fees (UK average £860) Burial fees (UK average £2,288) Doctor's fees (£164) Admin fee Cancellation fee
Reassured plan £3,295 Yes Yes Yes Guaranteed Guaranteed Yes No £250 (after 30 days)
Open Simple Plus Plan £2,995 Yes No No £1,100 contribution £1,100 contribution No £195 No cancellation fee


This is a comparison of some of the features included in one of our cheapest funeral plans and the Open Simple Plus funeral plan.

By using this comparison table, several assumptions can be made of the plan that offers best value for money.

First to note, is that the Simple Plus plan includes an additional admin fee of £195.

Therefore, the total upfront cost of the Open Simple Plus plan is actually £3,190 (not the cheapest funeral plan after all).

Reassured don’t charge an admin fee at all for our services.

Secondly, the Simple Plus Plan provide only a £1,100 contribution towards third-party fees.

However, third-party fees add up to on average £1,193 for a cremation and £2,288 for a burial, leaving your loved ones with a shortfall to pay.

Funeral plans arranged through Reassured guarantee to cover all third-party fees.

We’re better value for money because we also guarantee to cover your funeral costs if you pass away after 12 months of an instalment plan.

With an Open Simple Plus plan, your loved ones would have to cover the cost of your funeral if you pass away after 12 months and before the plan has been paid off.

Reassured also offer a best price guarantee on all like for like funeral plan quotes.

Get in touch with our award-winning team today and challenge them to find you the cheapest deal.

Compare low cost funeral plans

Why compare funeral plans with Reassured?

Save money

Using our broker service to compare multiple funeral plans can help you find the best deal, and save money.

Our cheapest funeral plans start from just £3,295 upfront, yet the average funeral cost in the UK is £4,417.

Which means you could save over £1,000 taking out a funeral plan through us.

Funeral plans also freeze today’s funeral costs, so that your loved ones are protected from future price rises.

Award-winning funeral plans

Reassured only compare funeral plans from a reputable, award-winning funeral plan provider.

This includes the cheapest funeral plans we have available.

So you know that when arranging a funeral plan through us, not only are you in safe hands but you’ll receive great value for money.

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 enforce are also applied to our funeral plan processes, providing you with that extra peace of mind.

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

Learn more about how an over 50 plan can also cover your funeral costs from 20p-a-day

What is the cheapest funeral you can have?

For those really on a budget, the cheapest possible funeral you can have is a direct cremation.

A direct cremation is when your body is taken straight to the crematorium.

A funeral service doesn’t take place, and loved ones don’t attend the crematorium, apart from to collect the ashes.

This can save you money, but would your loved ones prefer to have a ceremony (either religious or non-religious) so they can pay their respects?

Funeral plans arranged through Reassured include a funeral service with either a minister or celebrant, for a burial or cremation.

Contact our award-winning team to find out more.

Cheap cremation

A funeral plan for cremation with ceremony can be £2,000 cheaper than the equivalent with burial.

This is because your loved ones won’t need to purchase a burial plot or a memorial on top of the funeral plan.

A burial plot can cost up to £1,000, depending on where the burial will take place, and to have a memorial costs on average £910.

With a cremation, your loved ones don’t even need to purchase an urn if they wish to scatter the ashes.

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 as mentioned, 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.

Funerals on a budget

For a funeral on a budget, you can cut down on costs but still have a sufficient funeral that fulfils all your wishes.

Here are some tips on how to arrange a funeral on a budget:

Arrange your own funeral

Arrange your own funeral in advance to ensure that, when the time comes, your loved ones don’t spend unnecessarily (or impulsively) on your funeral.

You can customise your own funeral package by taking out a funeral plan, either with an independent funeral plan provider or through a broker such as Reassured.

Shop around and compare quotes

Funeral prices vary with every provider, therefore it’s important to compare prices to find a funeral plan most suited to your budget.

Shop around and compare quotes for funeral plans using comparison sites or by using a broker, such as Reassured.

Have a cremation

As previously mentioned, a cremation can cost up to £2,000 less than a burial.

Your loved ones won’t need to purchase a burial plot or a memorial, and you don’t even need an urn if you’re scattering the ashes.

If an urn is required, this doesn’t have to be expensive and you can shop around online for one yourself.

Have a simple coffin

Save money by opting for a basic coffin. There are many different types, with cardboard, wicker, and bamboo coffins costing much less than the traditional wooden coffins.

A basic coffin is offered with the cheaper funeral plans available.

Cheap funeral plan quotes

It’s possible to find a funeral plan to suit your budget.

The best way to do this is to compare multiple funeral plans.

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

As mentioned, the cheapest funeral plan may not always represent best value for money.

That’s why it's important to weigh up all your options.

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

Reassured have helped over 3000 happy customers secure their funeral plan in the UK.

Receive your free, no obligation quote from us today.

Sources:

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

*Price is based on a 50-year-old purchasing a Co-operative Simple Funeral Plan at £3,295 over 25 years (total amount repayable £6,247.40).

†Only available through our Co-op funeral plans. Doesn’t apply to the 2-25 year instalment payment plan.

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Our Providers

At Reassured, we will provide you with quotes from Co-op funeral care, as well as any information required regarding the best funeral plans.

This allows you to make a fully informed decision.

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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