Co-op Funeralcare prepaid funeral plans

Co-op funeral plans can be arranged through Reassured from as little as £20.38* per month.

There are four different funeral plans to choose from. Each plan offers a different level of service but also includes all the essential funeral services. See the differences between each plan below:

Simple: £3,220 or from £20.38* a month

  • A simple coffin
  • Visitation to chapel of rest (office hours)
  • Restricted times and dates

Bronze: £3,470 or from £21.96* a month

  • A wood effect coffin
  • Visitation to chapel of rest (office hours)
  • Choice of time and date
  • Choice of route to service

Silver: £3,825 or from £24.21* a month

  • A wood effect coffin
  • Visitation to chapel of rest at any time
  • Choice of time and date
  • Choice of route to service
  • One limousine

Gold: £4,074 or from £25.78* a month

  • A wood veneer coffin
  • Visitation to chapel of rest at any time
  • Choice of time and date
  • Choice of route to service
  • Two limousines

Co-op funeral plan calculator

Spread the cost of your funeral plan with monthly payments, or pay in full. Calculate how much your funeral plan will cost, by filling in the details below.

6 months
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*Co-op members save up to £125 on their Co-op funeral plan. Simply provide your 18 digit membership number when buying your plan.

Funeral plan cost:
£0
Total repayable:
£0
Membership discount:
-£0
Amount to pay now:
£0
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What's included in a Co-op funeral plan?

Each funeral plan arranged through us includes all the essential funeral services required for either a cremation or burial.

These are as follows:

  1. Support and advice from the funeral director
  2. Help with all the funeral arrangements and record of your funeral wishes
  3. 24-hour transfer to a suitable place of rest within a 50-mile radius
  4. Care of the deceased including private chapel and visitation for loved ones (embalming not included)
  5. A coffin or casket
  6. Hearse and personnel included for the funeral
  7. Free bereavement assistance
  8. All essential third-party services

Why arrange your Co-op funeral plan through Reassured?

It’s completely free of charge to use our award-winning, FCA regulated broker service to help you arrange your ideal funeral plan.

All funeral plans arranged through Reassured are:

  1. Fully guaranteed - All your funeral costs are covered, including third-party fees
  2. Protected from rising funeral costs - The price remains fixed, no matter how much prices rise
  3. FPA approved - Protecting you and your money
  4. Award-winning - All plans are highly rated
  5. Available to all UK applicants aged over 18

Our dedicated team can guide you through the whole process from comparing plans to filling in the application form.

As mentioned, there is no additional cost to use our service – so make the most of this today and get in touch.

How is the cost of my plan calculated?

The price of each funeral plan is fixed, however, the total cost of your plan is determined by the payment option you choose.

There are three payment options, which are as follows:

  1. In full (one single payment)
  2. In 6 or 12 monthly payments
  3. By monthly instalments over 2 – 25 years (charges apply)

If you choose to spread the cost for more than 2 years, instalment charges will apply.

And the total amount payable is calculated based on your age and the payment terms.

For example, a Simple funeral plan at £3,220 spread over 25 years, would cost a 50-year-old £20.38* per month, with a total amount payable of £6,115.40.

Shorter payment terms may apply, as an instalment plan must be paid in full by the plan payers 80th birthday.

If you choose to pay over 6 or 12 months or upfront in one single payment, this won’t incur any charges and the price you see is the price you pay.

Unlike other forms of funeral insurance, such as an over 50 plan, with a funeral plan you’ll know the total cost of your plan, and exactly how much you’ll pay, in advance.

There are no hidden extras or surprises, for you or for your loved ones when the time comes.

Co-op member discount

Co-op members can benefit from a 5% discount on any Co-op funeral plan arranged through Reassured.

Not yet a member? It takes two minutes to sign up on the Co-op website – there’s just a £1 fee.

Your membership number will be received by email and can be used straight away.

Can I pay a deposit?

Yes, if you wish to pay a deposit (and reduce your monthly payments) then simply let one of our friendly team know when taking out your plan.

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Avoid rising funeral costs

All funeral plans arranged through Reassured are fully guaranteed - protecting your loved ones from rising funeral costs.

This means that you’ll pay only today’s price for your funeral, even though this could take place many years in the future.

The cost of an average funeral is currently £4,417 - a substantial expense to leave behind to loved ones.

As costs are expected to continue to rise, it’s a wise decision to lock-in the price of your funeral today.

Seize the opportunity and arrange your funeral plan through Reassured.

Cost of funerals infographic UK

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

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

Fully guaranteed funeral plans

Co-op funeral plans are 100% guaranteed, which means the total cost of your funeral will be covered within your plan**.

This includes third-party services, which are separate to those of the funeral director, as described below.

Third-party services guaranteed

Third-party services are essential for when carrying out a traditional funeral service.

Third-party services, also known as additional funeral ‘disbursements’ include:

  • A burial or cremation (fees which include a ceremony in a church or ceremony)
  • Doctor (to certify the death)
  • Minister or celebrant (to hold the service)

If paid for separately, these services could amount to on average £1,193 for a cremation funeral and £2,288 for a burial funeral.

An additional cost that loved ones would need to cover when the time comes.

But, with a Co-op funeral plan all your third-party services are included (and fixed at today’s price).

Take advantage of this benefit by arranging your funeral plan through our award-winning broker service today.

What is the Co-op Commitment?

There’s a possibility that, over a long payment term (up to 25 years), you could pass away before finishing all the instalments to cover the full cost of your plan.

With most other funeral plans, your loved ones would be left with the outstanding balance to pay - which defeats the purpose of having a funeral plan in place.

But with a Co-op funeral plan, in this eventuality, the Co-op Commitment ensures that your funeral costs are still covered and your funeral services still go ahead as agreed - as long as you’ve made at least 12 up to date payments into your plan.

Secure your funeral plan through us today to ensure that no matter what, your loved ones won’t need to worry about the inevitable financial burden.

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Over 1,000 Co-op funeral homes

Co-op Funeralcare owns over 1,000 funeral homes across the UK, which guarantee to accept funeral plans purchased through them.

The Co-op would be your funeral plan provider and the funeral director who carries out the funeral, ensuring the same level of service throughout.

Unlike many other funeral plan providers, who work with a network of independent funeral directors.

Are Co-op funeral plans safe?

Co-op funeral plans are Funeral Planning Authority (FPA) approved, which means your money is kept safe until your funeral plan is required.

Funeral plan funds are invested in either an FCA regulated whole of life insurance policy or a trust fund so that in the very unlikely event that Co-op were to go out of business, your funeral will still be covered.

There’s also comfort in knowing that your money is safe with a leading provider, rather than divided between the funeral plan provider and independent funeral director (which is the case with many other funeral plans).

Reassured are also fully regulated by the Financial Conduct Authority (FCA), therefore we naturally uphold the highest standard of service when helping you arrange your funeral plan through us.

What’s not included in a Co-op funeral plan?

Any funeral plan, including those from Co-op, will not include a burial plot.

This is because the cost of graves vary greatly across the UK.

Your funeral director will help you make arrangements for this with a burial funeral plan.

Also, as per your wishes, your loved ones would need to make arrangements for the cost of any personalised elements, such as:

  • Flowers
  • Order of services
  • Newspaper notices
  • Additional/alternative transport

Embalming of the body is also not included in the cost, however, the funeral director can help your loved ones make arrangements for this if necessary.

Award-winning plans

Co-op funeral plans have been awarded multiple 5-star ratings for their Gold and Silver plans.

Co-op Funeralcare has also been awarded the Moneynet Triple Gold award for being the Best Funeral Plan Provider.

You can arrange an award-winning Co-op funeral plan through Reassured, so get in touch today to get started.

Compare multiple funeral plans

Reassured offer a full broker service, free of charge, dedicated to helping you arrange the financial protection of your loved ones.

A funeral plan offers a practical, and affordable way to ensure your funeral costs are covered in advance.

Use the Co-op funeral plan calculator to find out how much you’ll pay for your plan, and we can assist you from there.

Our award-winning team look forward to your custom!

Compare Funeral Plans Quotes »

Sources:

*£20.38 per month includes a £75 discount only available to Co-op members, based on a 50-year-old purchasing a Simple Funeral Plan at £3,220 after discount with 25 years payment term (total amount payable £6,115.40)

£21.96 per month includes a £125 discount only available to Co-op members, based on a 50-year-old purchasing a Bronze Funeral Plan at £3,470 after discount with 25 years payment term (total amount payable £6,589.90)

£24.21 per month includes a £125 discount only available to Co-op members, based on a 50-year-old purchasing a Silver Funeral Plan at £3,825 after discount with 25 years payment term (total amount payable £7,263.75)

£25.78 per month includes a £125 discount only available to Co-op members, based on a 50-year-old purchasing a Gold Funeral Plan at £4,074 after discount with 25 years payment term (total amount payable £7,736.58)

**Plans exclude the cost of a burial plot

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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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