During this time of uncertainty, it's natural to wonder how the coronavirus (COVID-19) may change the terms of your funeral plan or the funeral plan you’d like to buy.

Especially as we start to think more about protecting our loved ones if the worse were to happen.

We have put together some helpful FAQs to help reassure you of the current situation.

Due to the ever-changing advice regarding Coronavirus, there is a chance this information may change. The information within this article stands correct as of 3rd April 2020.

Can I still take out a funeral plan?

Yes, you can still take out a funeral plan as funerals are still going ahead in the UK.

However, in the event you do pass away during this time, there may be some restrictions to the services included in your plan.

Please note, we've also compiled a Coronavirus and life insurance FAQs »

Restrictions may include:

  • Less flexibility on the date and time of your funeral
  • Transport to and from the funeral home
  • Number of mourners to attend the funeral service

To find out more on the restrictions of Co-op funeral plans visit: www.coop.co.uk/funeralcare/coronavirus

How can I arrange a funeral?

Funeral arrangements can be made over the phone or by email.

If you do need to visit the funeral home, then social distancing must be practised.

Co-op funeralcare will allow a maximum of 2 visitors at one time to their funeral homes.

Where can the funeral be held?

Due to the Coronavirus, most places of worship in the UK are now closed to funeral services.

This means that funerals will be held at the burial site, or at the crematorium.

In either instance, mourners must abide by social distancing guidelines.

How many people can attend the funeral?

The number of mourners to attend a funeral service has been restricted to a maximum of 10, as advised by Public Health England (PHE).

This may include just a small group of close relatives and members of your household.

High-risk groups will be asked not to attend, this includes those over 70, pregnant or with low immunity.

Anyone self-isolating should not attend a funeral.

What other restrictions are there?

  • Access to the crematorium may be limited and scattering of cremated remains may be suspended
  • Social distancing must be adhered to at all times
  • A safe distance of at least 2 metres (3 steps) should be maintained between individuals unless they are part of the same household
  • A limousine may not be provided as transport for the family to travel to and from the funeral
  • The coffin may not be carried and mourners may be asked not to touch the coffin
  • Handshaking has been discouraged between ministers, celebrants and funeral directors
  • Mourners have been strongly advised not to take part in any rituals or practices that bring them into close contact with the body of someone that’s passed away from COVID-19 or had symptoms of the virus (as there’s a small risk of transmission)

Is it possible to view the funeral service online?

Family members who aren’t able to attend the funeral may be able to view the funeral service online via live streaming.

Get in touch with your funeral plan provider who’ll be able to advise if there are live streaming or recording facilities available at your chosen crematorium.

Can I delay the funeral?

At this stage, it’s unclear how long restrictions may be in place, therefore funeral providers would hesitate to delay a funeral indefinitely.

You may consider organising a wake or memorial service at a later date when the restrictions have been lifted (and gatherings are permitted).

What if I have difficulty paying my funeral plan?

Under normal circumstances, if you were to miss three payments in a row, your funeral plan could be cancelled.

However, under these extenuating circumstances, providers may be a little more flexible than normal.

If you’ve run into financial difficulties and think you may struggle to pay for your plan, then get in touch with your funeral plan provider.

If you arranged a Co-op funeral plan through Reassured and you have further questions, then visit www.coop.co.uk/funeralcare/coronavirus or give them a call on 0800 088 4872.

You can also find more information at the National Association of Funeral Directors.

Coronavirus help & support

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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