What is the breakdown cost of a UK funeral? Reassured…
In the UK, the average cost of a burial funeral currently stands at £5,033.
However, burial fees differ significantly from region to region.
For example, a burial funeral in London costs £7,816 on average whereas a burial in Northern Ireland costs much less at £2,937 on average.
But how does this cost break down? And does it include the cost of a burial plot?
Reassured have provided this complete guide on the cost of burial UK, with everything you need to know.
We also look at the reasons why burial is more expensive than cremation and how you can save money on burial costs.
The data in this article has been sourced from the SunLife Cost of Dying Report 2020.
Freeze rising burial costs with a prepaid funeral plan
Between 2004 and 2019, the cost of a burial funeral in the UK had risen 136% - much faster than the rate of inflation.
Based on this, burial funeral costs are predicted to rise a further 20% in the next 5 years.
However, a prepaid funeral plan allows you to pay for your funeral at today’s rate, protecting loved ones from higher funeral costs in the future.
It also allows you to plan the funeral yourself, relieving this difficult burden from your loved ones.
Reassured can compare quotes from a variety of plan providers on your behalf, helping you find the one that’s most suitable.
Make the most of our award-winning service today - we don’t charge a fee.
According to the Cost of Dying report, the national average cost of a basic burial funeral is currently £5,033.
This amount includes the average cost of funeral directors’ services (to arrange and carry out the funeral) and the average cost of burial fees (including the cost of a burial plot).
However, the actual cost of burial funeral will vary depending on numerous factors including:
This amount also excludes the cost of optional extras, such as flower arrangements, a memorial and holding a wake.
The cost of a basic burial funeral can be broken down as follows:
Here’s a description of what both costs entail.
1. Funeral director fees
Funeral director fees are for the professional services carried out by the funeral director and staff for the funeral.
Their services, included in the average cost of a burial funeral at £5,033, include:
The level of service provided by a funeral director is changeable depending on the needs and budget of a client.
For example, you may feel that having a limousine is unnecessary as family members can drive their own vehicles to the venue.
It’s not obligatory to use a funeral director, however, many people choose to appoint the services of a professional to support them through a difficult time.
2. Third-party fees
Third-party fees are for additional services required for a traditional burial funeral.
The average cost of a burial funeral includes the following third-party fees:
Burial fees include the average cost of a burial plot and the average cost of interment fees (for the burial itself).
Burial fees, as described above, include the average cost of burial in a new double-depth burial plot.
Burial plots are actually leased for a period of time, rather than purchased permanently.
A lease is called an Exclusive Right of Burial and typically lasts between 50 - 100 years.
It ensures that multiple family members can use the burial plot and that no-one else can be buried there during that time.
The cost of a burial plot ranges from a few hundred pounds to a few thousand pounds depending on the location of the cemetery.
Other factors that determine the cost of a burial plot include:
As the cost of a burial plot varies so greatly across the UK, this cost cannot be covered in a prepaid funeral plan. However, a plot can be arranged and paid for in advance separately to a prepaid funeral plan.
Optional burial costs are for the additional elements of a funeral that aren’t essential but tend to be included.
The table below shows how much people spent on average in 2020 on the optional extras for a burial funeral:
|Optional extras||Average cost|
|Additional limousine hire||£336|
Adding these additional costs to the cost of burial in the UK brings the total average up to £7,565.
Other optional costs you may need to consider include:
Protect loved ones from the expense of your burial funeral with a prepaid funeral plan. See our funeral plan guide to learn more.
The average cost of a basic burial funeral varies significantly from region to region in the UK.
Find out the average cost of burial in your area using the table below:
|South East & East of England||£6,164|
|East and West Midlands||£5,383|
|Yorkshire and the Humber||£4,999|
|South West England||£4,718|
|North East England||£4,666|
|North West England||£4,152|
With no surprise, London is the most expensive location for a burial funeral. In fact, it’s a staggering 55.3% above the national average.
London has the most expensive cemeteries, and the cost of a burial plot is much higher in the city than any other region.
According to the Funeral Guide, Highgate Cemetery in London charges £21,975 for a burial (including the burial plot). However, this is more than twice as expensive as the average for the city.
Northern Ireland is the least expensive location for a burial funeral. In fact, it’s 41% below the national average.
The logistics of arranging a burial at sea can be complicated, which subsequently has an impact on the cost.
Firstly, a self-service marine license for sea burial must be purchased from the Marine Management Organisation (MMO), which costs £50.
Secondly, the services of a funeral director (perhaps with experience of arranging burials at sea) may be required.
They may charge upwards of a few thousand pounds, much like a traditional funeral on land.
There are also requirements as to the type of coffin and how it’s prepared for a sea burial.
For example, it must have holes drilled throughout and there must have 200kg of metal or concrete clamped to the base to ensure that the coffin sinks to the seabed.
There will also be third-party services to consider, including a boat hire company and crew that are experienced and equipped with handling a burial at sea.
This may cost an additional few thousand pounds. For example, ‘Burials at Sea’ based on the Isle of Wight charge a fixed rate fee of £2,385 for their services.
For an additional cost, they can arrange a suitable coffin, additional boat hire for mourners and liaise with a funeral director on your behalf.
There are three different locations in England where burials at sea are permitted to take place:
The cost of a woodland funeral depends on a number of factors including where the burial ground is in the UK and whether you choose to hold a service.
A burial plot in a natural woodland setting could cost from a few hundred pounds to a few thousand pounds.
You’d also need to consider the interment fee which could cost a few hundred pounds on top of the plot cost.
For example, Eden Valley Burials (operated by the Natural Death Centre Charity) charges £750 for an adult woodland grave and £400 for the interment.
In comparison, the City of London Cemetery charges £1,275 for an adult woodland grave and £1,700 for the interment.
Burial costs are significantly higher than cremation costs in the UK.
This is because, for a cremation, there’s no need to purchase a burial plot. Ashes can be scattered at the crematorium or at a place of meaning to the person who has passed, and there’s usually no cost for this.
With a burial, there’s more need to incorporate optional extras such as embalming for the funeral or a permanent memorial for the grave.
According to research carried out by SunLife, the average cost of a basic cremation funeral in the UK is £3,885.
Freeze your cremation or burial costs with a prepaid funeral plan through Reassured.
Plans start from as little as £19.11 a month and protect loved ones from higher funeral prices in the future.
Funeral expenses can cause a lot of financial stress for a family, particularly if a death is unexpected.
But there are several ways you can reduce the cost of a burial and minimise the financial impact.
By planning ahead for your own funeral, you could reduce the cost of burial for your family when the time comes.
This is because by taking out a prepaid funeral plan, you can pay for your essential funeral services in advance and lock-in today’s price for these.
Whilst funeral costs continue to rise at an unprecedented rate, a funeral plan could protect your loved ones from higher funeral prices in the future.
Learn more by getting in touch with the dedicated funeral plan team at Reassured.
It’s hard to contemplate that one day someone in your family may be responsible for covering your funeral costs.
However, why not guarantee your peace of mind by taking out a prepaid funeral plan today?
A funeral plan covers your key funeral costs at today’s rate and ensures that your loved ones are financially protected when the time comes.
You can pay for a plan in full or spread the cost, simply choose a payment option to suit your budget.
Reassured can help you arrange a fully guaranteed, FPA approved funeral plan for burial that starts from as little as £19.11 a month.
Make the most of our award-winning service today to secure your free, personalised quote.
†£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
 SunLife (2021), Cost of Dying Report, sunlife.co.uk/costofdying2021
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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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