Simplicity funerals offer simple, fuss-free direct…
Planning a funeral is stressful enough without having to get your head around all the costs involved.
To help, Reassured has put together this comprehensive guide on the cost of cremation in the UK.
We look at the average cost of a direct cremation, the average cost of a cremation funeral and other cremation costs that may need to be considered.
We also look at the cheapest and most expensive places to have a cremation, how you can save money on cremation costs and why a cremation is more affordable than a burial.
The data in this article has been sourced from the SunLife Cost of Dying Report 2021.
Avoid rising cremation costs with a prepaid cremation plan
Between 2004 and 2019, the average cost of a cremation funeral increased by 123%.
It’s expected that cremation fees could increase by another 20% in the next 5 years.
However, by taking out a prepaid cremation funeral plan today, you could protect loved ones from higher prices in the future.
This is because the services included in a plan are locked in at today’s price.
You can also take charge of all the arrangements so that your loved ones have less to worry about when the time comes.
Secure a funeral plan through Reassured from as little as £19.11* a month.
In the UK, the average cost of a cremation without a funeral service is currently £1,554.
A cremation without a funeral service is also known as a direct cremation.
In 2020, the number of direct cremations increased significantly due to the coronavirus pandemic.
This type of send-off costs around 60% less than the average cost of cremation with a funeral service.
It’s also 70% cheaper than the average cost of a burial with a funeral service.
The cost of a cremation with simple funeral service can be broken down as follows...
As well as funeral director’s fees and third-party fees, a cremation funeral tends to include additional extras that make the send-off.
In 2020, people spent on average £2,532 on additional extras which are optional for a funeral.
|Optional extras||Average cost|
|Additional limousine hire||£336|
Other optional costs you may need to consider include:
In England, the cost of cremation with funeral service varies from region to region.
The table below shows the average cost of a cremation funeral by region in the UK in 2020.
|South East & East of England||£4,600|
|East and West Midlands||£4,174|
|Yorkshire and the Humber||£4,014|
|South West England||£3,964|
|North West England||£3,656|
|North East England||£3,531|
As you can see, the South East & East of England have the highest average cremation funeral cost at £4,600, (18.4% higher than the national average).
Northern Ireland, however, has the lowest average cremation funeral cost at £3,322, (14.5% lower than the national average).
As well as cost, there are many things to consider when planning a cremation funeral, from the type of service it will be to, what music will be played.
If you’re using a funeral director, they’ll be able to help with most of the arrangements and can advise on many aspects.
For information on planning a cremation funeral, head to our planning a funeral guide »
The average cost of cremation funeral is around 20% cheaper than the average cost of a burial funeral.
This is because of the additional costs involved with having a burial funeral.
On top of funeral director fees and third-party fees, there is:
Burial plots vary in price across the UK and usually start from around a few hundred pounds.
The most expensive burial grounds tend to be in central London.
Burial funerals are also more expensive because a grave is usually marked with a memorial or headstone (unless it’s an eco-burial which doesn’t require either of these).
If cost is a concern for you and your family, then there are a number of things you can do to keep costs down whilst also organising the perfect send-off for a loved one.
Shop around and compare quotes
Whilst you’re dealing with a loss, it may seem like the easiest option to go with the first funeral director that provides you with a quote.
However, prices will differ between funeral directors and their associated crematoriums.
Therefore, it’s worth shopping around and comparing quotes from a number of local providers.
This can be done quickly online, where you can also check their reviews and credibility.
The bigger funeral providers, such as Co-op Funeralcare, offer a broad range of services at competitive prices.
The same can be said for caterers, florists and venue hire - compare prices to find the right option that best suits your budget.
Pick an off-peak slot
You can save money by choosing an off-peak time slot for the cremation.
For example, early morning weekday slots tend to be cheaper than any other time.
Keep it low-key
People tend to overspend on funerals because they say ‘yes’ to unnecessary products and services, thinking it’s what their loved one would have wanted.
However, the financial repercussions of this can be devastating.
It’s sensible to be realistic about what you can afford and to be open about this with your funeral director.
They can help you choose a simple coffin and can advise on affordable memorial options if this is what you require.
You could also cut back on optional extras, for example, flowers could be kept to a minimum and family could take their own transport to the service, instead of using expensive limousines.
Consider a direct cremation
As mentioned, a direct cremation costs around 60% less than a traditional cremation funeral.
This means there is no funeral procession, no funeral service, and no mourners in attendance.
Instead, the cremation takes place at a time and date to suit the crematorium and, following this, the ashes are either collected by loved ones or delivered to them.
This gives loved ones the opportunity to arrange a separate celebration of life, memorial service or get-together at time and place convenient for them.
Have a ‘Do It Yourself’ funeral
There’s no law to say that a funeral director must be used to carry out a cremation funeral.
Family members could handle all the arrangements themselves instead.
However, it could be quite stressful and time-consuming as there are many elements for them to consider.
A DIY funeral would include the following arrangements:
A funeral plan allows you to plan and pay for your cremation funeral in advance, protecting loved ones from the obligation in the future.
As funeral costs continue to rise, it’s also a benefit that you can lock-in today’s rate.
Funeral plans arranged through Reassured cost from as little as £19.11 a month.
Make the most of our fee-free service today to get your best quote.
 SunLife (2021), Cost of Dying Report, sunlife.co.uk/costofdying2021
*£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
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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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