What is the cost of dying in the UK?

The average cost of dying in the UK is £9,493, as published in the Sunlife Cost of Dying report 2020.

This alarming figure is the sum of all the costs associated with having a funeral, which includes:

  • A basic funeral
  • The send-off
  • Professional services


As reported, the cost of dying has risen faster than the cost of living (+42% since 2007), meaning many families struggle to cope with the expense.

But the cost of dying needn’t be a burden for any family.

More and more people are making the selfless decision to plan ahead and ensure adequate financial provisions are in place for their own funeral, for example with a funeral plan.

A funeral plan includes all the essential funeral services and freezes today’s price.

What is the Sunlife Cost of Dying report?

Sunlife, a leading financial products provider, has been studying the cost of dying and funeral costs in the UK for the last 16 years.

Since 2007, their findings have been published in the annual Cost of Dying report.

Although the data goes as far back as 2004 when they started tracking funeral costs.

The report breaks down the cost of dying and draws attention to various topics such as rising funeral costs and changes in funeral trends.

Continue reading to find out more about funeral costs in the UK and how you can protect your loved ones in the future, (as well as make significant savings)...

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How is the cost of dying calculated?

As mentioned, the average cost of dying in the UK is £9.493, but how is this sum calculated?

The break down is as follows:

  1. Average cost of a basic funeral £4,417
    Cremation or burial fees, funeral director services, doctor and minister or celebrant fees.
  2. Average amount spent on the send-off £2,306
    Order sheets, venue hire, additional limo(s), funeral flowers, death notice, funeral notice, memorial, catering, viewing of the body, embalming, live music and recorded music.
  3. Average amount spent on professional fees £2,771
    Hiring a professional to administer the estate.

As you can see, the most expensive element is the funeral, which amounts to 47% of the total cost of dying.

A basic funeral in the UK costs on average £4,417. But what does this figure include?

Funeral director fees: £2,687

This pays for a coffin, hearse, collection and care of the deceased, as well as support from the funeral director when arranging the funeral.

Third-party fees: £1,193 for a cremation, £2,288 for a burial

These are services separate to those of the funeral director, and include:

  • A doctor (to certify the death)
  • Minister or celebrant (to hold the funeral)
  • Cremation or burial fees

As briefly mentioned, a funeral plan allows you to pay for your funeral services in advance, at today’s price.

Funeral plans arranged through Reassured start from as little as £20.38* per month (or from £3,220* upfront) and include essential funeral director services and all third party fees.

Find out more by contacting a friendly member of our funeral plan team today.

Rising cost of funerals

Research has shown that the average cost of a funeral has risen 130% since 2004 - one of the reasons why the total cost of dying has risen so much.

They’ve predicted that in the next five years, funeral costs will rise a further 20%.

And our wages can’t keep up - only rising 22.6% in double the amount of time.

The average cost of dying could go beyond £10,000 in just three years’ time.

Meaning, without adequate provisions, affording your funeral could result in a further financial burden to your loved ones.

Avoid rising funeral costs with a funeral plan.

Funeral plans arranged through Reassured are fully guaranteed, which means the price you pay for the plan today remains fixed.

There are also flexible long-term and short-term payment options.

Plans start from as little as £20.38* per month, so secure yours today.

Cost of funerals infographic UK

Average cost of a funeral in the UK

As mentioned, the average cost of a funeral in the UK is currently £4,417 (+3.4% since 2018).

Though this figure represents the mean average of the cost of a burial and the cost of a cremation.

Breaking these down changes the average cost significantly:

  • Average cost of a burial is £4,975
  • Average cost of a cremation is £3,858

Average funeral costs also vary across regions in the UK.

For example, London is the most expensive place to have a funeral and Northern Ireland is the cheapest.

However, arranging a funeral plan is a standard cost regardless of your location and therefore, can help you save a significant amount of money, with the cheapest funeral plan costing only £3,220* in full.

Be mindful that some funeral plan providers offer regionalised pricing, which means the eventual cost of your funeral plan will depend on where you live in the UK.

Therefore, the price they advertise isn’t necessarily the price you’ll pay. Especially if you live in the more expensive parts of the UK, then the price may jump up significantly.

As mentioned, funeral plans arranged through Reassured offer fixed pricing, so that no matter where you live in the UK, the price remains the same.

How much does a funeral cost in your area?

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

Why are funerals so expensive in the UK?

According to the Sunlife Cost of Dying report 2018, funerals have become more expensive due to a number contributing factors.


For cremation, this includes:

  • Cuts to local authority funding by government
  • Rise in fuel prices
  • Mercury emissions abatement target


For burial, this includes:

  • Lack of space for new graves (rising burial costs)
  • Reduced local authority funding
  • Increased investment in cemetery infrastructure
  • Reduced number of burials, due to low death rate and more people opting for cremation


With the option to now take out a funeral plan, you’ll protect your loved ones from any future price increases and can choose to have either a burial or cremation.

How to reduce the cost of dying?

There are a number of ways to reduce the cost of dying and protect your loved ones from unnecessary costs.

Arrange your own funeral

Plan all the details of your funeral in advance - with a realistic budget in mind.

This means less pressure on your loved ones to get things right for the day or to overspend on unnecessary services.

You could plan and pay for your funeral in advance with a funeral plan, which Reassured can help you arrange.


Shop around for a funeral plan (and avoid rising costs)

Funeral plans include all the essential services required for a funeral, frozen at today’s price.

Most funeral plans, including those arranged through Reassured, are fully guaranteed.

This means that no matter how much prices rise, you’re loved ones won’t have any more to pay for your funeral when the time comes.

Funeral plan prices vary between providers, so it’s important to compare multiple plans.

You can do this for free using our FCA registered broker service today.


Have a cremation

As mentioned, a funeral with a cremation is cheaper than a burial.

This is because a burial plot isn’t required which can cost up to £1,000 on top of the funeral.


Consider a direct cremation

The average direct cremation costs £1,626, which is the cheapest type of funeral.

More and more are choosing this option, however, the traditional funeral is still favoured, where loved ones have the opportunity to say goodbye.


Choose a simple coffin

You can save significantly by opting for a simple coffin for your funeral. 

More affordable materials include cardboard, wicker and bamboo.


Implementing one or more of these could help save several thousands of pounds for your loved ones when the time comes.

Making financial provisions

There are several, affordable ways to set aside money for your funeral.


A funeral plan

With a funeral plan, you can beat rising funeral costs, arrange your own funeral in advance and have peace of mind that your family will have all the support they need when the time comes.

Funeral plans arranged through Reassured are fully guaranteed, which means they guarantee to cover all your essential funeral costs, including third-party fees.

Which means, even if your funeral takes place in 20 or 30 years’ time and there won’t be any more for your loved ones to pay.

Funeral plans arranged through Reassured offer flexible long term or short term payment options, and start from as little as £20.38* per month.


A life insurance policy

A life insurance policy, such as an over 50s plan, can cost from as little as 30p-a-day and can provide a significant pay out to ensure that the total cost of dying is covered.

See our article life insurance or funeral plan? if you need more help to decide.

We can help arrange either a funeral plan or life insurance policy at Reassured, so get in touch today to get your quotes.

In summary

The cost of dying in the UK has continually risen since 2007, albeit slowing down in recent years.

Rising funeral costs are mostly to blame, and loved ones are spending more on arranging the perfect send-off.

But there are ways to reduce the cost of dying and to ensure your loved ones aren’t put under any unnecessary stress during an already difficult time.

It’s important to make plans for the inevitable, whether that be sharing your funeral wishes with loved ones, or by taking out a funeral plan or life insurance policy for that extra financial security.

If you feel that your family may benefit from a form of financial protection for when you’re no longer around, get in touch with Reassured.

We are an award-winning, FCA registered broker service that dedicates our time to help you find the most suitable cover, at the best price (and we don’t charge a fee).

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Sources:

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

https://www.co-operativefuneralcare.co.uk/pre-paid-funeral-plans/

*£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)

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