What is the breakdown cost of a UK funeral? Reassured…
A funeral service can be delayed for as long as you need to make the arrangements.
Generally, between one and four weeks is enough time to plan and hold a funeral.
Nonetheless, in some situations, a funeral may need to be delayed for longer (or postponed indefinitely).
If so, then you may consider having an immediate direct cremation, followed by a memorial service in several weeks or months when it’s a better time.
It’s important to bear in my mind that there’s no legal requirement to hold a funeral, especially to hold a funeral within a specific time frame.
Continue reading this guide by award-winning life insurance broker, Reassured, to learn more…
Key considerations if delaying a funeral:
Whilst a funeral service can be postponed for an indefinite amount of time, the cremation or burial element of the funeral is a little more urgent.
In truth, your loved one should be in their final resting place within six weeks of passing.
If delays for the funeral are expected, and you wish to visit them in the chapel of rest, then the funeral director may recommend that your loved one is embalmed for preservation.
Sometimes a cremation or burial is delayed for reasons beyond a family’s control, for example, an inquest into the death has deferred funeral plans.
In any case, if you’ve received the death certificate and you need to delay the funeral service but want to ensure your loved one is laid to rest as soon as possible, then you may consider a direct cremation.
This means an unattended cremation can take place within a matter of days and a separate memorial service or celebration of life can be organised at a later date when the ashes have been returned.
The usual length of time between death and a funeral in the UK is about one to two weeks, although many funerals take place within three or four weeks.
Sometimes the time and date of a funeral is determined by the availability of the funeral director as it’s likely they’ll have prior commitments.
For a cremation funeral, you may experience minor delays if the crematorium is particularly busy and the chapel is booked up with ceremonies.
In general, burial funerals can be held quicker than cremation funerals - especially if the burial plot has been purchased in advance.
How soon you have a funeral after death may also depend on your religious beliefs, for example, Islamic families require a burial to take place as soon as possible after death.
It usually takes a week or two to make all the preparations for a traditional send-off, however, families in the UK aren’t restricted to this time frame (unless there are religious factors).
With the help of a funeral director, many of the practical aspects of a funeral are taken care of by them which ultimately speeds up the whole process.
However, sometimes longer is needed to plan the funeral; for example, if family members have made special requests or the deceased wished for a unique or alternative funeral.
Arrange your own funeral with a prepaid funeral plan
A prepaid funeral plan allows you to plan and pay for your own funeral in advance and at today’s price.
It means you can protect loved ones from the difficult task of arranging your funeral as well as protect them from higher funeral fees in the future (prices have risen 128% since 2004).
A funeral plan may also help resolve any complications surrounding your final farewell when the time comes, minimising the chance of delays.
Get in touch with Reassured to learn more about our prepaid funeral plans. Prices start from just £19.11* a month.
Whilst some funerals can be held a week or two after death, sometimes it’s necessary to delay a funeral.
No two situations are the same, but some of the reasons to delay a funeral include:
There are some cases in which a funeral must be deferred, for example, if the death has been reported to a coroner.
It may only take a few days for the coroner to clarify the cause of death, however slightly longer delays can occur if they need to carry out further investigations.
Until the coroner is satisfied with cause of death, you won’t be able to obtain a death certificate - which makes it difficult to make firm arrangements for the funeral.
However, a coroner won’t keep hold of a person for any longer than what’s necessary for the inquest. They’ll arrange for the body to be transported to the funeral director as soon as possible so you can finalise funeral plans.
It’s a difficult decision to postpone a funeral service, as some relatives may crave the closure more so than others.
However, there are some things you can do during this deferred period before you can officially say a last goodbye at the funeral service.
There are some situations in which holding a funeral service is a practical or financial struggle, along with being an emotional endeavour.
Some reasons why a traditional funeral service may seem unsuitable:
What you can do instead of a traditional funeral with everyone present:
Direct cremation is the affordable alternative to a traditional funeral with full-length service.
With direct cremation, there’s no funeral service or ceremony before the deceased is cremated.
This means no hearse, no limousines, no pallbearers, no flowers and no mourners.
Direct cremation can resolve some practical issues of arranging a funeral, particularly during a pandemic.
Once your loved one has been laid to rest after direct cremation, there’s no rush to organise the memorial service.
You can simply wait until there’s a better time, possibly when family and friends are able to get together for the occasion.
One of the advantages of direct cremation is that you can hold a memorial service or celebration of life that doesn’t comply with tradition and doesn’t come at the cost of a traditional send-off.
95% of funeral directors provide direct cremation services. It’s also possible to have a direct burial but these are much less common.
We cover some other questions you may have regarding funeral delays…
How much will it cost to delay a funeral?
If you have chosen to delay a funeral, then you should speak with your funeral director regarding additional charges for keeping your loved one in their care.
The cost of your funeral services package may cover these types of circumstances. Especially if a funeral needs to be delayed for reasons beyond your control.
When can you hold a funeral?
The most common time to hold a funeral is around midday during the week.
Weekend and bank holiday services tend to cost more money and may not be possible with some funeral directors. Saturday morning is the most popular time for a weekend funeral.
Early morning weekday slots are the most affordable, but may not be convenient for everyone to attend.
How long after death can you have a viewing?
Family viewing at the chapel of rest usually takes place a few days after death. This allows enough time for the funeral director to prepare and dress the deceased beforehand.
If the funeral is delayed, then you may need to delay the viewing as well. This is possible but the funeral director will probably recommend that the body is embalmed for preservation.
How long does embalming last?
Embalming simply slows down the changes a body goes through after death.
How long it lasts depends on the condition of the body prior to embalming as well as the strength of embalming fluid. It also depends on where the body is held afterwards.
This means the lasting effects of embalming is largely unknown, but it could be from one week to many months.
How long can a body stay in the mortuary?
Usually, a body can stay in the mortuary at the funeral home or hospital for as long as needed before the funeral.
Cold temperatures in the mortuary help to preserve a body but like with embalming, it won’t stop nature from taking its course eventually.
How long can a body be refrigerated?
A body can be refrigerated for three to four weeks, but if you need to delay the funeral then it can remain there a little longer.
If the body is embalmed, then there’s no need for refrigeration.
Don’t delay your own funeral plans
A prepaid funeral plan will give you peace of mind that your funeral is arranged and paid for in advance, protecting loved ones when the time comes.
At Reassured, we can offer a variety of funeral plans to suit different needs and budgets.
We compare multiple quotes efficiently on your behalf, saving you the hassle.
You can also choose from a range of flexible payment options.
Funeral plans purchased through Reassured are approved by the Funeral Planning Authority (FPA).
We’re also an award-winning, FCA-regulated broker with more than 50,000 Trustpilot reviews rating us as ‘Excellent'.
 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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