Top 10 Best Funeral Plans [2026]

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Top 10 funeral plans

1. Co-op Funeralcare: Gold plan
2. Dignity: A funeral with a service
3. Co-op Funeralcare: Silver plan
4. Choice: Plus plan
5. Choice: Essentials plan
6. Dignity: Grace plan
7. Memoria Funerals: Celebration of Life
8. Crystal Funeral Planning: Traditional Funeral
9. With Grace: Violet plan
10. Golden Charter: Select plan
Top 10 direct cremation plans
Top 10 funeral plans verdict
Funeral plan FAQs

Key insights

Co-op Funeralcare’s Gold plan ranks number one in our top 10 list as it’s received the highest scores from independent ratings companies, Defaqto & Fairer Finance
Co-op’s Gold and Silver plans are the only plans that fully guarantee third-party fees for a cremation or burial, covering essential costs that must be paid when someone passes away
The Choice Essentials plan is the cheapest option featuring in our list, with the price starting from £2,800
Dignity, Choice and Golden Charter offer the most flexible plans, with options to add or upgrade products and services for personalisation
Plans offered by Memoria, Crystal Funeral Planning and With Grace don’t include the option of a burial

What are the top 10 funeral plans in the UK?

To help you find the best option for your needs, we’ve researched and compared the top 10 funeral plans for a traditional attended funeral.

Our rankings are based on the following criteria:

Expert ratings from Defaqto & Fairer Finance

Each funeral plan is assigned a rating from 0 to 5 stars. A higher rating indicates that the plan offers a higher-quality range of features and benefits

Customer satisfaction scores from Trustpilot

Each funeral plan provider receives an overall customer rating from 0 to 5 stars, based on customer feedback about the quality of its service

UK wide availability

All plans appearing in our list are available at the same price across the UK

Plus, all providers in this guide are authorised and regulated by the Financial Conduct Authority (FCA).

Rank	Plan	Price
1.	Co-op Funeralcare: Gold plan	From £4,160	5/5 stars	5/5 stars	4.7/5 stars
2.	Dignity: A funeral with a Service	From £3,850	5/5 stars	N/A	4.8/5 stars
3.	Co-op Funeralcare: Silver plan	From £3,975	4/5 stars	4/5 stars	4.7/5 stars
4.	Choice: Plus plan	From £3,095	3/5 stars	4/5 stars	4.9/5 stars
5.	Choice: Essentials plan	From £2,800	3/5 stars	4/5 stars	4.9/5 stars
6.	Dignity: Grace plan	From £4,409	3/5 stars	4/5 stars	4.8/5 stars
7.	Memoria Funerals: Celebration of Life	From £3,745	3/5 stars	4/5 stars	4.8/5 stars
8.	Crystal Funeral Planning: Traditional Funeral	From £3,695	3/5 stars	4/5 stars	4.6/5 stars
9.	With Grace: Violet plan	From £3,595	3/5 stars	4/5 stars	4.3/5 stars
10.	Golden Charter: Select plan	From £4,150	4/5 stars	2/5 stars	4.3/5 stars

Please note: The information in this table and guide is correct as of 07/26 and is subject to change.

How to use this guide

This guide explores the key features, pricing, payment options and cancellation fees for each funeral plan in our top 10 list, so you can easily compare these in one place.

While we’ve included as much information as possible to help you navigate your options, there may be other factors and costs to consider before buying a plan.

If you need any more information, you may wish to visit a provider’s website directly.

1. Co-op Funeralcare: Gold plan

Price from £4,160

Key highlights:

Rated 5/5 stars by Fairer Finance and Defaqto
Covers a cremation or burial with a funeral service for loved ones
Includes two limousines, choice of coffins and flexible procession route
Guarantees all third-party fees (cremation or burial fees and officiant’s fees)
Make changes to the plan at any time

Taking first place in our top 10 list is Co-op Funeralcare’s Gold funeral plan.

This is one of the most comprehensive plans on the market, offering a broad range of guaranteed funeral services at a fixed price.

Co-op Funeralcare is a leading UK provider with over 800 funeral homes across the country.

They’ve been awarded the ‘Best Funeral Plan Provider’ by Moneynet for nine years running.

What does the plan include?

Feature	Included in the cost?
Collection and care of the deceased	within 50 miles
Hearse
Coffin	choice of two
Cremation or burial fees	excluding cost of a burial plot
Officiant’s fees (for the service)
Limousines	two limousines for up to 12 people
Funeral procession	flexible route up to 20 miles
Choose funeral date (excluding weekends), time & location
Visit to remembrance room	visit at any time by prearrangement
Pallbearers to carry the coffin	or use of a wheeled bier

The plan also includes:

Memorial photograph on canvas
Removal of medical devices, such as some types of pacemaker
Funeral wishes form (specify your choice of flowers, music, or any other detail)
A free call from the Co-op Funeral Bereavement Support Team
Embalming can be added for an additional cost

How much does the plan cost and what are the payment options?

The starting price is £4,160. You can choose to pay in one of the following ways:

Pay in one single lump sum
Spread the cost in monthly payments over 6 or 12 months with no extra fees
Pay monthly over 2 to 25 years (payments must end by your 80^th birthday, additional instalment fees apply)

If you pay by monthly instalments and pass away because of an accident within the first 12 months of the plan, Co-op will still provide the services included in your plan.

If you pass away after 12 months, Co-op will still provide all the services included in your plan, even if it’s not fully paid off.

Things to consider

Extras such as flowers, catering, funeral notices and order of service cannot be added to the plan. Loved ones would need to pay for these when the time comes
For a cremation, ashes would need to be collected from the funeral home
Cancellation fee after 30 days is £125

What other plans does Co-op offer?

Direct cremation plan - £1,700
Simple plan - £2,995
Bronze plan - £3,685
Silver plan - £3,975

2. Dignity: A funeral with a service

Price from £3,850

Key highlights:

Rated 5/5 stars by Defaqto
Covers a cremation or burial with a funeral service for loved ones
Can be personalised to suit your needs and budget
Third-party cremation or burial fees are covered
Make changes to the plan at any time

Runner up in our top 10 list is Dignity’s ‘A funeral with a service’ plan.

This is a bespoke option that allows you to add and upgrade funeral elements to suit your wishes and budget.

For example, if a horse drawn carriage is more your style, you can choose this instead of a traditional hearse for an additional cost.

It’s also possible to make additional contributions towards extras such as flowers, order of service and a memorial.

Dignity is leading funeral provider with a nationwide network of over 800 funeral directors.

What does the plan include?

As a bespoke plan, what’s included will depend on how you choose to personalise it.

Features	Included in the cost?
Collection and care of the deceased	within 50 miles
Hearse
Coffin	choice of coffins
Cremation or burial fees	excluding cost of a burial plot
Officiant’s fees (for the service)	but can be added for an additional cost
Limousines	but can be added for an additional cost
Funeral procession	but can be added for an additional cost
Choose funeral date (excluding weekends), time & location
Visit to remembrance room
Pallbearers to carry the coffin

The plan also includes:

Return of ashes in a simple container (for cremation)
Free bereavement helpline service for loved ones

How much does the plan cost and what are the payment options?

Without any personalisation or added extras, the plan price is £3,850.

There are two payment options:

Pay in one single payment
Spread the cost in monthly payments over 5 years (plan must be paid before your 85th birthday)

If you pay by monthly instalments and pass away after the first 24 months, Dignity will still provide the services included in the plan, even if you’ve not fully paid off the plan.

Things to consider

Not all third-party fees are covered
Adding or upgrading services will increase the total cost of the plan
Any contributions made towards additional products and services may not fully cover the cost of these if prices rise over time
Cancellation fee after 30 days is £249

What other plans does Dignity offer?

A funeral without a Service bespoke plan – from £1,899
Direct cremation - £1,899
Essence - £3,850
Grace - £4,409
Signature - £4,967

3. Co-op Funeralcare: Silver plan

Price from £3,975

Key highlights:

Rated 4/5 stars by Fairer Finance and Defaqto
Covers a cremation or burial with a funeral service for loved ones
Guarantees all third-party fees (officiant’s fee, church fees and cremation or burial fees)
Includes one limousine, choice of coffin and flexible funeral procession
Make changes to the plan at any time

The Silver plan is another comprehensive option offered by Co-op Funeralcare.

Like their Gold plan, it includes everything needed for a traditional cremation or burial funeral, including all third-party fees.

The plan also provides a limousine, choice of coffins and a flexible procession route, allowing you to personalise some elements.

What does the plan include?

Feature	Included in the cost?
Collection and care of the deceased	within 50 miles
Hearse
Coffin	choice of two
Cremation or burial fees	excluding cost of a burial plot
Officiant’s fees (for the service)
Limousines	one limousine for up to 6 people
Funeral procession	flexible route up to 20 miles
Choose funeral date (excluding weekends), time & location
Visit to remembrance room	visit at any time by prearrangement
Pallbearers to carry the coffin	or use of a wheeled bier

The plan also includes:

Removal of medical devices, such as pacemakers
Free call from the Co-op Funeral Bereavement Support Team

How much does the plan cost and what are the payment options?

The price is £3,975. There are three payment options:

Pay in one single payment
Pay monthly over 6 or 12 months with no extra frees
Pay monthly over 2 to 25 years (plan must be paid by your 80^th birthday, instalment fees apply)

If you pay by monthly instalments and pass away because of an accident within the first 12 months of the plan, Co-op will still provide the services included in your plan.

If you pass away after 12 months, Co-op will still provide all the services included in your plan, even if it’s not fully paid off.

Things to consider

Embalming can be added for an additional cost
Extras such as flowers, catering, newspaper notices, and order of service cannot be added to the plan. Loved ones would need to pay for these when the time comes
For a cremation, ashes would need to be collected from the funeral home
Cancellation fee after 30 days is £125

What other plans does Co-op offer?

Direct cremation plan - £1,700
Simple plan - £2,995
Bronze plan - £3,685
Gold plan - £4,160.

4. Choice: Plus plan

Price from £3,095

Key highlights:

Rated 3/5 stars by Defaqto and 4/5 stars by Fairer Finance
Covers a cremation or burial with a family-led funeral service
Gives you the option to contribute towards third-party fees and extras such as flowers, order of service or memorial
Includes one limousine and embalming
Make changes to the plan at any time
No cancellation fee

Choice offers three straight-forward and cost-effective funeral plan options.

The Plus plan is the most extensive funeral package of all three and is suitable for those who’d like a traditional cremation or burial funeral with an attended service.

While it doesn’t cover essential third-party fees as standard - which is reflected in the lower price - you can choose to make a voluntary contribution towards these expenses as part of your plan.

Choice is the brand name of a funeral planning company which has a network of over 290 funeral homes nationwide.

What does the plan include?

Feature	Included in the cost?
Collection and care of the deceased	within 60 miles
Hearse
Coffin
Cremation or burial fees	but can be added for an additional cost
Officiant’s fees (for the service)	but can be added for an additional cost
Limousines	one limousine
Funeral procession
Choose funeral date (excluding weekends), time & location
Visit to remembrance room	visit at any time by prearrangement
Pallbearers to carry the coffin

The plan also includes:

Professional embalming
An online memorial tribute web page, with the option for charitable donations
Removal of medical devices, such as pacemakers
A standard scatter tube for a cremation or grave marker for a burial
Option to have the ashes scattered (unattended) at the Garden of Remembrance
Religious traditions or rituals could be accommodated

How much does the plan cost and what are the payment options?

The cost is from £3,095, depending on how you choose to personalise the plan. There are three payment options to choose from:

Pay in one single payment
Pay monthly over 12 months with no extra fees
Pay monthly over 12 months up to 10 years (plan must be paid by your 85^th birthday, instalment fees apply)

If you pay by monthly instalments and pass away after 12 months of taking out the plan, Choice will still provide the services included in your plan, even if it’s not fully paid off.

Things to consider

Adding or upgrading services will increase the total cost of the plan
Any contributions made towards extras or third-party fees are not guaranteed at today’s prices

What other plans does Choice offer?

Choice Essentials plan - From £2,800
Unattended cremation plan - From £1,895

5. Choice: Essentials plan

Price from £2,800

Key highlights:

Rated 3/5 stars by Defaqto and 4/5 stars by Fairer Finance
Covers a cremation or burial with a family-led funeral service
Gives you the option to contribute towards third-party fees and extras such as flowers, order of service or memorial
Make changes to the plan at any time
No cancellation fee

Coming in at number five is the Choice Essentials plan. This is the cheapest plan in our top 10 list, offering a simple cremation or burial funeral, with the option to add or upgrade certain elements for personalisation.

Third party fees (cremation or burial fees and officiant fees) are not included as standard, however, you can choose to make a voluntary contribution towards these costs.

What does the plan include?

Feature	Included in the cost?
Collection and care of the deceased	within 60 miles
Hearse
Coffin
Cremation or burial fees	but can be added for an additional cost
Officiant’s fees (for the service)	but can be added for an additional cost
Limousines	but can be added for an additional cost
Funeral procession
Choose funeral date (excluding weekends), time & location
Visit to remembrance room	visit at any time by prearrangement
Pallbearers to carry the coffin

The plan also includes:

An online memorial tribute web page, with the option for charitable donations
Removal of medical devices, such as pacemakers
A standard scatter tube for a cremation or grave marker for a burial
Option to have the ashes scattered (unattended) at the Garden of Remembrance
Religious traditions or rituals could be accommodated

How much does the plan cost and what are the payment options?

Without any personalisation, the cost of the plan is £2,800. You can choose from three payment options:

Pay in one single payment
Pay monthly over 12 months with no extra frees
Pay monthly over 13 months for up to 10 years (plan must be paid by your 85^th birthday, instalment fees apply)

If you pay by monthly instalments and pass away after 12 months of taking out the plan, Choice will still provide the services included in your plan, even if it’s not fully paid off.

Things to consider

Adding or upgrading services will increase the total cost of the plan
Any contributions made towards extra services or third-party fees are not guaranteed at today’s prices

What other plans does Choice offer?

Choice Plus plan - £3,095
Choice cremation plan - £1,895

6. Dignity: Grace plan

Price from £4,409

Key highlights:

Rated 3/5 stars by Defaqto and 4/5 stars by Fairer Finance
Covers a cremation or burial with a funeral service for loved ones
Gives you the option to contribute towards extras such as flowers, order of service or memorial
Includes one limousine
Third-party cremation or burial fees and officiant’s fees are covered
Make changes to the plan at any time

Taking sixth place in our top 10 list is the Dignity Grace funeral plan.

This comprehensive option offers fixed cover for a traditional cremation or burial funeral, with a range of quality products and services guaranteed at today’s prices.

Sitting at the higher end of the market, the Grace plan also allows you to personalise certain elements and add voluntary contributions towards these if you wish.

What does the plan include?

Feature	Included in the cost?
Collection and care of the deceased	within 50 miles
Hearse
Coffin
Cremation or burial fees	excluding cost of a burial plot
Officiant’s fees (for the service)
Limousines	one limousine
Funeral procession
Choose funeral date (excluding weekends), time & location
Visit to remembrance room	visit at any time by prearrangement
Pallbearers to carry the coffin

The plan also includes:

Return of ashes in a simple container (for cremation)
Free bereavement helpline service for loved ones

How much does the plan cost and what are the payment options?

The cost is £4,409. There are two payment options:

Pay in one single payment
Spread the cost in monthly payments over 5 years (plan must be paid before your 85th birthday)

If you pay by monthly instalments and pass away after the first 24 months, Dignity will still provide the services included in the plan, even if you’ve not fully paid off the plan.

Things to consider

Cancellation fee after 30 days is £249
Any contributions made towards additional services are not guaranteed at today’s prices

What other plans does Dignity offer?

A funeral without a service bespoke plan – from £1,899
A funeral with a service bespoke plan – from £3,850
Direct cremation - £1,899
Essence - £3,850
Signature - £4,967

7. Memoria Funerals: Celebration of Life

Price from £3,745

Key highlights:

Rated 3/5 stars by Defaqto and 4/5 stars by Fairer Finance
Covers a cremation only funeral with family-led service
Gives you the option to contribute towards extras such as a limousine, hearse or officiant
Third-party cremation fees are covered
Make changes to the plan at any time
Includes nationwide collection

The Memoria Celebration of Life plan is a mid-tier option that covers a cremation and simple attended funeral service for loved ones.

Sitting between a direct cremation and a traditional funeral plan, it doesn’t include all of the usual traditional elements, such as a hearse or limousine. However, these can be added for an additional cost.

Your family also have the flexibility to hold the funeral service at any time, with no limit on the number of attendees.

Memoria Funerals is part of the Memoria Group which own a network of award-winning crematoria across the UK and work with independent funeral directors to provide a range of funeral services.

What does the plan include?

Feature	Included in the cost?
Collection and care of the deceased	UK wide
Hearse	but can be added for an additional cost
Coffin
Cremation or burial fees	cremation fees only
Officiant’s fees (for the service)	but can be added for an additional cost
Limousines	but can be added for an additional cost
Funeral procession
Choose funeral date (excluding weekends), time & location	including weekends
Visit to remembrance room
Pallbearers to carry the coffin

The plan also includes:

Private ambulance which can be upgraded to a hearse for an additional cost
Removal of medical devices, such as pacemakers
Online funeral notice
Ashes returned to loved ones or scattered in the memorial gardens
Free specialist support for loved ones

How much does the plan cost and what are the payment options?

The price starts from £3,745 depending on personalisation, such as whether you choose to add a limousine. You can pay in one single payment or in monthly instalments up to five years which can be arranged through a funeral finance provider.

Things to consider

Cancellation fee after 30 days is £95
Choice of a burial is not included
Extras such as flowers, catering, newspaper notices, and order of service cannot be added to the plan. Loved ones would need to pay for these when the time comes

What other plans does Memoria offer?

Celebration of life – from £3,295
Direct cremation plan - £1,425

8. Crystal Funeral Planning: Traditional Funeral

Price from £3,695

Key highlights:

Rated 3/5 stars by Defaqto and 4/5 stars by Fairer Finance
Covers a cremation with a funeral service for loved ones
Guarantees all third-party fees (crematorium, doctor, and officiant fees)
Make changes to the plan at any time
Includes nationwide collection

One of three prepaid plans offered by Crystal Funeral Planning, the Traditional funeral plan is their top-tier option which includes services for a traditional cremation.

Unlike most other plans in our top 10 list, it guarantees all third-party costs, which include cremation, doctor and officiant fees.

Crystal Funeral Planning are a small, independent funeral plan provider with a network of funeral directors across the UK and over 30 years experience.

What does the plan include?

Feature	Included in the cost?
Collection and care of the deceased	UK wide
Hearse
Coffin
Cremation or burial fees	cremation fees
Officiant’s fees (for the service)
Limousines	can be added for an additional cost
Funeral procession
Choose funeral date (excluding weekends), time & location
Visit to remembrance room
Pallbearers to carry the coffin

The plan also includes:

Return of ashes in a simple container (for cremation)

How much does the plan cost and what are the payment options?

The cost is from £3,695, depending on personalisation, such as whether you choose to add a limousine. Crystal Funeral Planning offer flexible payment options, including:

Pay in one single payment
Spread the cost over 24 months (no extra fees)

Things to consider

Cancellation fee after 30 days is £249
Choice of a burial is not included
Extras such as flowers, catering, newspaper notices, and order of service cannot be added to the plan. Loved ones would need to pay for these when the time comes

What other plans does Crystal Funeral Planning offer?

Celebration of Life – From £3,295
Direct cremation plan - £1,425

9. With Grace: Violet plan

Price from £3,595

Key highlights:

Rated 3/5 stars by Defaqto and 4/5 stars by Fairer Finance
Covers a cremation only with funeral service for loved ones
Guarantees all third-party fees (crematorium and officiant fees)
Make changes to the plan at any time
Includes nationwide collection and choice of procession route

The Violet plan provided by With Grace is another option that offers affordable cover for a cremation with traditional service.

As a mid-tier option, it includes everything you need for a simple yet personalised send-off. Your family would just need to pay for optional extras such as flowers and catering when the time comes.

With Grace is a highly rated funeral plan provider, and funeral director, offering services throughout the UK.

What does the plan include?

Feature	Included in the cost?
Collection and care of the deceased	UK wide
Hearse
Coffin
Cremation or burial fees	cremations fees only
Officiant’s fees (for the service)
Limousines
Funeral procession
Choose funeral date (excluding weekends), time & location
Visit to remembrance room
Pallbearers to carry the coffin

The plan also includes:

Ashes are prepared for loved ones to collect or the ashes can be scattered in the Garden of Remembrance
Removal of medical devices, such as pacemaker
Free specialist support for loved ones

How much does the plan cost and what are the payment options?

The fixed cost is £3,595. There are three payment options to choose from:

Pay in one single payment
Pay over 12 or 24 months (no extra fees apply)
Spread the cost in monthly payments over three to five years (instalment charges apply)

If you pay by monthly instalments and pass away after the first 24 months, With Grace will still provide all the services included in your plan, even if it’s not fully paid off.

Things to consider

Cancellation fee is £99 after 30 days, or after 24 months if paying by instalments
Extras such as flowers, catering, newspaper notices, and order of service cannot be added to the plan. Loved ones would need to pay for these when the time comes

What other plans do With Grace offer?

Direct cremation - £1,595
Rose cremation - £2,295
Bluebell cremation - £2,895

10. Golden Charter: Select plan

Price from £4,150

Key highlights:

Rated 4/5 stars by Defaqto and 2/5 stars by Fairer Finance
Covers a cremation or burial with a funeral service for loved ones
Gives you the option to contribute towards extras such as flowers, order of service or catering
Make changes to the plan at any time
Includes nationwide collection

In final place is the Select Plan provided by Golden Charter, one of the UK’s largest funeral plan providers.

As their most comprehensive option, the Select plan offers a good range of products and services for a traditional cremation or burial funeral, as well as a contribution towards third-party fees.

You can also choose to add extra services such as flowers, newspaper notices, a reception, catering and orders of service for an additional cost.

Golden Charter has helped over 1 million people arrange their funeral in advance and has a network of over 3,000 funeral directors across the UK.

What does the plan include?

Feature	Included in the cost?
Collection and care of the deceased	within 25 miles
Hearse
Coffin
Cremation or burial fees	£1,100 allowance towards these costs
Officiant’s fees to carry out the service
Limousines	one limousine
Funeral procession
Choose funeral date (excluding weekends), time & location
Visit to remembrance room	visit at any time by prearrangement
Pallbearers to carry the coffin

The plan also includes:

Ashes returned to family or scattered in the garden of remembrance (for cremation)
Free bereavement support for loved ones

How much does the plan cost and what are the payment options?

The fixed cost is £4,150. There are three flexible payment options:

Pay in one single payment
Pay over 12 months (no extra fees)
Spread the cost over 2 to 15 years (instalment fees apply, plan must be paid before your 80th birthday)

Both monthly payment options require a £49 deposit.

If you pass away after the first 12 months, Golden Charter will provide your chosen funeral services, even if your plan hasn’t been paid in full.

Things to consider

Cancellation fee is £350 after 30 days or after 12 months if paying by monthly instalments
Any contributions made towards extra services are not guaranteed at today’s prices

What other plans does Golden Charter offer?

Standard plan – from £3,800
Unattended cremation plan – from £1,950

Top 10 direct cremation plans

In the table below, we’ve listed the top 10 direct cremations funeral plans currently available in the UK.

These plans are designed to cover direct cremation only. This means the cremation takes place without a funeral service.

Rank	Plan	Price
1.	Aura: Unattended Direct Cremation	From £1,795	3/5 stars	5/5 stars	4.9/5 stars
2.	Celebration of Life Planning: Direct Cremation	From £1,650	3/5 stars	5/5 stars	4.9/5 stars
3.	Memoria: Direct Cremation	From £1,595	3/5 stars	5/5 stars	4.9/5 stars
4.	With Grace: Direct Cremation	From £1,595	3/5 stars	5/5 stars	4.9/5 stars
5.	Choice: Unattended Cremation	From £1,895	3/5 stars	4/5 stars	4.9/5 stars
6.	Farewill: Direct Cremation	From £1,595	3/5 stars	3/5 stars	4.9/5 stars
7.	Distinct Cremations: Unattended Direct Cremation	From £1,795	3/5 stars	3/5 stars	4.9/5 stars
8.	Golden Leaves: The Copper Plan	From £1,700	3/5 stars	3/5 stars	4.8/5 stars
9.	Simplicity Cremations: Direct Cremation	From £1,799	3/5 stars	3/5 stars	4.8/5 stars
10.	Co-op Funeralcare: Direct cremation	From £1,700	3/5 stars	3/5 stars	4.7/5 stars

Please note: The information in this table is correct as of 07/26 and is subject to change.

Top 10 funeral plans verdict

The funeral plans in this guide have been listed based on expert ratings and customer feedback, but the right plan for you will depend on your personal preference, budget and the level of protection you want to leave behind for your family.

Taking time to compare prices, features and payment options can help you understand what’s available and identify which plans offer the best value for your needs.

Have you also considered over 50s life insurance?

A prepaid funeral plan may not be suitable for everyone, but fortunately, there are alternatives to consider.

For example, you could help your family cover funeral costs with an over 50s life insurance pay out.

Over 50s life cover is designed for UK residents aged 50–85 and offers guaranteed acceptance. It provides your family with a cash lump sum when you pass away.

Over 50s life insurance costs from £5 a month through Reassured⁺.

Compare Over 50s Life Insurance Quotes »

Funeral plan FAQs

What to look for in a funeral plan?

Some of key features to look for in a funeral plan include:

Third-party fees: Does the plan cover essential third-party costs, such as cremation or burial fees, officiant or doctor’s fees?
Flexibility: Can you make changes to the plan, add or remove services, or personalise elements at any time, if this is something you’d like to be able to do?
Cancellation fees: Is there a cancellation fee if you change your mind later down the line? If so, how much could this set you back?
Payment options: Do they offer a payment option that suits your budget? Have you considered instalment fees that may be charged?
FCA regulation: Is the plan provider regulated? How is your money protected until your plan is needed?

Which funeral plan offers the best overall value?

The funeral plan that offers best overall value will depend on your individual needs and budget.

However, the most affordable funeral plans are those that offer direct cremation only.

These plans include everything needed for a simple cremation without a funeral service, so there’s usually nothing else for your family to pay for when the time comes.

As there is no funeral service, there’s no need to cover the cost of a hearse, limousines, officiant fees, flowers or order of service.

Sources:

All information used in this article has been taken from each providers website, Defaqto, Trustpilot and Fairer Finance and is correct as of 07/26

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Top 10 funeral plans 2026

Compare the UK’s top 10 funeral plans on the market to find the best option for you

In this article:

Key insights

What are the top 10 funeral plans in the UK?

Rank

Plan

Price

How to use this guide

1. Co-op Funeralcare: Gold plan

Price from £4,160

Feature

Included in the cost?

2. Dignity: A funeral with a service

Price from £3,850

Features

Included in the cost?

3. Co-op Funeralcare: Silver plan

Price from £3,975

Feature

Included in the cost?

4. Choice: Plus plan

Price from £3,095

Feature

Included in the cost?

5. Choice: Essentials plan

Price from £2,800

Feature

Included in the cost?

6. Dignity: Grace plan

Price from £4,409

Feature

Included in the cost?

7. Memoria Funerals: Celebration of Life

Price from £3,745

Feature

Included in the cost?

8. Crystal Funeral Planning: Traditional Funeral

Price from £3,695

Feature

Included in the cost?

9. With Grace: Violet plan

Price from £3,595

Feature

Included in the cost?

10. Golden Charter: Select plan

Price from £4,150

Feature

Included in the cost?

Top 10 direct cremation plans

Rank

Plan

Price

Top 10 funeral plans verdict

Funeral plan FAQs

Sources:

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Best funeral insurance UK

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Average life insurance cost UK

Life insurance with pre-existing conditions