Funeral cover can help you cover the spiralling cost of…
The cheapest way to be cremated is to have a direct cremation, also known as ‘cremation without ceremony’ or ‘unattended cremation’.
A direct cremation is the cheapest cremation because there’s no funeral service or ceremony before the cremation.
According to the 2022 SunLife Cost of Dying report:
Whether you’re planning ahead for your own funeral or arranging a funeral for a loved one today, this guide will help to explain:
Please note, Reassured is unable to offer a prepaid funeral plan for direct cremation. However, we can help arrange funeral cover for a traditional cremation or burial funeral
The SunLife Guaranteed Funeral Plan is an insurance policy which guarantees to cover the cost of your chosen funeral services after two years.
It’s an affordable way to pay for your cremation funeral in advance and protect loved ones from the financial worry in the future.
You can choose from two different levels of cover, depending on your needs and budget.
Premiums begin from just £19.18 a month ^ and a pay out is guaranteed after two years.
You can take out a SunLife Guaranteed Funeral Plan if you’re a UK resident aged 50 - 80.
Get in touch with our award-winning broker service today to learn more about the funeral cover we have available and to compare your free, no-obligation quotes.
Direct cremation is a cremation without a funeral service or ceremony beforehand.
It means a cremation takes places straight away, at a time and date decided by the crematorium, with no attendees.
After the cremation, the ashes are either scattered at the crematorium gardens or returned to the family.
Direct cremation is typically chosen by people who don’t want a lot of fuss for their funeral; or it may be the right choice for financial reasons.
Some families choose to hold a memorial service or celebration of life for their loved one once the ashes have been returned.
Factors that can determine the overall cost of a direct cremation include:
Top 5 cheap direct cremation funeral packages:
Prices have been taken from the separate providers' websites and are accurate as of 13/04/2022
A basic cremation funeral costs on average £3,765 in the UK.
This amount includes the average cost of:
In 2021, people also spent on average £2,484 on additional extras which make the send-off.
Additional extras include:
For this reason, the cheapest way to be cremated in the UK is by having a direct cremation.
What happens before, during and after a direct cremation is usually as follows:
As there is no funeral service, some families choose to arrange a separate memorial or celebration of life at a time and place to suit them.
The differences between the services that may be included in a standard funeral with cremation and a those of a direct cremation are shown in the table below:
|Service||Standard cremation||Direct cremation|
|Guidance and advice from a professional funeral planner|
|Collection, transportation and care the deceased|
|Choice of time and date for cremation|
|Choice of crematorium|
|Choice of coffin|
|Viewing of the deceased at the chapel of rest|
|Hearse or choice of alternative vehicle|
|Funeral procession with limousines|
|Funeral service at church or crematorium chapel on the day of the committal|
|Return of ashes|
Whilst a direct cremation is the cheapest way to be cremated, it won’t be the right way for everyone.
For example, some people don’t want the fuss and expense of a traditional funeral service, but they would still like a few family and friends to come together for a small ceremony before the cremation.
Fortunately, there are other options available to suit different needs and budgets:
Simple funerals with Simplicity Cremations
Simplicity Cremations arrange direct cremations and simple cremation funerals.
Their simple cremation funerals start from as little as £1,395 and include the option to have a family-led service at the crematorium before the cremation.
This can be a short service with a limited number of people or a full-length service with unlimited attendees.
The price is low because, like with direct cremation, there’s no formal funeral service and no need to pay for additional extras such as embalming, officiant fees or a high-quality coffin.
Simplicity also provide prepaid cremation only funeral plans from £1,495.
Do It Yourself’ funeral
A Do It Yourself (DIY) funeral means family members would handle all the arrangements of the funeral instead of using a funeral director.
A DIY funeral would include the following arrangements:
This type of funeral may save you money but could also be stressful for the family particularly whilst they are grieving.
Donate body to science for a free cremation
This may be more difficult with the threat of coronavirus still looming - but it could be possible to donate your body to science and this wouldn’t cost your family a penny.
Medical institutes across the UK accept body donors for anatomical examination, research and education.
The institute may arrange a cremation and memorial for donations, or the family could request the body to be returned so that they can have a private burial or cremation.
This may not be a preferable option for some people due to religious reasons or family tradition.
Other ways you could save money on cremation funeral costs:
Shop around for the best prices
Find the cheapest cremation in your area by shopping around and comparing the prices and services offered by local funeral providers and crematoriums.
Some of the bigger providers, such as the Co-op, offer a broad range of funeral services at competitive prices.
Cut back on optional extras
In 2021, people spent on average £2,484 on flowers, limousines, venue hire and catering. If you want to make big savings on a cremation funeral, this is a good place to start.
The family could arrange their own transport, flowers could be kept to a minimum and the wake could be held in someone’s home free of charge.
If you’re unable to arrange and/or pay for the funeral of a loved one who has passed away and there isn’t enough money remaining from their estate to cover the funeral, then the following options may be available:
Making financial provisions for your funeral today will help to alleviate a lot of worry and stress for your loved ones when the time comes.
Compare cremation funeral cover through us today, free of charge.
 SunLife (2022), Cost of Dying Report, sunlife.co.uk/funeral-costs
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