Co-op funeral plan review [2021]

Co-op funeral plans are provided by Co-op Funeralcare, one of the largest funeral providers in the UK.

This is a comprehensive review of their traditional funeral plans named Bronze, Simple, Silver and Gold.

The Silver and Gold plans are fully guaranteed, which means all of your essential funeral costs, including third-party fees are covered and frozen at today’s prices.

Reassured can help you arrange a Co-op prepaid funeral plan from just £19.11* a month.

We don’t charge you a fee for our award-winning service, we simply compare plan quotes on your behalf.

What does a funeral plan offer you?

  • Peace of mind for you and your family
  • Protection from rising funeral costs by locking-in today’s rate
  • Guaranteed acceptance - no health or medical questions

Continue reading this review for all you need to know about Co-op funeral plans, including what’s included in a plan and how much they cost...

What is a Co-op funeral plan?

A funeral plan with the Co-op allows you to plan and pay for your funeral in advance.

It’s a simple and affordable way to protect your family from ever-increasing funeral costs and to ensure that your final wishes will be fulfilled.

The Co-op have four different plans to choose from which each cover all the key services for either a cremation or burial funeral.

Read our comprehensive article on the pros and cons of a prepaid funeral plan »

Why choose a Co-op funeral plan?

Award-winning funeral plan provider

The Co-op has been awarded ‘Best Funeral Plan Provider’ by Moneynet for 4 years running.

Top-rated funeral plans

The Co-op is the only funeral plan provider to receive 5 star ratings by Fairer Finance for each of their plans. Their Gold plan has also been awarded 5 stars by Defaqto.

Flexible payment options

You can choose to pay for a plan in one single payment or spread the cost in monthly instalments up to a maximum of 25 years.

Additional protection with the Co-op Commitment

If you choose to pay by monthly instalments over 2- 25 years and pass away after the first 12 months, but before finishing all your instalments, Co-op will still carry out your funeral.

Your money is safe and secure

When buying a plan through us, provided by the Co-op, you can have peace of mind that your money will be kept safe in a whole of life insurance policy, which is managed by an independent trustee, until it’s needed for your funeral.

What’s included in a plan?

Each Co-op funeral plan includes the following items and services:

  • Choice between cremation and burial
  • Collection of the person who’s died within 50-mile radius, 24/7
  • Care and preparation of the person who’s died
  • Support and guidance provided by a funeral director
  • Family viewing at the chapel of rest
  • A coffin
  • Hearse or alternative suitable vehicle
  • Full personalisation of the plan with special requests
  • Free call from bereavement team and bereavement assistance for family

Co-op funeral plan options

The Co-op Simple funeral plan

Cost: £3,020 or from £19.11 per month

  • A simple coffin
  • Visitation to the chapel of rest during working hours
  • Time and date decided by Co-op
  • £950 contribution towards third-party fees
  • A suitable vehicle for the day of the funeral
  • Not included: A traditional hearse or limousine for the funeral procession and no pallbearers

The Co-op Bronze funeral plan

Cost: £3,470 or from £21.96 per month

  • A wood effect coffin, such as Maple
  • Visitation to the chapel of rest during working hours
  • Restricted time and date of the funeral
  • A traditional hearse and pallbearers
  • £1,100 contribution towards third-party fees
  • Not included: A limousine for the funeral procession

The Co-op Silver funeral plan

Cost: £3,870 or from £24.49 per month

  • A wood effect coffin, such as Cherry or Rosewood
  • Visitation to the chapel of rest by appointment at any time
  • Choice of time and day of the funeral
  • A traditional hearse and pallbearers
  • Flexibility to choose the route to service
  • One limousine for funeral procession
  • Third-party fees are fully covered

The Co-op Gold funeral plan

Cost: £4,170 or from £26.39 per month

  • A wood veneer coffin, such as Traditional or Light Oak
  • Visitation to the chapel of rest by appointment at any time
  • Choice of time and day for the funeral
  • Flexibility to choose the route to service
  • Two limousines
  • Memorial item e.g. Memorial Canvas
  • Third-party fees are fully covered

Co-op funeral plan comparison

Co op insurer logo white Simple PlanBronze PlanSilver PlanGold Plan
Coffin List icon
Basic
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Wood effect (maple)
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Wood effect (cherry or rosewood)
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Wood veneer (traditional or light oak)
Date and time of funeralDecided by Co-opRestrictedMutually agreedMutually agreed
Family visit to the chapel of restDuring working hoursDuring working hoursAnytimeAnytime
Funeral cortegeDirectly to crematorium or burial site from home onlyChoice of routeChoice of routeChoice of route
Bearers Cross
Wheeled bier or family bearers
List icon List icon List icon
Hearse Cross
Other vehicle is used
List icon List icon List icon
Limousine Cross Cross List icon
x1
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x2
Memorial canvas Cross Cross Cross List icon
Cremation or burial fees£950 contribution£1,100 contribution List icon
Guaranteed
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Guaranteed

Co-op funeral plan payment options

When taking out a Co-op funeral plan through Reassured, there are three easy payment options.

These are:

  • One single payment
  • 6 or 12 monthly payments
  • Monthly instalments over the course of 2-25 years

Choosing to pay by monthly instalments over 2-25 years will incur additional instalment charges and the payment plan must end by your 80th birthday.

At Reassured, we can compare quotes on your behalf and find you the best option to suit your needs at a price you can afford.

Co-op funeral plans cost

A Co-op funeral plan arranged through Reassured will cost the same as a plan arranged directly with Co-op themselves.

Our broker service is fee-free and works on your behalf to provide quick, personalised quotes for suitable plans.

When you buy a Co-op funeral plan through us, it’s not compulsory to pay a deposit but if you wish to pay a deposit then this will reduce your fixed monthly payment amount.

Co op insurer logo white Single payment12 monthly payments24 monthly payments60 monthly payments180 monthly payments300 monthly payments
The Simple plan£3,020£251.66 a month (total to pay £3,020)£131.72 a month (total to pay £3,159.28)£56.23 a month (total to pay £3,365.60)£25.01 a month (total to pay £4,502.40)£19.11* a month (total to pay £5,733.40)
The Bronze plan£3,470£289.16 a month (total to pay £3,470)£151.24 a month (total to pay £3,629.92)£64.45 a month (total to pay £3,867.50)£28.89 a month (total to pay £5,172)£21.96 a month (total to pay £6,589.90)
The Silver plan£3,870£322.50 a month (total to pay £3,870)£168.69 a month (total to pay £4,048.56)£71.88 a month (total to pay £4,313.10)£32.05 a month (total to pay £5,769)£24.49 a month (total to pay £7,347.90)
The Gold plan£4,170£347.50 a month (total to pay £4,170)£181.76 a month (total to pay £4362.24)£77.45 a month (total to pay £4,647.30)£34.53 a month (total to pay £6,215.40)£26.39 a month (total to pay £7,917.90)

Pricing in this table includes a Co-op membership discount of £75 or £125

Co-op funeral plan calculator

Spread the cost of your funeral plan with monthly payments, or pay in full. Calculate how much your funeral plan will cost, by filling in the details below.

6 months
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*Co-op members save up to £125 on their Co-op funeral plan. Simply provide your 18 digit membership number when buying your plan.

Funeral plan cost:
£0
Total repayable:
£0
Membership discount:
0
Amount to pay now:
£0

Rising funeral costs in the UK

The average cost of a funeral has risen a staggering +128% over the past 16 years[1].

A basic cremation funeral now stands at £3,885 on average, whereas a burial funeral costs even more at £5,033.

According to the SunLife Cost of Dying report, it’s likely that funeral costs will continue to soar each year - reaching £5,044 by 2025.

However, with a funeral plan in place, your funeral services will be frozen at today’s prices.

This means that all the services set out in your plan will be carried out at no extra cost to your loved ones when the time comes, even if prices have risen further by then.

Get in touch with Reassured to arrange your Co-op funeral plan and freeze the cost of your funeral today.

Cost of funerals infographic

Co-op tailor-made plans

The Co-op also provide tailor made plans which allow you to create a bespoke final farewell.

You can choose between a cremation or burial and make the arrangements for your unique send-off in advance.

For example, you could opt for an eco-friendly woodland burial at one of the Co-op woodland cemeteries.

A tailor-made plan can only be arranged with your local Co-op funeral director so that everything is exactly as you want it to be.

Memorial headstone plans

Want a particular headstone or know how you want to be commemorated?

It’s possible to put these arrangements in place before you pass away.

It’s also possible to pre-pay the cost of your masonry headstone but this is an additional cost to that of your funeral plan.

This can be arranged via your funeral director and upon purchase of your plan, we can provide details of how to enquire about this service.

Direct cremation plan

A direct cremation funeral plan with Co-op allows you to pay in advance for a simple cremation without ceremony.

This is the least expensive funeral plan option as there’s no need for ceremonial elements such as a hearse, limousines, fancy coffin or pallbearers.

For more information about this type send-off, head to our no funeral, just cremation guide.

Reassured is currently unable to offer the direct cremation plan.

Co-op funeral directors

Upon purchasing a Co-op funeral plan, you’ll be able to register with a Co-op funeral home of your choosing and begin to make future arrangements.

The Co-op has over 1,000 funeral homes across the UK.

Once you’ve selected your preferred Co-op funeral home, they’ll work with you to ensure all of your wishes are carried out and all plans are in place.

Additionally, due to such a wide network of funeral homes, it’s possible to switch to a more conveniently located funeral home if you were to move home or change location, at no extra cost.

Co-op funeral plans reviews and ratings

The Co-op is a highly rated funeral plan provider, and their funeral plans are some of the best on the market.

Co-op funeral plans have achieved a 5 star Defaqto rating for their Gold funeral plan and a 5 star Fairer Finance rating for all of their funeral plans.

To arrange your Co-op funeral plan, get in touch with our friendly team today.

Co-op funeral plans for over 50s

Anyone over the age of 50 can take out a Co-op funeral plan without the worry of medical restrictions.

Acceptance is guaranteed and someone over 50 can spread the cost of their plan up to 25 years from just £19.11 a month.

Save money with exclusive Co-op member discount

Co-op members can save £75 on the Simple funeral plan or £125 on the Bronze, Silver and Gold plans.

If you’re not yet a member and would like to benefit from these offers, you can sign up on the Co-op website.

It takes a few minutes to enter in your details and £1 membership fee is required.

Compare funeral plan quotes, (get the best plan for you)

At Reassured we provide funeral plans at the same cost as Co-op themselves, but our independent brokerage service offers added benefits.

Our dedicated customer service team work to ensure you get the best funeral plan to meet your individual needs.

Ensuring your chosen funeral plan contains all the elements needed to fulfil your final wishes.

We complete the application for you, making sure all of the information is accurate and anything you don’t understand is clearly explained.

This ensures you’re confident in your decision making.

And the best bit is, our award-winning service is FEE-FREE.

So, contact Reassured today to make arrangements for your funeral and ensure your future peace of mind.

Co-op funeral plan FAQs

Are Co-op funeral plans safe?

Yes, it’s safe to purchase a funeral plan from the Co-op through Reassured.

The Co-op are regulated by the Funeral Planning Authority (FPA), an independent body that provide a degree of protection for funeral plan customers and their money.

Co-op funeral plan funds are kept safe in an FCA regulated whole of life insurance policy, which is managed by an independent trustee, until a plan needs to be redeemed.

Even in the unlikely circumstance that Co-op were unable to honour your plan, then the FPA will ensure that you’ll still receive the funeral you paid for via another funeral provider.


What’s not included in a plan?

Co-op funeral plans, as with other plans on the market, won’t cover some additional items and services as standard. Your family may need to pay for these when the time comes.

Excluded elements include:

  • Flowers
  • Embalming
  • Alternative hearses
  • Funeral notices
  • Order of service
  • Extra limousines or executive cars
  • Burial plot (cost of burial plots in the UK vary from region to region)
  • Catering/wake
  • Memorial
  • Live music

For the Simple and Bronze plans, the Co-op won’t cover the full cost of third-party fees but provide a contribution towards these.

Third-party fees include:

  • Cremation or burial fees
  • Doctor’s fees
  • Minister or celebrant fees.

What is the Co-op Commitment?

All Co-op funeral plans arranged through Reassured, that are paid for in monthly instalments over 2-25 years, come with the Co-op Commitment.

This is an additional level of protection to ensure that if you choose to spread the cost of your funeral plan, and anything were to happen to you during this time, your funeral costs are still guaranteed.

As long as you’ve made at least 12 monthly payments then all the services included in your plan will still be carried out.

Providing you with peace of mind that your loved ones are still protected from the expense of your funeral.


Can you purchase a plan on behalf of someone else?

Yes, you can. Co-op funeral plans are available to purchase on behalf of yourself, a family member or friend.

In the instance of purchasing a plan on behalf of someone else, the person named within the plan will receive all documentation and all decisions regarding funeral arrangements will remain theirs.

However, to obtain an instalment plan in this instance, all payments must be made by the 80th birthday of the person paying for the plan.

It’s imperative that the named individual is aware of the plan being set up in their name and the person paying for the plan is 18 or over.


How do you check if someone has a Co-op plan?

If a family member has recently passed away and you’re unsure if they had a funeral plan, it’s best to do a few checks before planning the funeral.

You can find out if they had a funeral plan by:

Contacting Co-op funeralcare - Pop into the local funeral home or give them a call. They’ll be able to find out if there is a funeral plan using just the name, date of birth and address

Funeral Planning Authority - A trace a funeral plan service is available, simply fill in the online form.


Is life insurance better than a Co-op funeral plan?

Often it’s asked what’s more suitable, a prepaid funeral plan or a life insurance policy.

The answer comes down to what it is you’re looking to protect.

It can be beneficial to have both forms of cover in place. For example, a funeral plan to cover the funeral director costs and lock in today’s price, alongside life insurance policy to provide an inheritance for your loved ones.

If you’re only looking to cover the cost of your funeral, it’s likely a Co-op funeral plan would suffice.

However, if you’re also looking to protect your family from other costs, such as your mortgage or outstanding debt, life insurance may be more appropriate.

A funeral plan can only be used to cover the cost of your funeral, whereas life insurance can be used for anything your loved ones deem fit.

Age may also be a deciding factor in this decision, with a funeral plan being a fixed price regardless of age.

In contrast, the older you are, the more expensive life insurance premiums generally become. Therefore, your budget may dictate which type of cover is available.

Upon a certain age, you may struggle to even get accepted for life insurance as most term-based policies only accept applicants up to a specific age.

In this instance, an over 50s plan with no medical questions may be more suitable. However, these are only available for those aged between 50-85 years.

Sources:

*£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

£21.96 per month pricing includes a £125 discount only available to Co-operative members and is based on a 50-year-old purchasing a Co-operative Bronze Funeral Plan at £3,470 over the maximum term available of 25 years (total amount repayable £6,589.90) as of 1st March 2021

£24.49 per month pricing includes a £125 discount only available to Co-operative members and is based on a 50-year-old purchasing a fully guaranteed, Co-operative Silver Funeral Plan at £3,870 over the maximum term available of 25 years (total amount repayable £7,347.90) as of 1st March 2021

£26.39 per month pricing includes a £125 discount only available to Co-operative members and is based on a 50-year-old purchasing a fully guaranteed, Co-operative Gold Funeral Plan at £4,170 over the maximum term available of 25 years (total amount repayable £7,917.90) as of 1st March 2021

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

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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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