Dignity funeral plans review

Dignity is one of the UK’s leading funeral planning providers. As well as providing guidance and advice on planning a funeral, Dignity also offer a range of prepaid funeral plans.

Dignity funeral plans include the professional services of a Dignity owned or approved funeral director (1,800 in total in the UK).

Like other providers, Dignity guarantees to cover the cost of your services included in a plan, even if prices have risen when the time comes.

Reassured isn’t able to compare quotes for Dignity funeral plans but we can do so for other highly rated plans costing from just £19.11^* a month.

We’re an award-winning, FCA-regulated broker with more than 10 years experience helping customers secure financial protection for their families.

Get in touch for your free, personalised funeral plan quote.

Continue reading for a comprehensive review of Dignity prepaid funeral plans to help you establish if they're the right provider for you…

Dignity offers four different funeral plans, each with a different combination of services allowing you to choose the best option for you.

Dignity prepaid funeral plans for cremation will guarantee to cover funeral director costs and third-party cremation costs (cremation fees and minsters fees).

However, their funeral plans won’t cover doctors’ fees (on average £164), which may need to be paid before a cremation can take place.

Cremations in Scotland no longer require doctors’ fees for medical certification to be paid.

It’s speculated that this may apply to the UK in the near future, this is why many funeral plans won’t cover this cost.

For burial funerals, alongside the guaranteed services of a funeral director, Dignity provides a contribution of £1,220 towards third-party burial costs.

This money can be used towards costs charged by third-party providers, such as the charge made by a minister or officiant and cemetery costs or for purchasing a plot.

This amount will rise annually in line with the Retail Price Index (RPI), meaning it will increase with inflation.

As the cost of these services may vary significantly depending on which part of the UK the funeral is held in, your plan wouldn't guarantee to cover these costs. Your family would be responsible for paying any additional amount to the nominated funeral director.

In the scenario where the contribution from the plan exceeds the burial cost, any difference will be returned to the next of kin/executors.

Dignity funeral plans cost from £3,095 or from £38.25 a month when spread over their maximum payment term of 10 years.

However, the amount you pay overall will depend on which plan you choose, and the level of customisation.

If you cancel your plan within 30 days of the start date, you won’t be charged a fee.

If you choose to cancel your plan after 30 days of taking it out, a £249 cancellation fee will apply.

This fee will be taken from the amount you have already paid in and any other funds will be refunded to you.

Use our FCA-regulated broker service today to find the most cost-effective funeral plan.

Dignity Prepaid Funeral Plans are provided by Dignity Pre-Arrangement Limited who are part of the Dignity Funerals Group (Dignity Plc), one of the largest funeral planning companies in the UK.

Dignity has a nationwide network of owned and approved funeral directors throughout the UK.

One of the main reasons many people take out a prepaid funeral plan is to protect their loved ones from rising funeral costs.

Funeral costs in the UK have risen much faster than inflation. In fact, between 2011 and 2019, average funeral costs increased from £2,971 to £4,202. That’s a 41% rise^[2].

It’s a trend that’s been going on for a while and if this continues, it’s projected that by 2028 the average cost of a funeral in the UK could have risen to £6,206^[3].

By paying for your funeral in advance you could save your loved ones money in the future, as well as protect them from the most costly elements of your funeral.

Disclaimer: The information provided in this article for Dignity Funeral Services is correct as of May 2021

^*£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