Golden Charter funeral plans

This is a comprehensive review of Golden Charter funeral plans.

Funeral plans with Golden Charter start from just £13.59 a month.

Golden Charter funeral plans key features:

  • Approved by the Funeral Planning Authority (FPA)
  • Wide network of funeral directors in the UK
  • Direct cremation available
  • Four different levels of service at varying costs
  • Three different payment options


Golden Charter funeral plans drawbacks:

  • Third-party costs aren't guaranteed
  • Loved ones would have to cover funeral costs if you pass away early on an instalment plan
  • Collection of the deceased radius only 25 miles, and during working hours only for three of the plans

Keep reading for the full golden charter funeral plans review...

Golden Charter funeral plans third-party costs

As we uncover in this review, Golden Charter funeral plans don't cover third-party costs, instead an allowance is applied (either £800 or £1,100, depending on the plan).

But third party costs make up to on average £860 for a cremation and £2,288 for a burial.

Meaning the allowance provided by Golden Charter may not be sufficient.

But funeral plans arranged through Reassured do cover all third-party costs and are fully guaranteed, even if costs rise.

Why not find out more about the pros of funeral plans arranged through Reassured before diving into this review?

Golden Charter funeral plans reviews

On Trustpilot, there're just over 1,100 Golden Charter reviews, with an overall rating of 'Excellent'.

77% of their customers believe that Golden Charter provide a 5* star product and/or service.

In comparison, Reassured have over 32,000 reviews with an overall rating of 'Excellent'.

89% of our customers would rate our service as 5* star; find out what they are saying about us here.

Who are Golden Charter?

Golden Charter, established in 1990, is a leading funeral plan provider in the UK.

Their plans are accepted by nearly 3,000 independent funeral directors across the country.

Golden Charter is currently rated as 'Excellent' on Trustpilot from over 1,000 customer reviews.

They’re also the only funeral plan provider recommended by the Society of Allied & Independent Funeral Directors (SAIF).

How do Golden Charter funeral plans work?

Golden Charter funeral plans work in the same way other funeral plans do, including plans arranged through Reassured.

With a funeral plan you can pay upfront for your funeral, either in full or by monthly instalments.

Why pay in advance?

Since 2004, the cost of a UK funeral has increased by a staggering 130%.

And research suggests that in just 5 years’ time, an average funeral could cost £5,285.

A funeral plan locks-in today's rate, protecting your investment from any further inflation.

You'll also be able to make all the necessary arrangements for your own ceremony, sparing your loved ones from this responsibility.

Most providers offer a number of plans at increasing cost depending on the level of service offered.

You should choose a plan based on what your budget allows with the appropriate level of service you require.

What's included in a Golden Charter funeral plan?

All Golden Charter funeral plans include the following services:

  • Assistance with funeral arrangements
  • Support and guidance from Golden Charter funeral director
  • Transfer of the deceased (within 25-miles) to the place of rest
    Care of the deceased at the place of rest until the funeral, (embalming to preserve the body at an extra cost
  • A coffin or casket
  • Use of chapel of rest or service rooms and visitation for the family
    An allowance towards third-party costs, (amount varies depending on plan)
  • Provision of a hearse to carry the deceased from the funeral home to crematorium or cemetery
  • 24-hour bereavement support

If you're unfamiliar of what exactly goes into planning a funeral read our 9-step guide, once you've read this Golden Charter review.

Golden Charter funeral plans overview

The next part of this Golden Charter funeral plans review provides an overview of each funeral plan available with Golden Charter.

Plan Full upfront cost Third party costs contribution Coffin Limousine Funeral procession Collection of body(within 25 miles) Flexible funeral time & date
Basic Plan £1,749 £500 Yes - basic No No Working hours only No
Value Plan £2,895 £800 Yes - basic No No Working hours only No
Standard Plan £3,495 £1,100 Yes - simple No No Working hours only Yes
Select Plan £3,850 £1,100 Yes - high quality Yes x 1 Yes 24 hours a day Yes
Premier Plan £4,099 £1,100 Yes - superior Yes x 2 Yes 24 hours a day Yes

Golden Charter Basic Plan

The basic plan is for a direct cremation only, for those wishing for a no-fuss, low-cost funeral.

A basic plan excludes any funeral service, funeral procession, limousines etc.

The date, time or location won't be flexible and family won't be able to attend the cremation.

Cost: £1,749

A Basic plan includes:

  • Funeral director and professional services to make funeral arrangements
  • A coffin suitable for cremation
  • Collection and transportation of the deceased (within 25-miles) to the place of rest during working hours only
  • Care of the deceased
  • £500 allowance towards third-party costs

Please note: You may have to pay additional costs for the return of ashes.

Golden Charter Value Plan

Cost: £2,895

A value plan includes:

  • A basic style coffin
  • Transportation of the deceased during working hours only
  • Time and date of the funeral is set by the funeral director
  • £800 allowance for third-party costs

Not included: A funeral procession, limousine or a choice of time or date for the ceremony.

Golden Charter Standard Plan

Cost: £3,495

A standard plan includes:

  • A simple wood-effect coffin
  • Transportation of the deceased during working hours only
  • Time and date of the funeral is decided by you
  • Funeral procession to where the funeral service is being held
  • £1,100 allowance for third-party costs

Not included: A limousine.

Golden Charter Select Plan

Cost: £3,850

A select plan includes:

  • A high-quality wood-effect coffin
  • Transportation of the deceased 24 hours a day
  • Time and date of the funeral is decided by you
  • Funeral procession to where the funeral service is being held
    A limousine
  • £1,100 allowance for third-party costs

Golden Charter Premier Plan

Cost: £4,099

A premier plan includes:

  • A superior wood-effect coffin
  • Transportation of the deceased 24 hours a day
  • Time and date of the funeral is decided by you
  • Funeral procession to where the funeral service is being held
  • £1,100 allowance for third-party costs
  • Two limousines
  • List provided to the family of mourners who sent flowers

Golden Charter payment options

As with plans arranged through Reassured, Golden Charter offers a range of payment options.

Golden Charter funeral plans can be paid:

  • In full with one upfront payment
  • With a £49 deposit, then 12 interest-free monthly payments
  • In monthly instalments between 2 - 30 years, (includes interest)
  • By fixed monthly payments with no deposit, paid until death or aged 90


If you decide to pay by instalments then you must be 78 or under and the payment term must end by the time you’re 80.

Or, if paying by fixed monthly instalments, you must be aged 50 - 80 when taking out the funeral plan.

Dying before your funeral plan is paid

It’s possible that you pass away before the full amount has been paid for your funeral.

Or, you may run into financial trouble and are unable to keep up with the payments.

If so, as long as Golden Charter has received 24 or more monthly payments, then the amount you’ve paid will still be contributed towards your funeral.

However, this is only if the remaining cost of your funeral with Golden Charter is settled by your estate or loved ones.

Otherwise, your contribution won't be made and your investment will have been wasted.

By way of comparison, with funeral plans arranged through Reassured, if you pass away after the first 12 monthly payments whilst on an instalment plan, then all the funeral services on your plan will still be covered (and your loved ones won't have to pay an extra penny).

Contact our dedicated FCA regulated funeral plan team at Reassured for further information.

What is not included in a Golden Charter funeral plan?

It's important to highlight in this funeral plan review that most plans, including those with Golden Charter, won't cover the burial plot cost.

The cost of a burial plot will vary depending on the location and type of burial.

With a funeral plan in place, you’ll have the opportunity to discuss options with your funeral director.

They can also help you arrange the purchase of a plot (and a memorial if required).

With a cremation, the crematorium of choice will need to be within 15-miles of the Golden Charter funeral director’s premise, or you may incur additional costs.

Golden Charter funeral plans don't include essential third-party costs

Third-party costs, such as minister/doctor fees and cremation or burial fees, aren't included in any Golden Charter plan.

Instead, they provide an allowance with each plan to cover these, (either £800 or £1,100).

It’s not guaranteed that the allowance will cover all the fees, which are on average £860 for a cremation and £2,288 for a burial (and that doesn’t include the cost of a burial plot).

Yet, a funeral plan arranged through Reassured will include all third-party costs.

And on top of that, all services are fully guaranteed, even if prices rise.

So, loved ones won't need to worry about paying the shortfall for your funeral.

Why not contact Reassured today for a comparison of the funeral plans available?

Golden Charter rewards

Customers can benefit from Golden Charter Rewards for a period of 12 months.

This includes access to various discounts for a number of brands including Costa, Argos and M&S.

You can also save on groceries, travel, home and garden, fashion, gifts, motoring and entertainment.

Nevertheless, it’s sensible to firstly decide on the best funeral plan for you, before making a decision based on any additional benefits.

Particularly if you’re unsure of the actual monetary value of the benefits before taking out a plan.

Golden Charter additional features

Notable features of a Golden Charter funeral plan include:

The option to transfer a funeral plan to a family member who has passed away before you.

This is possible for all payment options except for the fixed monthly payment option.

Also, if paying by the instalment option then the total funeral plan cost must be paid.

A funeral plan arranged through Reassured can also be transferred to another family member, as long as the plan has been paid in full.

If you move anywhere in the UK the funeral plan can be taken with you.

This may incur an additional cost for transfer at the discretion of the funeral director.

If you pass away abroad, then Golden Charter will cover the cost of the transportation from a UK airport to the funeral home.

Golden Charter trust

Funds paid towards a Golden Charter funeral plan are managed by The Golden Charter Trust.

The trust is separate and independent of Golden Charter.

Therefore, in the unlikely circumstance that Golden Charter goes bankrupt, the trust ensure your funeral is still covered and funeral director services are carried out as agreed.

How safe is Golden Charter?

Funeral providers aren't yet regulated by the Funeral Conduct Authority (FCA); however, this may change in the future.

Golden Charter may not be regulated by the FCA, but they are approved by the Funeral Planning Authority (FPA).

Although, all fixed monthly payments for Golden Charter funeral plans are held by a UK life assurance company, Phoenix Life Limited, which is regulated by the FCA.

Funeral plans arranged through Reassured are also fully FPA approved.

Furthermore, we're an FCA regulated life insurance broker and therefore follow the guidelines applied by the FCA to our funeral plan service, to ensure your financial safety.

Golden Charter list of funeral directors

There are nearly 3,000 funeral directors in the UK that accept Golden Charter plans

To find your local Golden Charter funeral directors, head to the Find a Funeral Director.

You can search for the closest funeral director by typing in your postcode or the funeral director name, (if known).

There is also an A-Z directory of preferred Golden Charter funeral directors and a Google Maps tool.

Golden Charter contact details:

Whether you’ve an existing funeral plan or a new customer, the Golden Charter team can be contacted:

Golden Charter funeral plans complaints

When raising a complaint with Golden Charter, it’s sensible to have all the relevant paperwork to hand.

The Golden Charter complaints team can be contacted:

Golden Charter cancellation policy

A Golden Charter funeral plan can be cancelled within the first 30 days.

Any payments made in this time will be refunded.

If cancelled after the 30-day period, you'll be charged a £249 cancellation fee.

Golden Charter funeral plans review summary

As mentioned in this review, it's possible that a Golden Charter funeral plan won't cover all the necessary funeral costs.

In particular, the costs incurred from third party services.

At face-value, their contribution of either £1,100 (or £800 for the value plan) towards third party fees, seems generous.

However, in reality, third-party fees could reach on average over £2,000.

This may be a concern if you feel strongly about ensuring your loved ones aren't left with anything to pay.

All funeral plans arranged through Reassured do guarantee to cover all third party fees.

Contact our award-winning team today to secure the financial protection of your loved ones.

Compare funeral plans to save money

At Reassured, we can compare multiple plans to help find you the best possible funeral plan.

Not only that, but funeral plans arranged through us benefit from a best price guarantee.

Simply provide us with a like for like quote on your preferred plan and we’ll match it on behalf of the Co-op*.

Our funeral plans are also protected by the Funeral Planning Authority (FPA), so you know your investment is secure.

Contact our dedicated team today to get started; our award-winning service is completely free to use.

Sources:

[1] https://www.sunlife.co.uk/siteassets/documents/cost-of-dying/cost-of-dying-report-2018.pdf

[2] https://www.goldencharter.co.uk

*Only available through our Co-op funeral plans. Doesn't apply to the 2-25 year instalment payment plan.

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