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:

Golden Charter funeral plans drawbacks:

Keep reading for the full golden charter funeral plans review…

Golden Charter funeral plansGolden Charter prepaid funeral plans


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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 30,000 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:

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.

Rising UK funeral costsFuneral costs have risen by +122% in 14 years


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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.

PlanFull upfront costThird party costs
contribution
CoffinLimousineFuneral processionCollection of body
(within 25 miles)
Flexible funeral time
& date
Basic Plan£1,749£500Yes – basicNoNoWorking hours onlyNo
Value Plan£2,895£800Yes – basicNoNoWorking hours onlyNo
Standard Plan£3,495£1,100Yes – simpleNoNoWorking hours onlyYes
Select Plan£3,850£1,100Yes – high qualityYes x 1Yes24 hours a dayYes
Premier Plan£4,099£1,100Yes – superiorYes x 2Yes24 hours a dayYes

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: from £1,749

Basic plan offers the following services;

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

Golden Charter Value Plan

Cost: From £2,895

A value plan offers the following services:

Please note: A value funeral plan doesn’t include the funeral procession, a limousine or a choice of time or date for the ceremony.

Golden Charter standard plan

Cost: From £3,495

A standard plan offers the following services:

Please note: A standard plan doesn’t include a limousine.

Golden Charter select plan

Cost: from £3,850

A select plan offers the following services:

Golden Charter premier plan

Cost: from £4,099

A premier plan offers the following services:

Funeral plans from Reassured include 3rd party feesFuneral plans from Reassured include all 3rd party expenses


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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:

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?

All funeral plans arranged through Reassured guarantee to cover all third-party fees, saving loved ones from unexpected funeral costs.

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.

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Golden Charter contact number

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 £2000.

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.


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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. One-off payment plan only

Our providers

At Reassured, we will provide you with quotes from Co-op funeral care, as well as any information required regarding the best funeral plans.

This allows you to make a fully informed decision.

All of the funeral plans we provide are fully regulated by the Funeral Planning Authority (FPA) ensuring you and your money are protected.