Rest Assured prepaid funeral plans 2021

A funeral plan is a way of paying for your key funeral services in advance, protecting loved ones from this obligation when the time comes.

Rest Assured Funeral Plans Ltd provides four traditional funeral plans and one direct cremation funeral plan.

In this review, we explore the features, benefits and drawbacks of their traditional funeral plans, which start from £2,799 or from £28.95 a month.

Our award-winning broker service can’t compare quotes for Rest Assured funeral plans, but we can compare quotes for alternative plans starting from just £19.11* a month.

Get in touch with Reassured for your free personalised quotes and secure your best deal.

Rest Assured key features:

  • All funeral director fees and services are guaranteed in each plan
  • The higher priced plans include an allowance towards third-party fees, or fees are covered in full if you opt for one of their nominated funeral directors
  • A Rest Assured representative can visit you at your home to discuss your plan
  • Flexible payment options
  • Customer’s money is kept in an independent trust fund until plan is needed
  • Plan moves with you if you move home, free of charge
  • For an additional fee, you can include repatriation cover

Drawbacks:

  • Rest Assured isn’t registered with the Funeral Planning Authority (FPA)
  • The Elm plan doesn’t include an allowance towards third-party fees, so these would need to be paid for by loved ones when the time comes
  • The cancellation fee is 25% of the total cost of the plan if you cancel after the 14 day cooling-off period
  • All four plans are rated 2 stars by expert quality rating service Defaqto[1]

What is a Rest Assured funeral plan?

A funeral plan purchased with Rest Assured, as with other providers, allows you to pay for your key funeral services in advance and at today’s price.

It also allows you to make the arrangements for your funeral ahead of time, so that your final wishes will be fulfilled.

A funeral plan protects loved ones from the inevitable financial burden and can help to reduce a lot of stress for them when the time comes.

Learn more about the ins and outs of funeral plans in our handy guide »

How does a Rest Assured funeral plan work?

As mentioned, Rest Assured offers four set plans, each with a different level of service and price.

Once you’ve decided which plan is right for you, they give you the option to pay in full or pay by monthly instalments up to 10 years.

Your money is stored in an independent trust fund until it’s needed to cover your funeral expenses.

Rest Assured work with a network of independent funeral directors across the UK who carry out the services included in their plans.

You could nominate a preferred funeral director, but there’s no guarantee they’ll accept a Rest Assured plan when the time comes.

Rising funeral costs

The SunLife Cost of Dying report 2021 has shown that funerals are getting more and more expensive every year at an unprecedented rate[2].

Since 2004, the average cost of a basic funeral (which is funeral director services and third-party fees combined) is £4,184.

By 2025, the average cost could increase to more than £5,000.

However, with a funeral plan, you can avoid these ever-increasing inevitable costs and protect loved ones from higher prices in the future.

Your services are guaranteed at today’s rate and there won’t be anything more for your family to pay towards your plan, even if prices have risen by the time your funeral takes place.

Contact Reassured to compare the best funeral plans and lock-in today’s send-off fees.

Cost of funerals infographic desktop

What’s covered in a Rest Assured funeral plan?

The services covered as standard in each Rest Assured plan include:

  • Collection and care of the deceased (24/7 collection within 25 miles, and £1 per mile thereafter)
  • Visit to the chapel of rest
  • Coffin with name plate
  • Transport of the deceased to crematorium
  • Hearse
  • Pallbearers (x4)
  • Funeral procession
  • Service at crematorium or cemetery
  • Communication with the funeral director
  • Family support
  • 24/hr bereavement helpline

The plan you choose will determine what’s covered overall, and how much this will cost.

  Elm Oak Cedar Mahogany
Price £2,799 or from £28.95 a month £3,699 or from £39.37 a month £3,999 or from £42.85 a month £4,199 or from £45.16 a month
£1,100 third-party fee allowance if using preferred funeral director Cross List icon List icon List icon
Third-party fees covered in full if using a Rest Assured nominated funeral director Cross List icon List icon List icon
Standard coffin List icon List icon List icon Cross
High quality coffin Cross Cross Cross List icon
Limousines Cross Cross List icon List icon

Plan prices are correct as of 15th July 2021 and subject to change by the provider at any time www.restassuredplans.co.uk

Elm Plan

The Elm plan is their most basic plan and covers a simple traditional funeral service for either cremation or burial.

Funeral director’s fees and services are included in the cost, but third-party disbursement fees are not.

Third-party fees are cremation or burial fees, doctors’ fees and minister or celebrant fees.

If you chose this plan, your loved ones would need to pay this additional expense when the time comes.


Oak Plan

The Oak plan covers everything the Elm plan does, but for an additional £900 the Oak plan includes a level of coverage for third-party fees.


Cedar Plan

The Cedar plan is a mid-level plan and includes one limousine for family.

It also provides a level of coverage for third-party fees.


Mahogany Plan

The Mahogany plan is their most comprehensive plan and includes two limousines for family.

It also provides a level of coverage for third-party fees.

What are third-party fees?

Third-party fees, also known a disbursement fees, are separate costs that need to paid in addition to funeral director fees when planning a funeral.

They include:

  • Cremation or burial fees
  • Minister or celebrant fees
  • Doctors’ fees

Third-party fees make up a significant proportion of the total funeral cost.

Therefore, when making the selfless decision to pay for your send-off in advance, you may want to ensure that there’s a level of cover for these included in the plan you choose.

The Oak, Cedar and Mahogany plans include an allowance of £1,100 towards third-party fees if you opt for a funeral director that they don’t work with.

If you allow Rest Assured to nominate one of their funeral directors, then they’ll cover all third-party fees in full (excluding the cost of a burial plot).

Whilst the Elm plan is the most affordable, it doesn’t include any form of protection for third-party fees.

At Reassured, we can help you arrange a fully guaranteed funeral plan that locks-in today’s price for funeral director services and all third-party fees.

Get in touch with our award-winning team to discover your options and secure the best deal.

How can I pay for a plan?

Funeral plans arranged through Rest Assured give you several payment options.

You can either pay in full (one lump sum) or spread the cost in monthly instalments up to 10 years.

You’ll need to pay a deposit of more than £300 for a Rest Assured funeral plan.

Funeral plans purchased through Reassured don’t require a deposit and you can spread the cost up to 25 years for lower monthly payments**.

Get in touch to learn more about our funeral plans and flexible payment options.

What’s not covered in a plan?

Rest Assured funeral plans, and other funeral plans on the market, won’t cover the following elements of a funeral:

  • Burial plot
  • Flowers
  • Embalming
  • Alternative hearses
  • Funeral notices
  • Memorial
  • Live music
  • Repatriation

With each plan you can make an allowance towards your burial plot so that your loved ones won’t have this additional cost when the time comes.

Also, with Rest Assured you can pay an additional fee with the purchase of your plan to cover repatriation fees.

This means that if you were to pass away overseas, then your body can be transported back to the UK for your funeral to take place in accordance with your plan.

Are Rest Assured funeral plans safe?

Currently, Rest Assured Funeral Plans Ltd aren’t registered with the Funeral Planning Authority (FPA) whilst 95% of other funeral plans are[3].

The FPA are the only funeral plan regulator in the UK and they recommend that customers only use the providers registered with them.

However, Rest Assured do keep your money safe in a separate trust fund which is managed independently by InterestMe Wealth, a trading name of EGR Broking Limited, which is authorised and regulated by the FCA.

If you get in touch with Reassured, we can help you arrange an FPA approved funeral plan, giving you that extra peace of mind - get in touch for your no-obligation quote.

What happens if I pass away before the plan is paid in full?

If you buy a funeral plan with Rest Assured and choose to pay by monthly instalments, but pass away before your plan has been paid in full, then your loved ones or your estate would need to cover the remaining balance of your plan.

There are other funeral plans available on the market that won’t leave anything for your loved ones to pay, even if you haven’t finished all your payments.

For example, Co-op funeral plans, which can be arranged through Reassured, will guarantee to cover your funeral services after your first 12 monthly payments.

Contact our friendly funeral plan team to learn more about Co-op funeral plans and this valuable benefit.

Rest Assured reviews and ratings

Rest Assured funeral plans have each received a quality rating of 2 stars out of 5 stars by Defaqto.

On reviews.co.uk, they have scored 4.68 out of 5 stars based on 519 customer reviews and 94% of customers recommend their product.

Compare prepaid funeral plans

As mentioned, Reassured can’t provide Rest Assured funeral plans but we can provide alternative award-winning plans from just £19.11* a month.

We’re an FCA-regulated broker with more than 10 years of experience helping people find affordable financial protection for their families.

We can help answer any questions you have, compare multiple plans on your behalf and provide quick personalised quotes (saving you the time and hassle).

Make the most of our outstanding, fee-free quote service by getting in touch today.

Sources:

[1] https://www.defaqto.com/star-ratings/life-and-protection/funeral-plan-pre-paid/

[2] SunLife (2021), Cost of Dying Report, sunlife.co.uk/costofdying2021

[3] https://funeralplanningauthority.co.uk/registered-providers/

*£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

**Monthly instalment plan terms may vary depending on your age at purchase

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Our Providers

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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Very easy to understand and very quick

Yes very pleased with my choice very helpful easy to understand and very pleasant transaction all good!

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Very professional and reassuring. Life insurance sorted in about 10 minutes.

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Another happy customer I am. They are very professional and kind. Fully communicative. I recommend.

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I made the right choice and now I feel…

I made the right choice and now I feel relieved that I did.

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Really genuine kind and compassionate team with great knowledge and friendly approach highly recommend them!

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I must say Jake took me through every…

I must say Jake took me through every step and was brilliant, recommend them anytime.

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Very happy and everything explained well, so glad a took the time to take the call, normally I would say I'm busy. But compared to other company's we save so much more money.

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