How much does a burial cost in the UK? Reassured helps to…
The cost of a funeral can be broken down into three categories:
The amount you may spend on each of these categories depends on where the funeral takes place, the type of funeral (cremation or burial) and how you choose to personalise the send-off.
In this article, we’ll provide a breakdown of funeral fees and charges, including:
If you’re looking to help towards the cost of your funeral, it’s worth considering over 50s life insurance.
This is a type of life assurance which guarantees a pay out to your loved ones after you pass away.
If you’re a UK resident aged between 50 - 85, acceptance is guaranteed for over 50s plans as no medical information is required.
The maximum cover is £20,000 (depending on your personal circumstances and budget) which could be enough to help cover a basic funeral and other associated costs.
Why not contact us for a free, personalised quote?
According to SunLife’s Cost of Dying report, the average cost of a basic funeral is £3,953.
This amount includes the average cost of funeral director fees and third-party fees.
When additional send-off elements are included, such as flowers, limousines and order sheets, a basic funeral becomes a more personalised funeral, and the cost will go up.
In 2022, people spend an average of £2,669 on optional extras when arranging their loved one’s funeral.
The actual cost of a funeral will depend on various factors. These include:
The below table provides a breakdown of basic funeral costs for cremation, burial, direct cremation and direct burial:
|Type of funeral||Average UK cost||Funeral costs include:|
As previously mentioned, funeral costs can be split into three separate areas:
If your funeral wishes require many optional extras, or you’re concerned about your loved ones covering the cost, why not contact Reassured about over 50s life insurance?
This is a type of life insurance which guarantees a cash pay out for your loved ones when you pass away.
It also guarantees acceptance to UK residents aged between 50 - 85 and you don’t have to answer any health questions.
You’ll pay an agreed monthly premium (monthly payment) until you pass away in return for your cover. Premiums start from just £5-a-month through Reassured.
Your family could use the sum assured (cash lump sum) to contribute towards your funeral costs.
Simply contact Reassured to find out more.
Burials are far less common than cremation funerals in the UK. SunLife’s Cost of Dying report noted that only 25% of people opted for either a burial or direct burial in 2022.
This could be partially down to the price, with burial funerals currently costing £4,794 on average.
The average breakdown of burial costs consists of:
In 2022, 57% of people opted for a cremation funeral and 18% opted for a direct cremation.
The average cost of a funeral with cremation is currently £3,953 in the UK.
The average breakdown of cremation costs consists of:
As mentioned, funeral fees and charges vary significantly from region to region.
Where you live or where you choose to hold the funeral can impact the overall cost.
London is usually the most expensive place to have a funeral, whilst Northern Ireland tends to be the cheapest.
Burial and cremation fees vary across the UK.
The average cost of a burial funeral in London is currently £8,353 whereas, in North West England, the average cost is much lower at £3,153.
In the South East of England, the average cost of a cremation funeral is currently £4,032, whereas in Northern Ireland, the average cost stands at £3,372.
The below map provides information about the cost of a basic funeral, depending on where you live:
Reassured offer over 50s plans, which can help contribute towards your funeral costs - relieving your loved ones of this expensive financial obligation.
If you’re aged 50 - 85, you could be eligible to secure up to £20,000 depending on your personal circumstances and budget. The pay out could be enough to help cover the cost of a basic funeral in the UK.
It may also provide additional funds to leave your loved ones an inheritance to spend as they wish.
Acceptance is guaranteed so why not contact Reassured today to secure over 50s life insurance?
The average cost of a funeral is relatively high in the UK. But how do we compare to other countries?
We’ve listed 3 of the most expensive countries and 3 of the least expensive countries to have a funeral.
Research was completed by SunLife in July 2020 and amounts have been converted into Sterling.
Japan has the highest average cost at an incredible £22,320 - which is 68.3% of their average salary. If we had to spend this percentage amount in the UK, the average funeral would cost £23,892.
India has the lowest funeral cost at just £96 - which is only 2.4% of their salary.
Germany is the most expensive European country to have a funeral by a considerable amount. The Netherlands is not far behind at £5,440 followed by the UK at £4,417 (based on 2020 data).
Sometimes, there isn’t enough money to pay for a funeral. In this case, there are some ways you can get help to cover costs.
Funeral Expenses Payment
A provision by the government to help those with a low income to cover funeral expenses.
It usually covers basic cremation or burial services and there’s a small contribution towards funeral director fees and optional extras.
You’d need to be receiving certain welfare benefits and/or tax credits to be eligible for the payment. You can find out more on the government website.
Public Health Funeral or ‘Pauper’s funeral’
The local council can step in to provide a basic funeral if there’s no money at all.
You’d need to provide a written statement renouncing responsibility of funeral costs and they’ll take care of arrangements.
Pauper’s funerals won’t include the funeral notice, flowers, transport, or viewings at the chapel of rest.
It’s possible to donate a body to science, removing the cost of funeral arrangements. However, the deceased would need to provide consent to be a body donor in their wishes.
Medical schools keep donors for several years before having them cremated.
Online fundraising for funeral expenses is not unheard of.
You can use a platform such as Go Fund Me or Just Giving to share your unique story and ask family, friends and the general public to kindly donate. Be mindful that there’s no guarantee you’ll raise all the required money.
Over 50s life insurance
If the deceased had an active over 50s life insurance policy, the lump sum payout could be used to contribute towards a funeral.
If you’re concerned that you or your family couldn’t cover the cost of your funeral, why not consider over 50s life insurance?
Any UK resident aged 50 - 85 is eligible to take out a policy and you could be covered for up to £20,000 depending on your personal circumstances and budget.
Cover will last for the rest of your life, guaranteeing a pay out to your loved ones when you pass away.
Prices not shown mean this age group aren’t eligible for this sum assured
To lock in your premium rate, simply contact Reassured to secure your over 50s plan today.
We can compare quotes from some of the UK’s leading providers. Quotes are personalised, fee-free, no-obligation and start from just 20p-a-day.
Our friendly, UK based teams are here to assist to see if we can help you save money on your life insurance.
 Information obtained directly from SunLife
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