Other funeral costs you need to think about

Whilst the cost of the funeral director’s services are included in your plan, there are other costs you need to consider.

Third party costs

All our plans include an allowance towards third party costs. These are costs for essential, non-funeral director services required to carry out a cremation or burial. Funeral directors cannot control these costs and these fees need to be paid at the time of the funeral. These costs are paid by us or by the selected funeral director to other suppliers or professionals to carry out funeral services.

All our plans include an allowance towards third party costs, with the exception of our Direct Cremation Plan which guarantees that the cremation fee will be fully covered. Our Value Plan includes an £800 allowance whilst our Standard, Select and Premier Plans include a £1,100 allowance. This allowance can be used towards cremation fees, burial or interment fees as well as the minister or Officiant’s fee to conduct the service. The built-in allowance will not be used towards certain third party costs such as doctor’s fees (if applicable) or the purchase of the burial plot.

The value of the allowance included in your plan may grow over time. There will only be more to pay at the time of the funeral if the third party costs exceed the allowance when you buy your plan, or if the costs increase by more than the growth of your plan.

Please refer to our Key Features and Terms & Conditions (PDF) document for more information.

Optional services

You can choose to add extra services such as flowers, newspaper notices, a reception, catering and orders of service. These costs are not covered by your plan, you can choose to add these as an additional cost or your funeral director can help to organise these at the time.

Our Fees

The retail price of your funeral plan is representative of the equivalent cost of a funeral today plus an arrangement fee of £325 which we retain to help cover the costs of setting up your plan.