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Golden Charter - Smart Planning for Later Life
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  • Standard Plan

    An affordable Funeral Plan with flexibility around the time and place of the funeral.

    pay monthly from

    £16.45*

    or £3,495 in full

    Find out more
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If you’re looking for a Funeral Plan to cover more than just the essentials, our Standard Plan may be suited to your needs.

Differing from our Value Plan, our Standard Plan offers additional benefits including the flexibility for your family to choose time and date of the funeral, a funeral procession from the home to the funeral location and a £1,100 allowance towards third party costs at the time of the funeral (such as the fees for cremation or burial and for the minister or Officiant fees). Please note, the Standard Plan does not include a limousine.

Standard

£16.45 *

per month

or

£3,495

in full

Other costs to consider

 

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

 

These are the costs for essential, non-funeral director services required to carry out a cremation or burial. The funeral director cannot control these costs, and these fees need to be paid at the time of the funeral. Third party costs that may be covered by the allowance included in your plan can include doctor’s fees (if applicable), cremation, burial or interment fees and the Minister or Officiant’s fee to conduct the service. 

 

The Standard Plan includes a £1,100 allowance for third party costs. The value of the allowance 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 note: Our plans don’t include the purchase of a burial plot. Should you choose burial the plans include an allowance towards the opening of a new or existing grave. The purchase of a grave and any monumental work would need to be arranged separately.

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What this plan includes

  • Provision of professional services and making all arrangements for the funeral

  • Advice on the certification and registration of the death and related documentation

  • Simple coffin**

  • Collection and transportation of the deceased to the funeral director’s premises within a 25 mile radius (within working hours)

  • Care of the deceased prior to the burial or cremation (excluding embalming)

  • Use of the chapel of rest or service rooms

  • Family viewing at any pre-arranged time***

  • Arrangement of the funeral service at a local cemetery or crematorium

  • Funeral held on a normal weekday, during working hours

  • Choice of date and time of funeral

  • Funeral procession to funeral location (fees and costs of a service at a separate location not included)

  • Hearse to local crematorium or cemetery

  • Provision of sufficient staff to attend to the coffin as required

  • £1,100 allowance towards third party costs

  • 24 hour funeral director telephone support for the bereaved

  • Transportation to the funeral director's premises if death occurs whilst on holiday in mainland UK

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Golden Charter - Smart Planning for Later Life

Optional third party guarantee 

If you choose cremation and pay for your plan by the single payment or 12 monthly payment options, for an additional £200 you can choose to guarantee that third party costs will be covered if you die within five years from when your plan is fully paid. If you die after this period, your payment of £200 will be added into your third party costs allowance.

This guarantee is not available for burials or if you choose the Basic Plan. Find out more in our Key Features.

Golden Charter

 Why choose Golden Charter?

When you take out a Funeral Plan with Golden Charter, you have the reassurance that comes with choosing one of the UK’s largest Funeral Plan providers1, proudly owned by local, independent funeral directors.

 

  • Stay close to home

    We are owned by the people who understand your needs best – local, independent funeral directors, each one ready to extend a comforting arm when it’s needed. With almost 3,000 funeral directors in our network across the UK ready to accept our Funeral Plans2, you and your family will be able to find help close to home whenever it’s needed.

  • Personal service

    Many of the funeral directors in the Golden Charter network are family run businesses who hold a trusted place in their local community. When the time comes, one phone call to the chosen funeral director will ensure everything is taken care of, and carried out according to your wishes. Your family will receive a genuinely personal service when it matters most.

  • Funeral Planning Authority Registered Provider

    Set up by the funeral industry, the FPA aims to ensure customers receive the funeral they have paid for when it is needed. As a registered provider with the FPA, we are committed to protecting customers’ payments and we guarantee to cover the funeral director’s services included in your plan.

  • Your Payments Are Protected

    When you take out a Golden Charter Funeral Plan, rest assured your payments are protected. Depending on how you wish to pay, your funds are paid into the Golden Charter Trust, currently valued at £1.126 billion, or paid into one of the UK’s leading life assurance policies.

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We're here to help

Everyone has questions. In this section we try to answer questions about our products, services and the way you can buy and pay. If you have any other questions, don’t hesitate to get in touch. 

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Golden Charter - Smart Planning for Later Life

Sources

* The pay monthly prices are representative based on a 50 year old, paying by the low cost instalment option with a £49 deposit over a period of 30 years.

**Coffin supplied will be wood-effect quality or better. Your funeral director will provide further guidance on the types of coffin available within your plan.

***Costs may apply if out-of-hours viewing is required.

1 Based on recent market share of Funeral Plans sold. For details please see Funeral Planning Authority statistics 2018 here and Golden Charter Annual Review 2018/19.

2 Based on number of funeral director branches in the UK accepting Golden Charter plans at 1st September 2019 (2934). Golden Charter Annual Review 2018/19.

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    Plan Options
  • Ways to pay
  • Your information
  • Plan Options

  • How would you like to purchase your plan?

    If you are able to pay for your plan now, you can make a one-off single payment for immediate cover or alternatively you can get a quote for paying monthly. You can pay online via debit or credit card.

    *Amount varies depending on age, payment type and chosen plan.

  • Find the best monthly payment option for you

    We need some of your basic information before we can provide you with suitable payment options

    Get my quote

    *A length of term is not required to proceed with your quote.

  • Your monthly payment options

    Based on your information these are the payment options available to you. These payment options are payable via direct debit online.