What funeral costs do I need to cover?
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 services: burial fees or cremation fees, plus the minister or officiant’s fee. They are outside the control of the funeral director but will be paid by them, to the third parties at the time of the funeral.
The Value Plan includes an £800 allowance for third party costs and this allowance is lower because the choice of date and time of the funeral is restricted.
The value of the third party cost allowance included in your plan will grow over time. Only if third party costs were to increase by more than the growth of your plan might there be more to pay at the time of the funeral.
Third party costs guarantee
If you choose cremation and pay for your plan by the single payment or 12 monthly payment options, for an additonal £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 the specified guaranteed period, your additional payment of £200 will be transferred into your third party costs allowance.
This guarantee is not available for burials. Please refer to the Key Features document for more information.
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
Collection and transportation of the deceased to the funeral director’s premises within a 25 mile radius (during working hours)
Care of the deceased prior to the burial or cremation (excluding embalming)
Use of chapel of rest or service rooms
Family viewing at any pre-arranged time***
The funeral service at a local cemetery or crematorium
Funeral held on a normal weekday, during working hours
Hearse to local crematorium or cemetery
Provision of sufficient staff to attend to the coffin as required
£800 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