This article was last updated on 1 June 2021.
The death of a parent, friend, wife or husband is a difficult issue to deal with. It becomes even more challenging when you add the cost of a funeral, which has increased dramatically over the last few years.
This article will help you find the cheapest funeral packages.
As of 2020/21, the cost was estimated to be around £4,200, and this cost is likely to increase to £5,000 by the year 2022. It explains the high number of people taking out funeral plans designed to take care of the funeral costs, so the family doesn’t foot the hefty funeral cost.
It is a prepayment to the funeral insurance provider and can range between £3,000 and £4,000. A funeral insurance cover should include basic costs like:
Here is a video that explains a little more about what a funeral plan is and how to find cheap funeral packages.
Different providers cover varying costs, depending on the plan you choose. While some cheap funerals will include the cost of embalming, another will not cover this cost but will include the cost of the limousines for the mourners. So, what makes a good funeral insurance plan?
Since most plans require a fixed one-off fee, it should factor in the likely increase in prices of funeral services. If taking out a funeral director services only, it should account for such increase or inflation cost beforehand.
Thus, if buying a plan that costs £5,000 today but dies after 15 years when the cost of everything has doubled, making the cost £8,000, the family is not tasked with meeting the difference as the funeral plan is protected.
The FPA has been set up to regulate funeral insurance providers operating in the UK. An FPA registration affirms the provider’s credibility as the company has demonstrated its ability to meet the strict code of practice and met financial and company procedures.
Additionally, customers can access an independent dispute resolution process in the event of a disagreement with the provider.
The best funeral plans provide a funeral guarantee but most companies require the family and friends to cater for this cost. A funeral guarantee contract means that the funeral home accepts payment at the time of death for the services you have selected. As such, the bereaved are not required to pay for any additional costs.
The plan should allow for any changes that occur in the course of the life of the insured without incurring additional costs. As such, if the client relocates to another city in the UK, the plan should provide similar services, e.g., assign a new funeral director without additional costs.
Many companies have been set up to provide low cost funeral plans hence the need to compare funeral plans before signing up.
You also need to protect your monies from unscrupulous companies that charge hefty rates with providing the agreed services at the time of the death of the loved one. Here are things you should consider when comparing the plans:
On average, the cost of a funeral is £4,078.
This cost may vary, depending on the funeral arrangements and the location. For example, those who opt for a direct cremation may pay as little as £1,600, which includes a simple coffin, the collection of the deceased and the return of the ashes.
People who include a funeral director during the cremation might incur twice the cost, i.e. £3,311 and this cost does not include an elaborate burial ceremony. The next part of the text compares 10 cheap funeral cover options.
Golden Leaves offers the cheapest funeral plans starting from around £20 per month. The plans are grouped into Copper, Bronze, Silver, Gold, and Platinum, which means that you have a wider selection to choose from.
These plans are also fully guaranteed, and we believe the only one’s like this in the UK.
Each plan includes a funeral director’s professional services, advice on funeral registration and documentation, collection of the deceased from the hospital or coroner, care of the deceased, a coffin and a hearse.
The single payments per funeral cover are:
The company has a long-standing history of offering the best funeral services in the UK. It has 45 offices throughout the country that provide single operator crematoriums.
It also offers four funeral cover options; the Limited plan (£2,795), Amber (£3,195), Pearl (£3,550) and Diamond (£3,795). All the plans include the cost of a Dignity Funeral director, the total cost of cremation and the celebrant’s fee.
Funerals with burials are allowed £1,220, which caters for the minister’s fee and the cost of the burial. The family pays the costs that exceed this allowance. Dignity does not include the doctor’s fee in all its plans.
The company boasts more than 1,000 funeral homes located at the heart of local communities. What makes this company stand out is its ability to offer fixed prices that cover everything against inflation and future price increases.
The company offers four packages; the Simple plan (£2,895), Bronze plan (£3,295), Silver plan (£3,650) and Gold plan (£3,899).
All the plans include the cremation fees at the local crematorium, the funeral director services (personnel and the hearse), cost of the minister, caring for the deceased and the visits to the chapel. Also, the Simple plan restricts the date of the burial while the other plans allow you to choose an appropriate date.
Howard Hodgson, a fourth generation funeral director, established Memoria to offer memorial parks and crematoria services in the UK. All its plans are fully guaranteed.
The company offers a direct cremation plan, which is the most affordable (£1,490), a contemporary plan (£2,490) and traditional plan (£2,990).
The contemporary plan ensures the insured gets the traditional cremation and a funeral service while the traditional plan provides a conductor, four pall bearers, a hearse and a limousine (optional).
It is UK’s largest charity, Age Co is committed to helping seniors looking for affordable funeral plans. It has a network of 450 shops around the country.
The company provides four different plans; Basic (£2,770), Ivy (£3,170), Holly (£3,525) and Rowan (£3,770).
All the plans offer 24-hour transportation of the deceased to the funeral premises, care and preparation of the deceased, funeral director services and a hearse. However, they don’t include the medical certification fee, the cost of embalming, flowers, burial plot and costs associated with changes in regulation.
The company was established in 1989 and has been recommended by the Society of Allied & Independent Funeral Directors.
The provider offers four packages; the Value plan (£2,895), Standard (£3,495), Select (£3,850) and Premier (£4,099).
All the plans cover the funeral director service but other services (burial, crematorium and celebrant, among others) are provided on an allowance basis. If the allowance is more than the actual cost, the family meets the difference.
It is a pretty new company in the market and it offers four prepaid funeral plans.
Pride funeral plan costs £2,495 is the most affordable and does not make an allowance for third-party expenses. There is the Pride Simplified plan that costs £3,495, Pride Plus Plan (£4,195) and Pride Essential Prepaid plan (£3,895).
All the plans offer funeral preparation services, advice about registration and certification, the services of the funeral director and funeral arrangements.
The company was formed in 2003 to offer financially secure funerals. The plans are tailored to protect the insured and the funeral director who is tasked with the responsibility of providing funeral services.
It offers three plans; the Simple Plan (£2,995), Traditional Plan (£3,550) and Select Plan (£4,100).
All the plans cater for the provision of chapel for viewing of the dead before the funeral service but only the select plan offers attendance cards for those attending the funeral to sign.
It is the first company to introduce the Over 50s life insurance plan that dates back in 1979. Clients taking out plans with this company are entitled to the funeral services after paying for two years.
The company provides three funeral plans, which are similar to Dignity funeral plans; a direct cremation plan without a funeral service, Amber funeral plan with a full guarantee for the services of the funeral director and a Diamond plan. Amber and Diamond plans provide an allowance of £1,010.
The company was formed in 1993 and allows clients to buy the plans directly or through third-party partners. The company is FPA registered.
The most affordable plan is the Cremation only service, which costs £1,895. Therefore, it is regarded as one of the best funeral plans. Other plans include the Avalon Balmoral plan (£3,645), Highgrove Plan (£3,995) and Windsor way (£4,225).
Only the Avalon Windsor Way plan comes with a coffin and a limo for the bereaved. Allowance for third-party expenses for all the plans are pretty expenses.
You can contact us, in conjunction with Golden Leaves, in one of 3 ways:
All calls will be undertaken by Golden Leaves, the UK’s leading funeral plans provider
The UK Care Guide, along with Golden Leaves, is here to help you find the best funeral plan deal. You can contact us by phone on:
0333 567 1605
Want to book an appointment to speak to a specialist that looks at funeral plan costs? Book an appointment now.