Compare Pre-Paid Funeral Plans

The smart way to plan for your funeral, from £13.39 per month

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What is a funeral plan?

A funeral plan is a way of pre-paying for a funeral in advance. This lets you fix in the price of the funeral at today’s prices.

When the time comes, your family just has to make one phone call to a local funeral director. The funeral director would already be aware of the funeral plans and they would have been paid in advance.

By buying a funeral plan now, you will protect your family from higher costs later on – and make sure all of your wishes are carried out as you would want.

What is included in a cheap funeral plan?

Funeral plans vary from plan to plan. You can choose from a very cheap basic funeral plan, or go for a very extravagant plan depending on your preference and budget.

What is usually included:

  • All funeral director costs
  • A minister to conduct the funeral ceremony
  • A coffin
  • A hearse
  • Care of the body
  • Crematorium fees

Protect your family against rising costs

The price of a funeral in the UK is rising at an astonishing rate. When you prepay for a funeral plan, you guarantee that you lock in the price of a funeral at today’s prices.

So for example:

If you bought a funeral plan today at £3500 and the plan wasn’t used for 20 years. You wouldn’t be expected to pay £14,000 for the future cost. Your original funeral plan (which cost £3500) would cover all of these future costs.

Funeral plans are sheltered from inheritance tax

When you buy a pre-paid funeral plan, it is completely outside of the reach of inheritance tax.

If you used this money as savings, with the idea of this being used towards a funeral then your family may have a nasty surprise. The money you put aside will form part of your estate, which may be subject to inheritance tax.

How to pay for your monthly funeral plan

The payment options for a funeral plan can be tailored around your budget to make sure that it is always affordable.

Your choices include:

  • Paying for your funeral plan outright in one payment
  • Splitting your funeral plan costs into monthly payments for up to 3 years and pay no interest at all on your payments
  • Pay a low deposit and then split your costs into monthly payments, up to 5 years

Funeral Plan Quick Guide

Check out our quick guide for useful tips before you get your free quote:

With a funeral plan, you pay a lump sum or instalments to your funeral provider at today’s prices. When the time comes, the cost of the funeral is covered by the funeral plan (no matter how far away this is)

Funeral plans are only a good idea if you are looking to:

  • Make arrangements for your funeral in advance to remove stress for your family in the future
  • Save money for your family by securing the cost at today’s prices
  • Make specific requests at the funeral

A funeral plan is a product which allows you to prepay for a funeral in advance. This is particularly useful as the cost of funerals increase heavily on average each year. By prepaying for the funeral, it is a way of securing the cost at today’s prices

On average, costs of funerals vary from between £5000-£8000 depending on what extras are taken and the location of the funeral

The average cost of a UK funeral plan is between £3000 and £5000. This is only a rough guide, if you are looking for a specific price then we would recommend that you consult your funeral plan providers representative. They will be able to explain in full all of the various options available for you, as each plan is tailor-made

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