Your guide to buying a funeral plan in Europe

Planning ahead

Whether you are thinking of retiring to Spain, Portugal or Cyprus to enjoy the ex-pat lifestyle or have already made the move abroad, it is important to be aware that customs vary by country when it comes to funerals, which is why a prepaid funeral plan is such a good idea. 

Arranging a funeral is difficult at the best of times but throw into the mix language barriers, different cultural practices and the potential issue of making arrangements remotely from a different country; it’s easy to see why so many British expats rely on the simplicity of a prepaid funeral plan


Why do British expats buy funeral plans when living abroad?


First and foremost you want to be sure that your family are protected from the emotional and financial stresses of arranging your funeral. Then there are the added complications that come hand in hand with living abroad such as:

The language barrier - making arrangements is difficult enough at the time of need so any difficulty with communication can only add to that pressure and possibly prevent the family from having the type of funeral you and they would want

Local Traditions - The country you live in will have different customs to the UK; for example you may find that the body needs to be cremated within 72 hours unless you have made prior arrangements

Legal Implications - Depending on where you live, some countries have regional legal red tape; processes that should be followed when a person dies which could be a minefield if your family end up signing paperwork without understanding the implications

If your family is in the UK, pre-arranging your funeral will give you peace of mind that everything will be taken care of and not left to them to sort out

A funeral plan will remove all this worry; ensure the service is carried out in accordance with local customs and your wishes and will ultimately save money.

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What happens when you die in Spain?


When someone dies in Spain, their next of kin is required to call the Guardia Civil (Police) and a Doctor (in the UK it’s just a doctor) who will in turn contact a local funeral director of their choice.


The next of kin will then be required to sign the ‘Body Release Form’, which in many cases also means that they have contracted to use that funeral director, often with no disclosure of prices or any awareness that they have committed to this. 

The deceased’s bank accounts and assets aybe frozen and the funeral usually takes place within 72 hours. 

The experience is very different with an Avalon prepaid funeral plan. Your next of kin would still inform the doctor and the police however they would also tell them that you have an Avalon Plan. Your family would then call the Avalon 24 Helpline and they will take care of everything else, removing the pressure from your family. 

Avalon has offices located in Alicante, Almeria and Malaga, Spain and their team speak English & Spanish plus have a good local knowledge and have relationships with most funeral directors

 

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Compare prices & plans - save £100 with our exclusive discount


The Avalon 24 hour helpline is based in Spain so when the time comes your family will have expert local speaking knowledgeable staff to take care of everything for them, just as you planned.   

Included in the plan:
Balmoral Plan
Windsor Way
Britannia Plan

Mortuary Expenses

These are the number of days the body can be laid in the mortuary before the cremation, giving time for family to attend.

1 Day
4 Days
3 Days

Advice on certification & registration

When the time comes, just one call to Avalon & they will take care of everything for you removing some of the stress for your loved ones .

Yes
Yes
Yes

Attending to all the funeral arrangements

The funeral director will carry out your wishes discussing with your family & making all the arrangements.

Yes
Yes
Yes

Conveyance of deceased to local mortuary

When the time comes the deceased will be taken to your local mortuary.

Yes
Yes
Yes

Preparation & care of the deceased

The body will be cared for and prepared for viewing if required.

Yes
Yes
Yes

Hearse to local cemetery

The hearse will take the body to the local cemetery, the family can follow in their cars.

Yes
Yes
Yes

Church service & priest

If you would like a service then the Windsor Way plan includes this.

No
Yes
NA

The coffin

A suitable coffin for burial, cremation or repatriation will be used.

Simple Coffin
Quality Coffin
Suitable Coffin

Repatriation of the deceased

The Britannia plan will take of the deceased & make all the arrangements to repatriate the body to the UK.

No
No
Yes

Provision of necessary staff

Sufficient staff present on the day.

Yes
Yes
Yes

Cremation or burial fees & doctors certificate

All these are taken care of and paid by the funeral director on your behalf.

Yes
Yes
Yes

Supply of an Urn

Suitable for taking the ashes aboard aircraft should you wish to bring them back to the UK.

Yes
Yes
Yes

Blue Certificate

This is required to take the ashes aboard an aircraft should you wish to repatriate them back to the UK.

Yes
Yes
NA

Small spray of flowers for coffin

The Windsor Way plan comes with flowers for the coffin.

No
Yes
NA

Free cancellation  period

Should you change your mind you can do so in writing within 14 days without charge & a full refund.

Yes
Yes
Yes

Price of plan in GBP after discount

The price shown is after the admin fee has been added & our exclusive £100 discount has been applied

£3,103
£3,503
£8,107

Price of plan in Euros after discount

The price shown is after the admin has been added & our exclusive €100 discount has been applied

€3,854
€4,334
€10,042
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Payment options


You can make one payment in full or you can spread you costs with monthly payment options. Payment terms greater than 18 months will be charged interest at 5% pa.  The tables below show the minimum deposit for each level of plan. You can pay a higher deposit to reduce your monthly payments: please ask for a quote. Prices shown include £100 discount only available through us.


 Instalment options Euros       Deposit    1 years    3 year    5 years   10 years 
Balmoral €80  €323.50 €133.88 €92.88 €62.13
 Windsor Way  €100 €361.83 €143.18 €93.38 €56.03
 Britannia  €120 €835.17 €330.01 €220.79 €138.88

 

 Instalment options GBP         Deposit   1 years    3 year    5 years   10 years 
Balmoral £80  £260.83 £108.21 £75.21 £50.46
 Windsor Way  £100 £292.50 £120.34 £83.12 £55.21
 Britannia  £120 £673.91 £266.55 £178.36 £107.01

 

Please note that for repayments of 3 years or more the monthly payments will be slightly higher

in the first year to pay for the administration fee

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How to get more information & apply


We provide an online, telephone and postal service – nobody will visit your home unless you specifically request a visit.  

To find out more about the prepaid funeral plans for expats, simply request a brochure; send an email to info@over50choices.co.uk; use the online chat on this page, request a call back or call us on 0800 133 7656 or 01579 647050.

Alternatively if you would prefer a home visit please click here although please note that the Avalon Home Service is not available with our "£100 discount special offer".

Once you are happy with the information you have received, you can apply by completing the application form we will send you either by email or post. 

This special offer is only available when you apply through Over50choices.

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What happens next once you have applied


Your acceptance is guaranteed regardless of your health, so you can be sure that your plan will be in place as soon as possible, usually 30 days. 

Your Certificate of Entitlement will be sent to you along with your membership pack and access to the Avalon 24 Hour Bereavement Service based in Spain. 

Carry on enjoying your expat lifestyle for many years to come.

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Frequently asked questions

Can I pay for my plan in Euros or Sterling? 

Yes, you can pay for you plan in either Sterling or Euro’s, whichever is better for you. 


How safe is my money? 

Your money will be invested in a separate Trust that is independently audited to ensure that there are sufficient funds to meet future liabilities: should your nominated funeral director go bust your plan will be reallocated in the knowledge that your money is safe. 


How flexible are the plans? 

If you move house or move country, to one that Avalon operate in, you can transfer the plan for free. 

Please note that if you move back to the UK that the disbursements costs included in the plan will no longer be guaranteed, but offer an allowance towards these costs, see terms & conditions for details. 

You can add services and tailor the plan at any time but there may be additional costs depending on the change. 


What if I change my mind? 

We hope that you won’t but sometimes we recognise that circumstances change and so if you cancel the plan within 14 days of applying you will receive all of your money back. After this there will be a cancellation fee of £300 payable. 


Can I have my body repatriated to the UK? 

Yes, the Britannia plan provides repatriation services and provides an allowance for repatriation costs. The Balmoral and Windsor Way plans provide approved Urns and Certification to transport your ashes back to the UK. This plan will take care of body repatriation to the UK. The cost of repatriation can be expensive and with the Britannia plan this will help alleviate the financial burden.

That said the majority of expats choose to be cremated in Spain.


I have Expat Insurance, why do I need a funeral plan? 

Having ex-pat insurance will undoubtedly help your family, but this will take time to be paid to your family and will not help them through the stressful process of arranging your funeral in a country that will have different customs and procedures. 

Just one telephone call to Avalon in their Spanish Offices will ensure that all your funeral arrangements are taken care of as you would have wanted. 


Are funerals in Spain more expensive than the UK? 

Depending on which type of service you require the cost of a funeral in Spain is similar to the UK. 


I am considering moving to Spain, should I buy a plan now or once  I have moved?

If you moving to Spain from the UK you can purchase the plan before you move once  you know your permanent address, if you choose the dual certification option, then the plan will also cover you whilst you are in the UK. You can of course wait until you are living in Spain and buy a plan later. 


Do you have homes in both the UK & Europe? 

Whilst some people will have retired to Spain others will have homes in both the UK and Spain and divide their time between the 2 properties; with the “dual certification” option your plan will provide cover in both locations.


I have been living in Spain for many years, is it too late to buy a plan?

No, it doesn't matter how long  you have been living on Spain or how old you are. 

 

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Malta & Cyprus

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Over50choices Ltd (Reg No. 8411985) Coldharbour Barn Modbury Devon PL21 0SD. Authorised & regulated by the Financial Conduct Authority (FCA 594280).

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