How to find the cheapest direct cremation plan

  • Compare the UKs leading prepaid direct cremation plans
  • See which companies charge hidden extras
  • Read our prepaid cremation plan reviews
  • Save more than £2,800 on funeral costs*
In this guide: How prepaid simple cremation plans compare, what they cost and how the providers stack up

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How to compare the best direct cremation funeral plans

To compare the best prepaid cremation plans, consider the cost, what services are guaranteed and whether there are any hidden extras. Some pre-paid direct cremation funeral plans may look cheap however there could be more for your family to pay.

The following comparison table compares market leading UK providers to help you choose the best plan for you. Having compared the market, we have chosen Simplicity as our trusted partner, so if you would like a brochure or quote for their plans, we can help.

Provider Price FPA registered Collection fully covered Ashes delivered Cremation fees Doctors fees
More detail iconSimplicity £1,495 Yes Yes Yes Guaranteed Not included
More detail iconGolden Charter £1,950 Yes No No Allowance Allowance
More detail iconGolden Leaves £1,644 Yes No No Guaranteed Guaranteed
More detail iconPure Cremation £1,595 Yes Yes Yes Guaranteed Guaranteed
More detail iconAvalon £1,895 Yes Yes Yes Guaranteed Guaranteed
More detail iconRespect Express £1,550 No No No Guaranteed Not included
More detail iconMemoria £1,675 Yes No Yes Guaranteed Guaranteed
More detail iconSimplicita £1,645 Yes No No Allowance Not included
More detail iconSafehands £1,895 Yes Yes No Guaranteed Guaranteed
More detail iconOpen £1,845 Yes No No Allowance Allowance
More detail iconInformation *Get a £25 M&S gift card when you apply by 30/9/21 Request a Guide

Although a simple cremation, when it comes to comparing prepaid direct cremation plans, you want to ensure that the company you choose offers the best price but also a dignified and professional service, which is where we can help.

Which is the best direct cremation funeral plan?

The best cremation funeral plan should include a dignified simple cremation with no hidden extras, provided by a company you can trust. Having compared the UKs direct cremation funeral plans, the company we have chosen to partner with is Simplicity, part of leading UK funeral planning company Dignity.

In addition to offering one of the best priced prepaid direct cremation plans, Simplicity Cremations completely guarantee all the services included, so you can be sure your family will have no nasty surprises when the time comes.

Unlike some companies that only operate from one location, Simplicity Cremations provide their cremation services throughout the UK, using their nationwide network of privately owned Dignity Crematoriums.

In addition to their guarantee, they offer flexibility with a choice of three prepaid plans - a simple direct cremation; a cremation with up to 12 people in attendance or a cremation with a full-length service.

Top tips for comparing prepaid direct funeral plans

Although a few direct cremation plans guarantee all of the services included, others have hidden extras that your family may have to pay for when the time comes. Therefore when you compare direct cremation funeral plans, just remember some companies:

  • Charge extra for collection out of hours
  • Charge extra for collection from home or a nursing home
  • Only include an allowance for the cremation fees that could leave family with more to pay
  • Operate from a single location
  • Charge extra for return of the ashes

At the end of the day the cheapest prepaid plan may not be the best if there are additional services to pay for when the time comes.

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Customer reviews

Plan provider reviews

Take a look at our reviews - leading providers under the spotlight:

Simplicity Review
Golden Leaves Review
Memoria Review
Golden Charter Review
Open Review
Respect Express Review
Simplicita Review
Safe Hands Review
Pure Cremation

What should I do now?

To find out more about how prepaid plans compare, take a look at our comparison table for details of leading UK providers and read our reviews.

Alternatively you can request a brochure.

For more information on cremation only funerals, read our direct cremation guide.

*Receive a £25 M&S gift card when you apply by 30th September 2021.

*The Sunlife cost of dying report averafe funeral costs - £4,417

Frequently asked questions

  • What happens if my family decide they want a funeral service?
    • If your family decide they don’t want direct cremation, they can cancel the plan and receive a refund minus the cancelation fee.

  • Can viewing at the chapel of rest be arranged?
    • Viewing is not usually available with a direct funeral however families could always agree a collection time that allows for visiting first.

  • Is my money safe?
    • When you buy a prepaid cremation plan your money is held in either a trust fund or a life insurance policy.

      Trust based plan – The trust should be independent of the plan provider, which means your money is protected if something were to happen to the company.

      Insurance based plan - The policy is regulated and therefore protected by the Financial conduct Authority.

      Choosing a company that is registered with and therefore regulated by the Funeral Planning Authority means you are also protected by their controls and safeguards.

  • What is the cheapest funeral I can have?
    • One of the cheapest funeral options you can have is direct cremation, if you’re happy to have a cremation without a service.

      Alternatively you could arrange everything yourself without paying for the services of a funeral director. In fact, legally you can even be buried in your own back garden if you wish, however there are stipulations and your family may have difficulty in selling the property in the future.

      Another cheap option which avoids paying for a funeral altogether is donating your body to science; although there are no guarantees that your body will be accepted when the time comes. Therefore it could help to have an alternative plan in place to ensure the basic funeral costs are covered – which is where direct cremation could help.

  • How much does it cost to be cremated?
    • Cremation costs which include cremation services with family in attendance at a crematorium vary depending on where you live in the country. Ranging from £600 to over £1,000, they are not cheap and currently average more than £800 across the UK, so it is a bit of a postcode lottery.

      For direct cremation, some UK providers will charge you a fixed price as they use one crematorium. This means they have greater control over costs and are better equipped to offer low cost funerals.

      Others will use local cremation services at a crematorium that's nearby, so fees may vary depending on where you live. Providers will also use crematoriums at quieter times, which also cuts down on funeral costs.

  • *Gift card terms and conditions
      1. The new Planholder will receive one £25 Marks & Spencer Gift Card for each Simplicity Funeral Plan purchased by 23rd December 2019.
      2. All plans must be purchased by 23rd December 2019 and have passed their Cancellation period by 23rd January in order to be eligible for the offer.
      3. If you have previously cancelled a Funeral Plan provided by Over50choices within 30 days of taking that plan out, you will not qualify for the offer.
      4. If your plan is cancelled within the first 30 days, you will not be eligible for the gift card.
      5. After the 30 day cancellation period has passed without cancellation, you will receive your gift card by 1st class post. Once Over50choices has sent the Gift Card by post, any liability under the incentive scheme is complete
      6. Please allow 5-7 days for delivery once despatched. Over50choices Ltd will not be responsible for any Gift Cards that are delayed or lost in transit.
      7. In disputes, the decision of Over50choices will be final and no correspondence will be entered into.
      8. Only the Planholder may claim the Gift Card and it cannot be transferred to anyone else.
      9. No cash or other alternatives are available.
      10. This offer is provided and administered by Over50choices Ltd. For any queries relating to this offer, please call 0800 133 7656.

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