Prepaid Direct Cremation Plans Compared

Prepaid direct cremation plans — sometimes called unattended cremations — allow you to arrange and pay in advance for a straightforward cremation without a funeral service. They are chosen for their lower cost and simplicity.

In this review, we compare two leading UK providers of prepaid direct cremation plans: Co-op Funeralcare and Golden Leaves.

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By Clare Townhill Updated 29 September 2025
Disclaimer: Prices and ratings correct at time of writing.

 

Quick Summary: Direct Cremation Compared

Co-op Funeralcare Direct Cremation: From £1,700 (or £1,625 for members). Includes collection (within 50 miles), care, a simple coffin, and cremation fees guaranteed. Instalments up to 12 months interest-free, or up to 5 years with charges. Trustpilot 4.5★ (3,434 reviews).

Golden Leaves Copper Plan: From £1,700. Includes collection nationwide, coffin, cremation fees guaranteed, and ashes returned. Doctors’ fees are not included. Instalments up to 12 months interest-free, or up to 8 years (finance with interest). Trustpilot 4.8★ (5,110 reviews).

In short: Both providers offer prepaid direct cremations at around £1,700 with 12 months interest-free. Both are trusted providers but Golden Leaves edges ahead on service, flexibility, and customer satisfaction.

Co-op Direct Cremation Plan Review

★★★★★ Trustpilot 4.5★ 3434 reviews

Co-op Funeralcare is the UK’s largest funeral provider, with over 800 branches nationwide. Its prepaid Direct Cremation Plan offers a simple, unattended cremation at a fixed price of £1,700 (or £1,625 for members). The plan includes collection within 50 miles, care, a simple coffin, and cremation fees guaranteed.

 

Families can spread payments over up to 12 months interest-free, or up to 5 years with charges. A key advantage is access to face-to-face support at local branches—something many direct cremation specialists don’t provide.

 
Trustpilot
4.5★ (3,434 reviews)
FCA Regulated
Yes (via Funeral Planning Authority)
Price from
£1,700 (or £1,625 for members)
Payment Options
Pay in full • 12 months interest-free • Up to 5 years with charges
Coverage
800+ funeral homes across the UK
Pros and cons
Pros Cons
Affordable entry price (£1,700; £1,625 for members)
Cremation fees guaranteed
Backed by a large national network with 800+ branches
Face-to-face support available at funeral homes (a USP vs remote-only providers)
Instalments available up to 5 years
No attendance, no choice of date or location
Instalments beyond 12 months incur charges
Doctor’s fees excluded (will incur an additional cost)
What is included
  • Professional funeral director services and administrative support
  • Collection, cremation, and a basic coffin
  • Ashes collection from a branch or crematorium, or scattering at the Garden of Remembrance
What is not included
  • No attendance or service by mourners
  • Cremation date/time set by Co-op
  • No option to view the deceased
  • Burial plot, flowers, memorials, or catering not included
How it works
  1. Choose the Direct Cremation Plan.
  2. Pay in full or opt for short-term instalments.
  3. Co-op arranges collection, cremation, and next steps.
  4. Ashes returned or scattered per your preference.

Golden Leaves Copper Plan Review

★★★★★ Trustpilot 4.8★ 5110 reviews

Golden Leaves, established in 1984, is one of the UK’s longest-standing funeral plan providers, working with a network of independent funeral directors. Its Copper Plan is a popular prepaid direct cremation option priced from £1,700. It includes nationwide collection, a simple coffin, transport to the crematorium, and cremation fees guaranteed.

 

Unlike Co-Op, doctor’s fees are not included. Payments can be made in full, over 12 months interest-free, or spread over up to 8 years with finance charges. The Copper Plan suits those who want a low-cost cremation arranged locally through independent directors, with flexibility to spread the cost over a longer period.

 
Trustpilot
4.8★ (5,110 reviews)
FCA Regulated
Yes
Price from
£1700
Payment Options
Pay in full • 12 months interest-free • Up to 8 years with finance (charges apply)
Coverage
UK-wide through local network of funeral directors
Pros and cons
Pros Cons
Simple, affordable direct cremation plan at £1,700
Cremation fees guaranteed
Nationwide coverage via independent directors
Instalments available up to 8 years (with interest)
No attendance, no procession, no extras
Doctor’s fees excluded — families must pay these separately if required
Longer instalments can significantly increase the total cost (e.g. £1,700 vs £3,165 over 8 years)
No attendance, no procession, no extras
Doctor’s fees excluded — families must pay these separately if required
Longer instalments can significantly increase the total cost (e.g. £1,700 vs £3,165 over 8 years)
What is included
  • Funeral director services, documentation, and care 24/7
  • Basic coffin, cremation fees, doctor’s fees
  • Ashes returned or scattered at crematorium
What is not included
  • No funeral service or chapel visitation
  • No burial, no extras like flowers or catering
  • Doctor’s fees excluded — families must pay these separately if required
  •  
How it works
  1. Take out the Copper Plan and pay upfront or via instalments.
  2. Removal and cremation are organised centrally.
  3. Ashes handled according to your wishes, without extra cost.
  4.  

 

Side-by-Side Comparison

Feature Co-op Funeralcare – Direct Cremation Plan Golden Leaves – Copper Plan (Direct Cremation)
Trustpilot rating 4.5★ (3,434 reviews) 4.8★ (5,110 reviews)
Regulation FCA authorised FCA authorised
Price (from) £1,700 (£1,625 for members) £1,700
Payment options Pay in full • 12 months interest-free • Up to 5 years with charges Pay in full • 12 months interest-free • Up to 8 years with finance (charges apply)
What’s included Collection (within 50 miles), care & preparation, simple coffin, cremation fees guaranteed, ashes returned or scattered Nationwide collection, care & preparation, coffin, cremation fees guaranteed (Mon–Fri single slot), ashes returned or scattered
What’s not included Attended service, choice of time/date/crematorium, viewing/chapel visits, extras (flowers, limousines, notices) Attended service, viewing, embalming, pallbearers, limousines, extras
Doctor’s fees Not included (medical certificates required for cremation, typically ~£164) Not included (medical certificates required for cremation, typically ~£164)
Coverage 800+ Co-op branches nationwide; access to face-to-face service Delivered via network of independent funeral directors (arranged remotely)

Conclusion

Both Co-op and Golden Leaves provide simple prepaid direct cremation plans at around £1,700, making them attractive to anyone seeking an affordable, no-service option.

Co-op’s strength lies in its nationwide network of 800+ branches and the reassurance of face-to-face support from a household name, while Golden Leaves offers longer instalment terms, consistently higher customer ratings at 4.8★, and clear, fixed-price plans.

Neither plan includes doctor’s fees (around £164). If you value convenience and the backing of a household name Co-op is a safe choice, whereas if you prioritise payment flexibility and customer satisfaction, Golden Leaves is the stronger option.

Compare Funeral Plans

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Direct cremation guide

Direct cremation has become the UK’s most popular low-cost funeral option in 2025, averaging just £1,597 compared to £4,285 for a traditional funeral. Golden Leaves offers two prepaid direct cremation plans, providing professional care, a simple coffin, and guaranteed cremation fees, with the option to spread payments. Trusted by families nationwide and rated 4.8★ on Trustpilot, it’s a dignified and flexible way to plan ahead.

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