What is the cheapest funeral plan?
The cheapest funeral plan provider is Dignity, who provide nationwide cover starting from £2,795. It includes a full guarantee for your funeral directors costs including their services on the day, a hearse, coffin, use of the chapel of rest and importantly your cremation and minister’s fees too.
All of the cremation services included in the plan are fully guaranteed, but there are certain restrictions which is why it is a cheaper funeral plan; e.g. the time of the funeral service and availability of funeral directors.
When comparing plans make sure you check which services are guaranteed and that the company is a member of the FPA, otherwise you easily end up with a cheap deal, but it could be a bad one. If this is still stretching the budget, then the cheapest funeral you can have is direct cremation, a simple cremation without a funeral service costing between £1,300 to £1,800.
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How do funeral plans work?
Prepaid funeral plans include the essential elements required for a UK funeral service; be it a cremation or burial funeral. You pay at today’s prices for your plan and your money is held either in a trust fund or a life insurance policy until it is required to pay for the funeral costs as detailed in your plan.
The funeral services included in prepaid plans fall into two categories; the costs incurred by the funeral director and the disbursements which are third party costs, beyond the control of the funeral director.
All pre-paid funeral plans guarantee to cover your funeral directors costs which includes their professional advice and support, services on the day, the coffin, hearse and depending on the level of cover, limousines and use of the chapel of rest. This means there will never be anything more to pay for these services however, a large part of the overall funeral costs are made up of the 3rd party fees which unfortunately on many plans are not guaranteed.