Co-op Funeral Plans Review 

Key Points

  • Choice of 4 prepaid funeral plans
  • Two plans guarantee your cremation & burial fees at today's prices
  • You must use a Coop Funeral Director

Coop funeral plans are provided by Co op Funeralcare, one of the UK’s largest and most well-known funeral providers. With a range of payment options available, a Co op funeral plan guarantees the services of either a cremation or burial funeral provided by one of their experienced funeral directors. 

Who is Co-op Funeralcare?

This funeral plan review will focus on Coop Funeral Plans provided by Coop Funeralcare, the largest Funeral Director in the UK with more than 1,000 funeral homes across the country.

Co op Funeralcare has been providing funeral services for more than 80 years in addition to banking, insurance, legal services and food.

Which funeral plans do Co-op offer?

Co op Funeralcare offers set prepaid funeral plans as well as tailor made plans that are bespoke to your individual requirements. We will focus on the set Co op funeral plans -Simple, Bronze, Silver and Gold:

Simple funeral plan – This Co op funeral plan has a full guarantee for the funeral director’s services. This includes their help and guidance with the documentation; use of the chapel of rest, funeral services on the day; a simple coffin and a hearse.

The plan also includes a contribution of £950 towards defined third party fees. Please note that with the Simple plan some restrictions to the date and time of the funeral service may apply.

Bronze funeral plan – This Co op funeral plan has a full guarantee for the funeral director’s services. This includes their help and guidance with the documentation; use of the chapel of rest, embalming, funeral services on the day; a wood effect coffin, hearse and funeral procession.

The plan also includes a contribution of £1,100 towards defined third party fees. Cremation fees are guaranteed.

Silver funeral plan - This Co op funeral plan has a full guarantee for the funeral director’s services. This includes their help and guidance with the documentation; use of the chapel of rest, embalming, funeral services on the day; a quality wood effect coffin, hearse, one limousine and funeral procession.

The plan also includes a full guarantee for the third-party costs for a burial or cremation.

Gold funeral plan – This Co op funeral plan has a full guarantee for the Co op funeral director’s services. This includes their help and guidance with the documentation; use of the chapel of rest, embalming, funeral services on the day; a quality wood veneer coffin, hearse, two limousines and funeral procession.

The plan also includes a full guarantee for the third-party costs for a burial or cremation.

Please note for burial services on any Co op funeral plan, a burial plot is not included so will need to be purchased separately.

Which costs are guaranteed?

Guaranteed Services

All Co op funeral plans guarantee the funeral director’s costs so there will be nothing left to pay for the services included in your plan. The Bronze plan also guarantees the cremation fees.

The most notable difference compared to most funeral plan providers is that the Silver and Gold Co op funeral plans fully guarantee all third-party costs for a cremation funeral including doctor’s fees should they be required, and for a burial funeral (excluding the cost of the plot).

Service Not Guaranteed

The Simple plan only includes a contribution towards third- party costs and you cannot stipulate the time or date of the funeral.

The Bronze plan also includes a contribution towards third party but only guarantees the cremation fees.

The Co op funeral plans offer comprehensive cover for both cremation and burial fees; everything included in the plan is guaranteed.

Will there be more for my family to pay?

With the Silver or Gold Co op funeral plan there will be no more to pay for the services included in the plan, unless you choose the burial option, in which case they will need to pay for a burial plot.

With the Bronze and Simple plans your family will need to pay more if the included in the plan is not enough to cover the third-party costs at the time, although the Bronze plan does guarantee the cremation fees.

How can I be sure my money is safe with Co operative Funeralcare?

Co op Funeralcare is registered and regulated by the Funeral Planning Authority (FPA) so therefore has to abide by their strict rules and code of conduct.

When you buy a Co op funeral plan your money is invested in a whole of life insurance plan and therefore regulated by the Financial Conduct Authority (FCA).

How can I pay?

With a single payment

You can choose to pay for your Coop prepaid funeral plan in full or over 6 or 12 months and the cost will be the same. Basically there are no additional fees for spreading your costs over 6 or 12 months.

Monthly instalments

If you prefer to spread the cost of your Co op funeral plan over a longer period, instalment options of between 2 and 25 years are available depending on age. You must have completed paying for your Co op Funeral Plan by your 80th birthday.

As with all funeral plans, instalment fees do apply for this payment option.

Co op funeral plans come with an incentive for monthly payers – the Co op Commitment. It states that if you were to die after the first 12 months of your plan but before all your instalments have been paid, the Co op Funeralcare will still provide the services included in the plan without charging your family.

Is there an age limit on Coop Plans?

Coop funeral plans are available to UK residents who are 18 years and older. There is no maximum age when paying in full but with the instalment options you need to have completed your monthly payments by the age of 80.

Who will my funeral director be?

There are more than 1,000 Co op funeral directors located across the UK so you can select which of their funeral homes you would like to carry out the service.

Can I cancel the plan?

When you apply for a Co op prepaid funeral plan you have a 30-day free cancellation period, so you have time to review the details of the plan, cancel if it doesn’t suit you and receive a full refund.

If you cancel your Co op funeral plan after the initial 30 day period a cancellation fee of £250 will apply.

What happens to my funeral plan if I move home?

If you move home in the UK, your Coop funeral plan moves with you at no extra cost.

Our Coop funeral plans review verdict

Co op Funeralcare is a well-respected company. Their top two funeral plans fully guarantee both a cremation and burial funeral including third party costs – only the cost of a burial plot is excluded. The Co op commitment also protects people with instalment plans who die before completing their monthly payments.

The Simple plan does not guarantee any third-party costs and the Bronze plan only guarantees the cremation fees. Both include a contribution towards these costs but there may be more to pay at the time of the funeral.

Compare prepaid funeral plans

Updated 24th June 2022
by Ashley Shepherd
Ashley Shepherd

Ashley is the founder and managing director at Over50choices. With over 30 years’ experience in financial services, he has held senior roles in building societies, banks and insurance companies.

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