UK funeral costs by region
The cost of a funeral varies throughout the UK. As you may expect, London is the most expensive area when it comes to paying for a funeral however other regions are rising at a faster rate.
According to the Sunlife’s 2021 Cost of Dying report, funeral costs in the South East increased by 9.8% between 2019 and 2020. A huge difference compared to the average national increase of 1.20%.
Breakdown of funeral costs
This breakdown of funeral costs highlights on average what you could expect to pay of a funeral in the UK in 2021. Prices vary depending on the type of funeral, where you live and the services you include.
- Basic funeral costs (funeral director and 3rd party costs) - £4,184
- Additional funeral expenses – £2,532
- Professional fees for administering the estate - £2,547
This means the total cost of dying in the UK is now £9,263.
What are the funeral director costs?
Funeral director’s costs in the UK currently average £2,687. These costs include collection and care of the deceased, administration, viewing, the coffin, hearse, funeral cars for family and services on the day. The funeral director will also liaise with third parties and provide support for the family throughout the process.
What are the 3rd party funeral costs?
Third party funeral costs comprise of those essential services not provided by the funeral director. This includes the cremation or burial fees, the minister or celebrant’s fees which currently average £169 and the doctor’s charges. Doctor’s fees are only required for some cremations but if required, cost around £82 (reduced due to COVID).
What are the additional funeral expenses?
Additional funeral expenses are the services you choose as optional extras that personalise the service such as:
- Memorial - £1,016
- Limousine hire - £336
- Wake, including venue hire and catering - £450
- Order of service - £94
- Flowers - £193
- Death notices - £75
What are the professional fees?
Professional fees for administrating the estate may be necessary if probate is required, however this all depends on whether you decide to do it yourself or use the services of an expert.
For more information look at our guide to probate.
Can I get help with funeral costs?
Help with funeral costs is available through the government’s funeral payment scheme. This funeral expense payment is for people on low incomes claiming certain benefits. Whilst it doesn’t cover all costs, the funeral payment can help with cremation or burial fees, transportation of the deceased and death certificates.
In addition, the funeral payment also provides up to £1,000 for additional funeral expenses such as the funeral director fees, flowers or the coffin.
Help with funeral costs is also available through the Bereavement Support Payment. This allowance is for bereaved spouses or civil partners under the state pension age. If eligible you receive a one-off bereavement support payment, plus 18 monthly payments, the rates for which depend on whether you have dependent children.
Funeral costs calculator
The funeral calculator is designed to help you understand how much a funeral could cost in years to come. It also highlights the benefit of paying with a prepaid funeral plan versus using your savings.
Just use the sliders below to confirm your current age and an estimate of how long you think you might live and the funeral calculator will do the rest.
Your guesstimate of how long you will live:
Average cost of a prepaid funeral plan today is £3,750
The amount £3,750 will have grown to at 1.5% AER in a savings account
Cost of a funeral based on funeral inflation for the last 10 years at 4.7%
The amount you could save your family if you buy a prepaid plan today
According to Sunlife the average cost of a funeral in 2020 was £4,184
Note: Graph visuals are representative. Accurate figures and savings are provided