Dignity Funeral Plans Review

dignity funeral plans

  • plans guarantee your cremation fees at today's prices: most plans only make a contribution
  • the Diamond Plan received a 5 Star Defaqto Rating
  • All services included honoured on instalment plans greater than 12 months*
  • Dignity funerals offer nationwide coverage
  • highest allowance of £1,220 for burial fees rising in line with RPI

Beat the price rise - apply before the 17th December 2019 

Dignity funeral plans are provided by one of the UKs leading and most trusted funeral plan providers, Dignity. With prices starting from £2,895 or £18.73 a month, there are four plans to choose from, all of which guarantee the cost of the funeral services included with nothing more to pay.

Read our Dignity Funeral Plans Review to understand the benefits and pitfalls; and then read our other funeral plan reviews.

The Dignity Promise: Dignity guarantee to pay the outstanding balance on all monthly payment plans longer than 12 months if you die before your instalments are complete

Who is Dignity?

This funeral plan review will focus on Dignity funeral plans, a market leading plan provider who launched the first funeral plan in 1985.

In addition to providing funeral plans, Dignity also own their own funeral directors throughout the country and are the largest single operator of crematoriums; so a well established company. (plans can be used at any crematorium though – not just Dignity owned crematoriums).

What plans do they offer?

In addition to contribution style plans versus fully guaranteed funeral plans, most plan providers offer 3 or 4 levels of service.

Typically there will be a standard, midrange and superior funeral plan, the main difference between the three being the quality of the coffin and whether limousines are included for the family.

More recently though to help with tighter budgets and more simple requirements, a number of funeral plan companies now offer a Limited or Simple funeral plan, which provides the essential funeral services but includes some restrictions such as the times of the funeral service or the allocation of funeral director.

As we have compared the funeral plan market and chosen to recommend Dignity here is a list of services included in their 4 guaranteed funeral plans and the cost of each plan.

Services included in each plan Limited Plan Amber Plan (standard) Pearl Plan (midrange) Diamond Plan (superior)
For a cremation funeral the plan will: tick icon tick icon tick icon tick icon
For a burial funeral the plan will: tick icon tick icon tick icon tick icon
Guarantees that your family will have no more to pay for a cremation funeral tick icon tick icon tick icon tick icon
Arranging the funeral service tick icon tick icon tick icon tick icon
Transportation of the deceased tick icon tick icon tick icon tick icon
Care of the deceased prior to the cremation or burial tick icon tick icon tick icon tick icon
Viewing of the deceased in a private chapel of rest by agreed appointment Normal office hours Normal office hours Weekdays Anytime
The coffin: (fully lined & fitted) Basic Wood effect Quality wood effect High quality wood veneer
Funeral procession including hearse Directly to crematorium Directly to crematorium To service location & then to crematorium To service location & then to crematorium
All plans come with a hearse, but you can choose whether you want limousines cross image cross image One limo Two limos
Attendance of funeral director & staff at the service tick icon tick icon tick icon tick icon
Personalise the plan at any time tick icon tick icon tick icon tick icon
If you move home, your plan comes with you tick icon tick icon tick icon tick icon
Ability to make additional contributions cross image tick icon tick icon tick icon
Complimentary thank you cards cross image cross image tick icon tick icon
Mutual agreement on the time and day during normal hours cross image tick icon tick icon tick icon
Mutual agreement on the time and day during normal hours Limited tick icon tick icon tick icon
Use for all payment options Brochure Request Brochure Request Brochure Request Brochure Request

Which funeral services are guaranteed?

The all important part of the funeral plans review that helps you understand if there will be anything left for the family to pay:

Guaranteed Services

All of Dignity's plans guarantee to cover the funeral directors services in the plan which means there is nothing further to pay for them when the time comes. This includes arranging and conducting the funeral, care of the deceased, a coffin and depending on the plan chosen a limousine to accompany the hearse.

The main feature that makes the Dignity Funeral Plan stand out against most other plans is that it is only one of the few plan providers on the market that also actually guarantees the cremation fees and minister’s fees too; so a more comprehensive funeral plan for your money.

Service Not Guaranteed

All the services included in the plan for a cremation funeral are fully guaranteed.

If you prefer the burial option then the plan includes one of the largest allowances of £1,200 that increases in line with RPI.

Although not a guarantee, the plan is more comprehensive than most as the allowance can be used in its entirety for any funeral costs such as help with the plot, the reception or funeral flowers and if there is any money left over, it is paid back to the family or estate. Most other funeral plans restrict the use of the allowance just to the actual burial or interment fees and if you don’t use it all, you lose it.

Will there be more for my family to pay?

All the cremation services included in the plan are guaranteed with nothing more to pay however the plan doesn’t include a second doctors certificate. Although this is currently required everywhere in the UK apart from Scotland, the law is soon to change meaning this won’t be necessary. As Dignity didn’t want customers paying for a service they won’t need in the future, they removed this element from their funeral plans.

If you choose the burial option there could be more to pay if the costs exceed the £1,220 allowance (or whatever it has grown to) included in the plan.

What is the Dignity Defaqto Rating for each plan?

To assist in your funeral plan review, Defaqto the independent researcher of financial products has rated Dignity Funeral Plans according to their level of service.

The Dignity Diamond plan along with the superior plan they offer through Age UK was rated 5 stars, which is the highest rating achievable. The midrange Pearl plan was rated 4 stars and the Amber and Limited plans were each awarded 3 stars. 

How can I be sure my money is safe?

Another very important part of this funeral plan review is to note that Dignity 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 Dignity funeral plan your money is held in the National Funeral Trust which is a completely separate entity to Dignity; therefore if anything were to happen to the company, the trust fund with your money in it would remain intact ready to pay for your funeral services.

In addition to annual independent audits and actuarial reviews, Dignity also produces a report every year of its findings so everything is transparent.

How can I pay for my Dignity funeral plan?

With a Single Payment

The cheapest way to buy a funeral plan from Dignity is either to pay in one go, or spread your costs over 12 months and you won’t incur any additional fees.

Monthly Instalments

If you prefer to spread your payments over a longer period, Dignity offer instalments between 1 and 25 years depending on age, with no deposit.

On monthly plans longer than 12 months, Dignity also promise that if you die before completing your instalments, your funeral services as detailed in the plan will be provided with no charge to your family. You just need to have had the plan in place for 12 months and be up to date with your payments.

Payments should be complete by the age of 85 and you have the flexibility to pay more into the plan at any time, or pay the balance off early.

Dignity funeral plans have a minimum acceptance age of 50 however no maximum threshold (unless you are paying by monthly instalments as mentioned above). 

Can I choose either a burial or cremation funeral?

The plan works for both options so you can choose either a cremation or burial funeral when you apply. Alternatively you can state that you are ‘undecided’ and choose your preferred option at a later date or leave it to the family to decide.

Can I cancel my plan?

When you apply for your Dignity funeral plan you have a 30 day free cancelation period giving you time to review all of the details and if you are not entirely happy, you can cancel the plan and receive a full refund.

If you cancel your funeral plan after this period you will receive a refund of the money paid, minus a cancellation fee of £395.

Who will my funeral director be?

They work with over 1,200 funeral directors across the UK; over 800 are owned by Dignity Funerals with approximately 400 other approved independent funeral directors who accept their plans. You can therefore choose one of these companies or Dignity will allocate a funeral director who is closest to your home address.

What happens if I move home?

If you move the Dignity funeral plan moves with you at no extra cost and they will allocate a new nominated funeral director to your plan.

Do Dignity plans offer additional features?

The main features on the Dignity plans are the full guarantee for the cremation fees and minister’s fees included in the plan and also the full flexibility of the allowance included in the burial option that can be used for any aspect of the funeral, including help buying the burial plot. And any money left over from the allowance is paid back to the family or estate.

Our Dignity funeral plans review verdict

The fact that Defaqto has highly rated Dignity funeral plans, with the highest star rating achievable for the Diamond plan we think speaks volumes.

As an independent comparison and information website, we used to work with a range of different funeral plan providers such as Golden Charter, Golden leaves, Avalon and Perfect Choice. However because of the comprehensive nature of the plan, we found that most times we were recommending Dignity funeral plans to our customers. Therefore we made the decision to only recommend Dignity plans because we believe they truly offer value for money. 

They are easy to understand and do exactly what you think a funeral plan should do when looking to arrange a cremation funeral – they guarantee all of the services included in plan.

Third party costs for burial fees aren’t guaranteed but the allowance included in the plan is one of the largest and comes with complete flexibility – this means that it can even be used to help pay for the burial plot. What’s more if the allowance isn’t fully utilised, any remaining funds are either paid back to the estate or to the family.

The new Dignity Promise means that customers with payment plans longer than 12 months will not have the worry of dying before they have completed the instalments. Now in line with their new terms and conditions, the services as detailed in the plan will be provided without family having to pay any outstanding balance.

In addition, Dignity is registered with the Funeral Planning Authority and has won numerous awards for their quality of service. In fact they are the first company in the UK to have been awarded the BSI Kitemark for their Customer Services.  

Our verdict on the Dignity plan – comprehensive value for money plans offered by a well established award winning company.

claire shepherd
Dignity are now up to £300 cheaper than the Coop & £200 less than Golden Charter
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