Safe Hands Funeral Plans Review

Key Points

  • Plans guarantee funeral directors costs but not the cremation & ministers fees
  • Your family could have more to pay when the time comes
  • FPA registration application submitted and pending
  • One of the largest allowances of £1,200 for third party costs*

Read our Safe Hands Funeral Plans Review to understand the benefits and pitfalls; with funeral costs rising it's important to make the right choice which is where we can help you. Once you have read this review we recommend that you compare funeral plans not only in terms of costs, but benefits and guarantees.

*On the pearl sapphire and ruby plans

Who is Safe Hands Funeral Plans?

This funeral plan review will focus on Safe Hands funeral plans, a fairly new company that has been providing funeral plans since 2013. They work in association with funeral directors that are members of the National Federation of Funeral Directors (NFFD); again a relatively new tradebody, as well as other trade bodies such as SAIF (Society of Allied and Independent Funeral Directors), NAFD (National Association of Funeral Directors) and the BIFD (British Institute of Funeral Directors).  

What funeral plans do Safe Hands offer?

Safe Hands offer 4 main funeral plans plus a direct cremations plan that doesn’t include a funeral service.

Safe Hands Direct Cremation Plan – not a traditional funeral plan as this only includes the collection of the deceased, a crematorium approved coffin and the cremation fees. There is no funeral service and so no family members or friends are in attendance.

All costs in this plan including the cremation fees are fully gauranteed, so there will be nothing more to pay.   

Safe Hands Topaz Plan – includes the funeral directors help and guidance with the documentation, services on the day, a lined and fitted coffin, a hearse and use of the chapel of rest. 

There is no allowance included in this plan for third party cremation fees, therefore these will need to be paid for in their entirety when the time comes. These fees currently account for approximately 30% of funeral costs.

Safe Hands Pearl Plan - includes the funeral directors help and guidance with the documentation, services on the day, a lined and fitted coffin, a hearse and use of the chapel of rest. 

The plan also includes a contribution of £1,200 which increases in line with RPI to help with third party cremation fees.

Safe Hands Sapphire Plan - includes the funeral directors help and guidance with the documentation; funeral services on the day; a veneered coffin, hearse, one limousine and use of the chapel of rest.

The plan also includes a contribution of £1,200 which increases in line with CPI to help with third party cremation fees.

Safe Hands Ruby Plan - includes the funeral directors help and guidance with the documentation; funeral services on the day; an oak veneer coffin with gloss finish, hearse, two limousines and use of the chapel of rest.

The plan also includes a contribution of £1,200 which increases in line with RPI to help with third party cremation fees.

What services are guaranteed?

The crucial part of the funeral plans review which explains which services are guaranteed and more importantly which are not:

Guaranteed Services

Safe hands funeral plans guarantee that the funeral directors services included in each of the plans are guaranteed. This means that the 4 traditional Safe Hands funeral plans guarantee to include the funeral directors help and guidance with the documentation, services on the day, a coffin, hearse and depending on the level of service chosen, a limousine for the family.

Please note that the Direct Cremation Funeral Plan does not include a funeral service of any sort.

Service Not Guaranteed

The Pearl, Sapphire and Ruby Plans all include a contribution of £1,200 for third party cremation fees which increases annually inline with CPI. These fees currently include the cremation fees, the minister’s fees and *doctor’s charges for producing a second death certificate – a contribution means these funeral services are not guaranteed so there could be more for your family to pay when the time comes - it all depends on costs in your area and how they rise.

The Topaz Plan does not include any contribution for 3rd party costs, so this will need to be paid for at the time of need.

(*When the proposed change in law takes place to remove the need for a second death certificate for cremation funerals, these additional doctor’s fees will not be required).

Will there be more for my family to pay when the time comes?

The funeral directors costs are fully guaranteed so there will be nothing more to pay for the services included in the plan however there could be more to pay for the third party cremation fees as the Pearl, Sapphire and Ruby plans include a contribution of £1,200 (which increases annually in line with CPI ) rather than a guarantee. Therefore if costs fall within this allowance, there will be nothing more to pay but if the third party costs are higher at the time of need, the family would need to pay the balance.

The Topaz plan again includes a guarantee for the funeral directors costs but doesn’t include any contribution for third party fees, so these will need to be paid for at the time of need.

What is the Defaqto Star Rating for Safe Hands Funeral Plans?

To assist in your funeral plan review, Defaqto the independent researcher of financial products has rated Safe Hands funeral plans. To see their funeral plan Defaqto rating, please click here.

How can I be sure my money is safe?

Throughout our funeral plan reviews we have highlighted whether the funeral plan provider in question is registered and regulated by the Funeral Planning Authority (FPA) and therefore has to abide by their strict rules and code of conduct. Safe Hands funeral plans have informed us (26th July 2018) that their application has been submitted so their FPA registration is pending. 

When you buy a Safe Hands funeral plan your money is placed in a trust fund which is a separate entity to Safe hands, so if anything happens to the company, the trust fund and your money remains intact ready to pay for your funeral.

How can I pay for my funeral plan?

The cheapest way to buy a Safehands funeral plan is to pay in one go; or you can spread your costs over 1 or 2 years without incurring additional fees.

Monthly Instalments

If you prefer to spread the cost of your funeral plan over a longer period, then you have the option to pay over 3, 5 or 10 years. Each of these payment options are subject to a 4% instalment handling charge which is calculated annually.  

Please note that you will need to pay a deposit of £250 with all Safe Hands monthly payment options.

Is there an age limit for funeral plans?

As long as you are 18 years old you can buy a Safe hands funeral plan.

Can I choose either burial or cremation funeral?

The Safe Hands funeral plans are predominately aimed at the cremation funeral. Having said that they do also offer burial services but state you need to contact them directly for costs as they vary throughout the UK.

Can I cancel my Safe Hands funeral plan?

Once you have bought a Safehands funeral plan you have 30 days to review the plan details to ensure you are completely happy. If you do choose to cancel during this time you can do so and receive a full refund of any monies paid.

If you cancel after this period you will be charged a cancelation fee of £249.

Who will my funeral director be?

Safe Hands have a national network of funeral directors that they work with so the funeral plan is placed with the funeral director immediately upon receipt of the application.

If you want to, customers can nominate a funeral director that they would prefer to conduct the funeral - on that basis Safe Hands will offer the benefit of the funeral to the customer's preferred funeral director when the plan holder passes away. If the preferred funeral director is for any reason unavailable to conduct the funeral, it will instead be conducted by one of the funeral directors locally, with which Safehands have a contract.

What happens if I move?

Provided you move location within the UK, the terms of your plan are not affected in any way and there is no increased risk that there may be additional costs to pay when you pass away.

Do Safe Hands offer any additional features?

Safe hands are the only plan provider to allow you to spread the cost of your plan over 2 years without incurring additional fees.

Our Safe Hands funeral plans review verdict

Having reviewed Safe hands funeral plans it is good to note that their application for FPA registration has been submitted so their membership is pending.

We would only ever recommend you choose a company that is registered with the FPA so you know they have gone through the rigorous checks to ensure the plan provider complies with their rules and strict code of conduct.

Whilst their plans do include a full guarantee for the funeral directors costs, a contribution is included for third party fees which is generous compared to many funeral plan providers but depending on how high costs are in your area, may or may not cover 100% of the fees at the time of need.

If you wish to read other funeral plan reviews please click the highlighted text or the "Compare Plans" button to see plans at a glance.

Our Offer

The plan we offer will guarantee your cremation & ministers fees at today's prices, so that you can be sure that your family will have nothing more to pay.

Request a brochure to find out more.

Compare Plans

Our Trusted Partners

over 50 life insurance    funeral plans   equity release         best energy deals   over 50s car insurance  making a Will

We use cookies to improve our service to you. You can read our cookie policy here. By continuing you agree to our use of cookies.