Safe Hands Funeral Plans Review

Key Points

  • plans do not guarantee your cremation & ministers fees
  • your family could have more to pay when the time comes
  • not registered or regulated by the Funeral Planning Authority
  • the plan is not placed with the Funeral Director until you have passed away
  • read Terms & Conditions thoroughly

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

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.  

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.

Safe Hands Simplest Plan – includes the funeral directors services, a coffin and hearse. The date and time of the funeral service on this plan is dictated by the funeral director and not the family and will take place before 10am when cremation fees are cheaper. In addition with this plan there is a 30 mile radius in which the cremation can take place so the funeral director can choose a crematorium that has lower fees as opposed to one that is more convenient for the family.

The plan also includes a contribution of £800 to help with third party cremation costs but as this is quite low, there is a much greater chance that there could be more for the family to pay when the time comes.  

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 RPI 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 5 of the 6 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

5 of the 6 Safe Hands funeral plans include a contribution of between £800 and £1,200 for third party cremation fees. 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 well be more for your family to pay when the time comes.

(*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?

Yes, there could be as there is just a contribution of between £800 to £1,200 for third party cremation fees, therefore not a guarantee.

The simplest plan has a lower contribution of £800, where as the Pearl, Sapphire and Ruby plans each include £1,200. Therefore if the third party cremation fees exceed the contribution included in the Safe Hands plan, the family will need to pay the balance at the time of need.

Please note that the Topaz plan doesn’t include any contribution so these fees which as previously mentioned typically account for around 30% of funeral costs 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 taken the decision not to register with the FPA and therefore have not had to prove they comply with the same rules other FPA registered companies have chosen to.

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 36, 60 or 120 months. Each of these payment options comes with additional fees so you will be charged a 4% monthly instalment handling charge which is calculated annually.  

Please note that your will need to pay a deposit of £250 with all Safe Hands monthly payment options (1 to 5yrs).

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 21 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 £495.

Who will my funeral director be?

Safehands state you can nominate a funeral director but as the plan is not placed with the funeral director until the time of need, there is no way you can be sure your wishes will be met. (Please read the Terms & Conditions for more details).

Safehands plans are accepted by funeral directors who are registered with the National Federation of Funeral Directors (NFFD) but this is a relatively new tradebody so the number of funeral directors registered with them is limited.

What happens if I move?

The plan is portable so if you move, the plan moves with you but there may be associated costs depending on the where the plan is moved to – it all depends on the funeral director.

Do Open Prepaid Funeral Plans 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.

Funeral Plans

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Our Safe Hands funeral plans review verdict

Having reviewed Safe hands funeral plans there are a number of considerations worth highlighting. One of the main points worth focusing on is the fact that Safe Hands have chosen not to register and therefore be regulated by the Funeral Planning Authority.

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.

Safe hands has chosen not to do this. Instead they are only plan provider to be registered with the National Federation of Funeral Directors which is a relatively new tradebody more concerned with Funeral Directors as opposed to funeral plans.

Secondly the plan isn’t placed with the funeral director until the time of need; therefore you have no idea who will carry out the funeral service or where the company will be located.

Thirdly of course is the fact that these are contribution funeral plans which means there could be more for your family to pay when the time comes.

Finally throughout the terms and conditions the wording relates to ‘these terms’ but then at the end states that ‘these terms’ can be amended from time to time which may suggest that the terms of the contract can be altered retrospectively.

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