Memoria Funeral Plans for those looking to plan ahead
Memoria Funerals offer a choice of three prepaid funeral plans that start from £1,595.
- Direct Cremation Plan
- Personal Funeral Plan
- Celebration of Life Plan
The Direct Cremation Plan offers a cremation without a service, while the remaining plans offer more traditional services that include a service for family and friends to attend.
Memoria Direct Cremation Plan (Without A Funeral Service)
Memoria offers a single Direct Cremation Plan, which is the lowest-priced, top-rated plan in the UK. This plan is fully inclusive of all Funeral Director fees and services, as well as cremation fees.
What's included:
- Collection and transportation of the deceased
- All funeral director services
- Cremation at a Memoria facility (without a service)
- Scattering of ashes in the garden of remembrance, or hand delivery anywhere in mainland UK within 28 days for an additional £100
Not included: Hearse, limousines, chapel of rest, selected coffin types, embalming, or pallbearers. If these services are required, a traditional funeral director should be contacted directly.
Memoria Funerals Traditional Plans (With A Funeral Service)
Personal Funeral Plan
A simple low cost cremation that includes a service but has some limitations. It includes the funeral directors help and guidance with the documentation, collection and transportation of deceased from a hospital or mortuary in England or Wales within office hours, a standard coffin, cremation fees, a service and scattering of the ashes on the garden of remembrance.
The time of the funeral service will be limited to early in the morning (typically around 8.30am to 10.00am) for up to 25 guests. Transportation of the deceased to the crematorium is in a suitable specialist vehicle, but you have the flexibility to pay more for a hearse, limousine, and officient to conduct the service.
Celebration of Life Plan
Memoria's Celebration of Life Plan provides a simple traditional funeral service without the added extras.
It includes the funeral directors help and guidance with the documentation, collection and transportation 24/7 from anywhere in mainland UK, a standard coffin, cremation fees, a service and hand delivery of ashes.
Transportation of the deceased to the crematorium is in a suitable specialist vehicle, but you have the flexibility to pay more for a hearse, limousine and officiant to conduct the service.
Memoria Funerals Important Information
In addition to looking at the benefits of a prepaid funeral, it’s worth reviewing the possible drawbacks too. Here we look at the details of their plans to help you consider if it’s the best funeral plan for you.
Benefits of their funeral plans
- 3 plans to choose from
- Direct Cremation and attended plans.
- Collection 24 hours a day 7 days a week on three of the plans
- Authorised by the Financial Conduct Authority
- You can choose the location of the crematorium on three of the plans
- A range of payment options
Important to know
- If you pay over 12 months but die before your premiums have been paid, you will not be covered for the services included in your plan. Instead, the person arranging the funeral can either pay the balance for the funeral services to go ahead, or cancel the plan
- The instalment option is a credit finance option. Acceptance will depend on your personal circumstances and the plan will cost more overall.
- You pay extra to have the ashes returned on some plans
- On all of the plans you pay extra for return of the ashes
- Doesn’t include additional funeral costs such as flowers, a memorial, orders of service or the wake
- Doctor’s fees if required are not included
Memoria Funerals Reviews By Their Customers
Memoria Funerals are reviewed by customers on the independent review website Trustpilot where they have been rated 4.9 out of 5.
Memoria Funerals Reviews By The Industry
5-star, top-rated by both Fairer Finance and Funeral Solutions Expert.
Are Memoria Funerals funeral plans safe?
When you buy a Memoria Funerals funeral plan, your money is held securely in a Scottish Friendly whole of life insurance policy until it is required to pay for your funeral services.
The company is authorised, through its parent company Memoria Funeral Plans Ltd., by the Financial Conduct Authority (FCA) who are responsible for the regulation of funeral plans. Their strict rules and code of conduct ensure customers are treated fairly, plans are fit for purpose and your money is safe.
You also have access to the Financial Services Ombudsman and the Financial Services Compensation Scheme for further protection, should the need arise.