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Which Are the Best Funeral Plans in the UK?

On average, a funeral in the UK costs over £4,000, and it’s more likely to increase in the future. If you’re worried that your family won’t have enough money for a funeral when you pass, then a prepaid funeral may be right for you. It allows you to pay for your funeral using today’s prices.

You can make payments through a funeral home director or plan provider. Considering that there are many plan providers, which are the best funeral plans in the UK?

The best prepaid funeral plans in the UK depend on the type of funeral you want and how much you’re willing to spend. The types of plans available are basic, standard, and comprehensive. Let’s discuss each plan in detail so you can choose which is best for you.

Types of Funeral Plans

Here are the types of funeral plans you can find in the UK:

Basic Plan

This is the cheapest plan, and it costs between £2,500 and £3,000. It covers the following:

  • Caring for the body
  • Transportation
  • Officiating fees
  • Cremation or burial costs

The drawback of this plan is that the coffin is basic and you’re restricted to certain days and times for the funeral. There’s also no transportation for the mourners.

Standard Plan

A standard plan costs between £3,500 to £4,000. It includes everything in a basic plan, one limousine for the mourners and a good-quality coffin. 

Comprehensive Plan

This plan costs above £4000. It includes everything in the basic and standard plans and two limousines. The coffin is also of higher quality, such as solid wood or wood veneer.

Things to Consider Before Choosing a Funeral Plan

You should consider the following before choosing a funeral plan in the UK:

  1. Check what the plan covers to ensure you’ll get the type of funeral you envisioned.
  2. Check the quality of the coffin.
  3. Find out whether you can cancel the plan if you decide to change to another service provider or relocate.
  4. Consider the fees involved.
  5. Check whether the plan is guaranteed or not. A guaranteed plan means your family members won’t make additional payments when you pass.

It’s important to know that funeral plans don’t cover catering and burial plots. So, ensure you read the fine print before opting for one. If you can’t cover the cost of a burial plot, you may share it with family members or choose the woodlands, but the coffin should be biodegradable.

In Summary

Funeral plans in the UK cost between £2,500 to £4,000. The plans include basic, standard, and comprehensive. The basic plan has a few restrictions based on the time and date of the funeral service, while the standard and comprehensive plans allow you to choose your preferred time.

We listed some things you should consider before choosing a funeral plan. These should guide you in choosing the best plan for you.