Compare the best funeral plans

  • Why cheap funeral plans may not be the best
  • Top 10 funeral plans
  • Compare direct cremation plans
  • Top 10 cheapest funeral plans
  • Compare funeral plans

Prepaid funeral plans are now offered by many UK providers however they can vary both in cost and the funeral services provided. Therefore, it’s important to compare plans carefully before making your decision if you want to be certain of choosing the best funeral plan for you.

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How to choose the best funeral plans

The cheapest funeral plans may not necessarily offer the best value for money if the funeral services included are not guaranteed. To choose the best plan, you need to be aware of the price, how the prepaid plan works and what is and isn’t included.

Our comparisons will help you understand which funeral plans are regulated by the Funeral Planning Authority and come with a complete guarantee for the services included and our reviews provide more information on the plan providers themselves.

You can also see here how Defaqto, the independent researcher of financial products rated funeral plans in their recent review.

Top 10 funeral plans

The top 10 funeral plans provide a nationwide service and are registered and regulated by the Funeral Planning Authority. As a regulated company, these funeral plan providers have had to prove they comply with the FPA's rules on how your money is held securely and the service you receive.

  • Dignity (£3,095 - £4,195)
  • Coop Funeralcare (£3,095 - £4,295)
  • Safe Hands (£3,495 - £4,095)
  • Golden Leaves (£3,089 - £4,199)
  • Golden Charter (£2,895 - £4,099)
  • Avalon (£3,645 - £4,245)
  • Age Co (£3,070 - £4,170)
  • Open Prepaid Funerals £2,995 - £4,100)
  • Perfect Choice (not listed)
  • Choice Funeral Plans (£3,395 - £3,820)

Range of prices included where available

Guaranteed vs contribution funeral plans comparison

Guaranteed funeral plans fully guarantee the costs of all services included in the plan at today’s prices, whereas contribution plans only include an allowance for some third party fees which could leave your family with more to pay. The following comparison shows how these two types of funeral plans compare.

Guaranteed plan providers

  • Dignity
  • Coop Funeralcare
  • Age Co
  • Golden Leaves

Contribution plan providers

  • Golden Charter
  • Avalon
  • Perfect Choice
  • Open funeral plans
  • Choice funeral plans

Top 10 cheapest funeral plans

The top 10 cheapest funeral plans provide your funeral services but have limitations such as the time of the service or range of funeral directors you can use. Therefore, when considering the best value funeral plans, as well as affordability it’s also important to understand how the plan works.

  • Dignity Limited Plan - £3,095
  • Dignity Amber Plan - £3,495
  • Coop Simple Plan - £3,295
  • Golden Charter Basic - £3,495
  • Golden Charter Standard - £3,495
  • Golden Leaves Zinc - £2,859
  • Golden Leaves Silver Plan - £3,365
  • Age Co Basic Plan - £3,070
  • Age Co Ivy Plan - £3,370
  • Open Prepaid Simple Plan - £2,995

All plans include either a guarantee or contribution for third party costs.

Best direct cremation funeral plans

Direct cremation is a cremation without a funeral service, leaving families free to say goodbye their way. Half the price of a traditional funeral plan, this simple cremation provides a low-cost alternative for those not wanting the fuss of a funeral service.

The best direct cremation providers, all of whom are registered and regulated by the Funeral Planning Authority are as follows:

  • Simplicity - £1,495
  • Golden Charter - £1,950
  • Golden Leaves - £1,644
  • Pure Cremation - £1,595
  • Avalon - £1,895
  • Memoria - £1,675
  • Simplicita - £1,645
  • Open Prepaid Funerals - £1,845

Only Simplicity, Golden Leaves, Pure Cremation and Avalon include a full guarantee for all the services included in their cremation only plans.

Compare funeral plans

There are an increasing number of funeral plan comparison websites, although our advice is to make sure that when comparing plans you are comparing like for like and that the provider is FPA registered.

Not all plans are the same.

To receive more information on how funeral plans work and to compare quotes please request a brochure or call us on 0800 133 7380.

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Life insurance with funeral cover - another option

Over 50 life insurance can provide a more basic alternative to a funeral plan, particularly if budget is an issue. This simple whole of life insurance enables you to leave some money behind for loved ones to put towards your funeral costs if they choose to. Designed specifically for those aged 50 or over, you’re guaranteed to be accepted with no need for a medical, and premiums start from a few pounds a month.

If you want to be sure your over 50 plan will help with funeral costs, many over 50 life insurance plans offer a funeral benefit option.  By choosing this you agree to have your cash sum paid directly to a reputable funeral director, such as Dignity who will deduct it from the final bill for their services.

Taking up this option doesn’t cost you a penny more and as a thank you, the funeral director will usually contribute around £250 towards the final funeral bill.

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