Compare the best funeral plans

  • Find out if cheap funeral plans are worth it
  • See which companies the FCA intend to authorise
  • Compare the cheapest plan prices
  • Check independent customer reviews

Prepaid funeral plans can vary both in cost and the funeral services provided. Taking time to compare funeral plans could help you choose the best plan for you.

How to compare funeral plans

The cheapest funeral plans may not necessarily offer the best value for money if the funeral services included do not suit your needs. To find the best plan it could help to compare funeral plans, so you can be aware of the price, how the funeral plan works and what is and isn’t included.

Our funeral plan comparisons will help you understand which companies the FCA intend to authorise, (on the 29th July 2022) the starting price of their funeral plans, the options available and how customer’s rate their services. Plus,funeral plan reviews provide more information on the plan providers themselves.

What are the best funeral plans?

Finding the best funeral plan will depend on your budget and the type of service you are looking for. Our ‘Top Tips’ lists are designed to help you review and consider which funeral plan could be the best option for you, focusing on regulation and security, starting price, choice and customer reviews.

Plan providers also have their own ‘key features’ that fully explain how each of their plan’s work. Something you may wish to review and compare before making your final decision.

Top Tips 1 – The funeral plan providers the FCA intend to authorise

The following companies provide a nationwide service and are on the FCA’s intended to authorise list. As regulated companies, these funeral plan providers have to prove they comply with the FCA's rules on how your money is held securely and the service you receive.

Funeral plan provider FCA Regulated National or Regional
Avalon Funeral Plans tick icon National
Celebration of Life tick icon National
Coop Funeral Plans tick icon National
Crystal Cremations tick icon National
Dignity Funerals tick icon National
Distinct Cremations tick icon National
Ecclesiastical Planning Services tick icon National
Golden Charter Funeral Plans tick icon National
Golden Leaves Funeral Plans tick icon National
Memoria (Affordable Funerals) tick icon National
Open Prepaid Funerals tick icon National
Plan with Grace tick icon National
Pure Cremation tick icon National
Choice (Funeral Partners) tick icon Regional
Central England Co-op tick icon Regional
F A Albin & Sons tick icon Regional
Family Funerals Trust tick icon Regional
Freeman Brothers tick icon Regional
Haven Personal Funeral Plans tick icon Regional
Independent Funeral Plans tick icon Regional
Peace Funerals tick icon Regional
Southern Co-op tick icon Regional
Fosters Funeral Directors tick icon Regional
William Alty Funeral Services tick icon Regional

Top Tips 2 – The cheapest funeral plans

The list of cheapest funeral plans looks at the price range offered by each plan provider and the number of plans on offer. Although price is important, it’s also worth considering the services included in the plan, to be sure they suit your needs.

Funeral plan provider Number of plans Starting price Most expensive
Avalon 4 £2,795 £4,245
Coop 4 £3,225 £4,460
Crystal Cremations 2 £2,925 £3,245
Dignity 4 £3,095 £4,195
Ecclesiastical NA NA NA
Golden Charter 4 £2,895 £4,099
Golden Leaves 5 £2,533 £4,199
Memoria 3 £2,349 £3,199

Prices shown range from basic to premium plans (direct cremation plans not included). This is an indication of the cheapest and most expensive plans each company offers, not a like for like comparison. For more information, see providers website.

Top Tips 3 – What customers think of the service they offer

Our final funeral plan top tips looks at how customers rate each of the national companies on independent UK review sites Feefo and Trustpilot.

Funeral plan provider Feefo or Trustpilot rating
Avalon 4.9
Coop 3.3
Crystal Cremations NA
Dignity 4.7
Ecclesiastical NA
Golden Charter 4.6
Golden Leaves 4.7
Memoria 4.8

You can also compare funeral plan Defaqto ratings. Defaqto is the independent researcher of financial products in the UK.

Compare funeral plans

As a result of FCA regulation the number of funeral plan comparison websites is likley to reduce. Regadless of whether you use a comparison website or make your own comparisons, comparing funeral plans on a like for like basis and checking the provider is on the FCA's list of companies it intends to approve, could help you choose the best plan for you.

Remember, not all plans are the same.

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, 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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