funeral plan TYPE

Simple funeral plan   

Attended   |  With ceremony   |  0 family cars

Simple prepaid funeral plan savings on Before You Go Compare
 
 
 
 
 
 
 
 
 
 
 
 

What is a Simple funeral plan?

A funeral plan from the Simple range guarantees to cover the cost of all the funeral director’s basic services to arrange and carry out the funeral ceremony at the crematorium or place of burial.  There is no restriction on the number of family and friends who can attend.  

This type of funeral plan is perfect for you if you’re looking for an affordable send-off without the expense of the funeral director's ceremonial extras, such as a fancy coffin and chauffeur-driven car to take loved ones to the funeral.

 
 
 
 
 
 

Pros and Cons of a Simple Funeral Plan

When a Simple funeral plan may be right for you

  

 
  • It’s the least expensive service option that includes a funeral ceremony.
  • There’s no restriction on the number of family and friends who can attend.
  •  
    You don’t need family cars - they can make their own way to the funeral.
  • You don’t want anything more than the simplest, lowest-cost coffin. 
  •  
     
    The funeral ceremony will take place at the crematorium or place of burial.
 

When a Simple funeral plan may not be right for you 

  

  • You don't want your family to have to worry about driving themselves to the funeral.
  • You would like a higher quality coffin.
  •  
    You would like the funeral ceremony to be held at a separate location (e.g. church or home), followed by the committal at the crematorium or place of burial. 
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Plan well for peace of mind with your free  Funeral Wishes Planner

You can support your loved ones financially before your time comes by paying for your funeral in advance, protecting them from continuing funeral price rises.  

You can also provide emotional support by documenting your funeral wishes in detail (right down to the choice of sandwiches at the funeral reception!), or by just giving loved ones permission to arrange your funeral as they see fit. That way, they won't have to worry about whether your send-off is the way you would have wanted it.

Plan well before you go by downloading the Funeral Wishes Planner, where you can write down what you would like to happen.  It's a great companion for your prepaid funeral plan and any other life planning documents you may have.  The Planner comes with supportive and inspirational guides too.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

How much does a Simple funeral plan cost?

Simple prepaid funeral plans start from £2,390 if paying in a single lump sum.  (Price excludes third-party cremation or burial fees).   Other variations of Simple funeral plans and ways to spread the cost are available.  

There are three factors that will affect the cost of a funeral plan and that you need to pay close attention to.

 
 
 
 
 
 
 

3rd party cremation or burial fees

A funeral plan will have one of three levels of cremation or burial fees cover:  ‘Fully guaranteed’ (no more to pay), ‘Contribution’ **(may have more to pay), and ‘No contribution’.  Any shortfall will need to be paid at the time of the funeral by your representative. 

The more third-party fees cover you have, the more you will pay for the  plan.   

 
 
 
 
 
 
 

Tailoring your funeral plan

Some plan providers allow you to make changes, e.g. upgrade the motor hearse for a horse-drawn hearse.  Tailoring might be a cheaper solution than choosing the next level of funeral plan up, but may not provide the best overall value.  

Get in touch if you would prefer to chat through your options.

 
 
 
 

Spreading the cost

Your options include paying in a single lump sum, monthly instalments, or lower fixed monthly payments which are payable for life or up to a specified age, e.g. 90.

Lower monthly payments are attractive, but you should be aware  that you could end up paying more into the funeral plan than the funeral is eventually worth.

What does a Simple funeral plan include?

  • KEY
  • Included as standard in this plan type
  • Included in some plans of this type
  • Not included in this plan type
Before the funeral
Before the funeral
  • Funeral arrangements made
  • The funeral provider will liaise with all third-parties (e.g. crematorium and doctors) and handle all paperwork.
  • Bringing you into care
  • You will be collected and cared for at the funeral home or some other suitable resting place until the funeral. 
  • Embalming (optional)
  • Embalming restores a life-like appearance.  This can be helpful if loved ones plan to visit before the funeral. Embalming isn't always necessary. The funeral director will advise.  If required, this treatment can be paid for by your at the time of the funeral.
  • Chapel of Rest visit (optional)
  • Loved ones have the option to visit the Chapel of Rest or some other service room in private, before the funeral.
  • Personalisation
  • Personalise your funeral plan with requests that don't incur an additional fee, e.g. choice of music. The funeral director will do their best to accommodate your requests when the funeral is needed.
  • Option to pay for special requests
  • Pay a contribution towards services  that aren't included in your plan, e.g.  a different coffin, an additional family car, upgrade to a horse-drawn hearse, or third-party cremation or burial fees top-up.
on the day of the funeral
On the day
  • Choice of date and time
  • Your personal representative  will be able to choose the day and time of the funeral.
  • Funeral ceremony for family and friends to attend
  • There will be no restriction on the number of people that can attend the funeral ceremony.
  • Coffin:   Basic  |  Standard  |  High Quality
  • Basic design:
    Simple. Typically with plain sides and flat lid.
    Basic material:
    MDF (or similar) with a wood effect wrap; solid eco-pine; or basic eco-material, e.g. bamboo.
  • Standard design:
    May have panelled sides and / or a raised coffin lid.
    Standard material:
    MDF (or similar) with a wood effect wrap;  wood veneer; or higher quality natural material, e.g. seagrass

  • Hearse:  Traditional  |  Suitable vehicle
  • You'll be taken to the crematorium or place of burial in a motor hearse or a suitable vehicle, e.g. private ambulance.
  • Choice of procession route
  • You can choose which route the funeral cars take on the way to the place of service.  The only limitation is the mileage allowance included in the Plan.
  • All funeral staff needed on the day
  • Chauffeur-driven family car
  • Family car typically seats six passengers.
  • Mileage allowance
  • Typically 30 - 50 miles are included in a Simple type of funeral plan.  Some have no restriction.
  • Listing of floral tributes 
  • The list provides a handy reference should the person responsible for overseeing your funeral arrangements want to send a 'thank you' note.
After the funeral
After the funeral
  • Administering charitable donations
  • The funeral provider will collect and distribute donations on your behalf.
  • Supply of 'Thank you' cards
  • Bereavement support for your family
  • Support will be provided either by the funeral staff, through a bereavement support group, or grief counselling specialist.
 
 
 
 

What funeral plans don't include

It’s important to be aware of the things that aren’t commonly included in a funeral plan so that you can make financial provision for them if you want to, either as a contribution* amount in your funeral plan (if allowed) or by some other means, such as a savings account.

  •  
     
     
    Conducting the funeral outside normal workday and working hours
  •  
     
     
    Service at a separate location, e.g. church before the crematorium
  • Flowers
  • Funeral notices
  • Order of service stationery
  • Venue for the funeral reception and catering
  • The burial plot 
  •  
    Headstone or memorial
  •  
     
    Repatriation from outside mainland Great Britain, ferry or air fares
  •  
    Costs for removing artificial limbs and mechanisms, e.g.  pacemakers

* Other exclusions may apply.  Read your plan provider's terms and conditions.

Types of prepaid funeral plans

Funeral plans fall into six categories, catering for all preferences and budgets.  They range from the lowest-cost, no frills direct cremation service with no funeral ceremony and no family and friends present, to the 'bells and whistles' type of funeral that has all the ceremonial extras and no restriction on the number of people who can attend.  

Explore your options through these simple guides, or jump straight in and compare now.  It will only take a minute to answer the vital questions that will find the perfect funeral plan for you.

*  Source:  SunLife Cost of Dying 2020.  The average price of a UK cremation and burial funeral in 2019 was £4,417.  The cost is expected to rise to £5,285 by 2024.

**  A ‘contribution’ is the amount a plan provider sets aside to cover the third-party  cremation or burial fees.  This amount grows in line with the Retail Price Index (RPI) or Consumer Price Index (CPI) until the funeral.  Because third-party fees are outside a plan provider’s control, the contribution amount is not guaranteed to cover the cremation or burial fees when the time comes . If there is a shortfall, this will need to be paid by your representative or from your estate before the funeral can go ahead. 
Figures ares based on our analysis of the lowest and highest  single payment comparable plans, from prepaid plan providers with national coverage  as at 09.01.21.