funeral plan TYPE

No Frills (Direct Cremation) funeral plan   

Unattended cremation   |  No ceremony 

No Frills prepaid funeral plan savings on Before You Go Compare
 
 
 
 
 
 
 
 
 
 
 
 

What is a No Frills (Direct Cremation) funeral plan?

A funeral plan from the No Frills range covers all the practicalities of arranging a cremation, but there is no funeral ceremony and no funeral director, family or friends present.   There is no difference in the same high level of care that you would expect from a traditional funeral service with a ceremony. 

Ashes are returned to loved ones, which gives them the freedom to say goodbye at a time, a place and in a way that suits them.   Some plans include the option to be scattered in the crematorium Garden of Remembrance.

A funeral plan from the No Frills range is perfect for you if you’re looking for the least expensive and practical alternative to a traditional funeral.  

 
 
 
 
 
 

Pros and Cons of a No Frills Funeral Plan

When a No Frills funeral plan may be right for you

  

 
  • For personal or financial reasons you want the least expensive service option.
  • You don't want a ceremonial send-off or your personal circumstance means you  have no need for one.
  •  
    You don’t need anything more than the simplest, lowest-cost coffin  or transport to take you to the crematorium.
 

When a No Frills funeral plan may not be right for you 

  

  • Loved ones may find it emotionally difficult not to have the structure of a traditional funeral ceremony.
Compare prices of prepaid funeral plans with national coverage from the UK's leading Funeral Planning Authority registered providers
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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 No Frills funeral plan cost?

No Frills prepaid funeral plans start from £1,495, if paying in a single lump sum.  (Price includes third-party cremation fees, but excludes doctors' cremation certification fees where applicable - £164 (temporarily reduced to £82 due to COVID-19) ).  Other variations of No Frills 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 No Frills 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 is not included in a No Frills type of funeral plan unless necessary.  If required, this treatment can be paid for 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 provider 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.  the ability for a small group of people to attend the committal).  
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
  • With this type of plan there is no ceremony and no family or friends present, unless there is an option for a small group to pay to attend the committal at the time of the funeral.
  • 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. 
  • Hearse:  Traditional  |  Suitable Vehicle
  • You'll be taken to the crematorium or place of burial in 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
  • A family car typically seats six passengers.
  • Mileage allowance
  • Unlimited.
  • 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.
  • Return of ashes at no additional cost
  • The ashes will be returned to your representative.
 
 
 
 

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.