funeral plan TYPE

No Fuss Small Group funeral plan   

Attended by up to 12 people   |  No ceremony   |  0 family cars

What is a No Fuss small group funeral plan?

A funeral plan from the No Fuss range covers the funeral director's fees for arranging the cremation or burial, and instead of a formal funeral ceremony, there is just enough time for a private gathering where they they can say goodbye in their own way and witness the committal* if they wish.   

The number of people who can attend a No Fuss type funeral is limited to a small group of 12.  

A funeral plan from the No Fuss range is an economical and practical alternative to a traditional funeral ceremony, and gives those closest to you the privacy of an intimate funeral.

To compare prices, click here.

*Typically, the committal is when at the end of a formal funeral ceremony there is a reading or prayer before the coffin is taken away for cremation or lowered into the ground for burial.

 
 
 
 
 
 

Pros and Cons of a No Fuss small group funeral plan

When a No Fuss funeral plan may be right for you

  

 
  • For personal or financial reasons you want an economical service.  Money saved could go towards a memorial or celebration of life service later on, or to family, friends, or a charitable cause.
  • You don’t want anything more than the simplest, lowest-cost coffin and transport to take you to the crematorium or place of burial.
  •  
    You don't want a formal ceremony. A small gathering of up to 12 people will suffice.
  •  
    You have a small family or circle of friends.
 

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

  

  • You have loved ones who may find it emotionally difficult not to have the structure of a traditional funeral ceremony, or have been excluded because of the cap on the number of people who can attend.
 
 
 
 
 
 
 

 Your funeral your way, with this free Funeral Wishes Planner

You can support your loved ones financially with a prepaid funeral plan to protect them from continuing funeral price rises.  

You can also provide emotional support by documenting your funeral wishes (right down to the choice of music in the hearse as it takes you on your final journey!) Or give loved ones permission to arrange your funeral as they see fit.  Either way, they won't have to worry about whether your send-off is the way you would have wanted it.  Keep a copy with your Will or funeral plan if you have one.

Get your free copy of the ultimate Funeral Wishes Planner and write down what you would like to happen .  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

How much does a No Fuss small group funeral plan cost?

No Fuss prepaid plans start from £1,595, if paying in a single lump sum.  (Price includes third-party cremation fees, but excludes the fee payable at the time of the funeral for up to 12 people to attend a short service - currently £200).   Other variations of No Fuss 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 with your funeral plan provider 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 Fuss small group 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.
  • 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
  • There is no formal ceremony,  but up to 12 people can attend the committal.
  • 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.

Are the cremation or burial fees included in a funeral plan?

All set funeral plans guarantee to cover the funeral director's professional fees for arranging the funeral, caring for the deceased, supplying the coffin and providing a chauffeur-driven motor hearse.  But not all funeral plans cover the necessary third-party cremation or burial fees.  

Your options include a guaranteed funeral plan which ensures these third-party fees are included and there is nothing more for loved ones to pay, or a contribution funeral plan or no contribution funeral plan.   Any shortfall would be paid at the time of the funeral by your next of kin, for example. To learn more, watch the video below.

How to find the best value prepaid funeral plans using the sQored rating

sQored - Funeral Plan Service Quality Close Up

Using expert funeral industry knowledge and methodology, sQored generates a service and quality score for each prepaid funeral plan.  sQored does this by carefully scrutinising 12,500 sets of data.  This includes looking closely at the funeral plan key features and the small print terms and conditions.  

You'll find the sQored rating next to each funeral plan quote when you compare. 

Which type of prepaid funeral plan is right for me?

There are five types of funeral plan, catering for all preferences and budgets.  

The types 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. 

Compare Funeral Plan Types is best viewed on a desktop or tablet device

*   Maximum saving and lowest monthly plan price based on the listed funeral plans compared on 07.06.22.

*  Source:  SunLife (2021) Cost Of Dying Report.  The average price of a UK cremation and burial funeral in 2021 is £4,184.  The cost is expected to rise to £5,044 by 2025.

**  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 20.10.22.