funeral plan TYPE

Traditional funeral plan   

Attended   |  With ceremony   |  1 family car

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What is a Traditional funeral plan?

A funeral plan from the Traditional range covers all the funeral director’s services to arrange and conduct the funeral ceremony at the crematorium or place of burial, attended by any number of family and friends - venue permitting.

This type of funeral plan is for a send-off with all the ceremonial extras, including a basic to standard quality coffin.  This type of plan also provides one chauffeur-driven car to ensure loved ones don't have to worry about getting themselves to the funeral and can arrive there safely, on time.

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Pros and Cons of a Traditional Funeral Plan

When a Traditional funeral plan may be right for you

  

 
  • It includes a funeral ceremony on the day and time of your family's choosing.
  • There’s no restriction on the number of family and friends who can attend.
  •  
    Family and friends can visit you in the Chapel of Rest to say their goodbyes.
  • It includes the ceremonial extras, such as a traditional motor hearse and one family car. 
  •  
     
    You have the choice of a basic or standard quality coffin.
 

When a Traditional funeral plan may not be right for you 

  

  • You don't want the expense of the ceremonial extras.
  • You would like a higher quality coffin.
 
 
 
 
 
 
 

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.

To make this an easier task and help you plan well before you go, download this free  Funeral Wishes Planner and 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.  This Planner also comes with supporting and inspirational guides.
A peek inside the ultimate Funeral Wishes Planner from Before You Go
 get My FUNERAL WISHES PLANNER
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

How much does a Traditional funeral plan cost?

Traditional prepaid funeral plans start from £2,895 if paying in a single lump sum.  (Price excludes third-party cremation or burial fees).   Other variations of Traditional 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 Traditional 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 purchased by your representative 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.
  • 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
  • One chauffeur-driven family car
  • Family car typically seats six passengers.
  • Mileage allowance
  • Typically 30 - 50 miles are included in a Traditional type of funeral plan.  but can be 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.
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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. 

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Why other funeral plan rating systems are ineffective

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. 

FUNERAL plan GUIDE

Simple funeral plan

Attended funeral
With ceremony  |  0 family car

FUNERAL plan GUIDE

Traditional funeral plan

Attended funeral
With ceremony  |  1 family car

FUNERAL plan GUIDE

Bells & Whistles funeral plan

Attended funeral
With ceremony  |  2 family cars

FUNERAL plan GUIDE

No Fuss funeral plan

Attended funeral - up to 12 people
No ceremony  |  0 family car

FUNERAL plan GUIDE

No Frills funeral plan

Unattended funeral
No ceremony

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

 compare funeral plan types
compare funeral plan costs

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

Plan Provider

sQored Rating

%

Golden Leaves

Gold

Guaranteed

73 %

Co-op Funeralcare

Silver

Guaranteed 

70 %

Dignity

Pearl

Guaranteed

68 %

Golden Leaves

Meadow

Contribution

64 %

Golden Charter

Select

Contribution

57 %

Golden Leaves

Meadow

No Contribution

57 %

Funeral Partners

Choice Plus

Contribution

56 %

Avalon

Plus

Contribution

54 %

Safe Hands

Sapphire

Contribution

53 %

Funeral Partners

Choice Plus

No contribution

48 %

Plan Provider

sQored Rating

%

Golden Leaves

Gold

Contribution 

62 %

Dignity

Pearl 

Contribution

61 %

Golden Leaves

Meadow 

Contribution 

60 %

Co-op Funeralcare

Silver 

Contribution

60 %

Golden Leaves

Meadow

No contribution

57 %

Golden Charter

Select

Contribution

51 %

Funeral Partners

Choice Plus

Contribution

50 %

Avalon

Plus 

Contribution

50 %

Safe Hands

Sapphire 

Contribution

49 %

Funeral Partners

Choice Plus 

No contribution

49 %

*  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 01.12.22.