Funeral Plan Costs

How Much Exactly Does a Funeral Plan Cost in The UK?

Are You Wondering How Much You'll Need to Fork Out for a Funeral Plan? We're Here to Share All the Costs Involved to Prepare You for Your Journey.

Funeral Plan Costs

Funeral Plan Costs

Imagine this:

Every year in the UK, around 500 000 people pass away. This number is expected to increase by almost 100 000 over the next two decades, due to the aging population. Losing a family member is a trying experience without having to navigate funeral planning and many families experience stress and worry over the rising costs of funeral arrangements.

Funerals in the UK are some of the most expensive in Europe, and the cost has increased significantly over the last few years.

You see:

On average, you will pay around £3,757 for a funeral and approximately £4,267 for a burial. Should you opt for cremation, you’ll have to fork out in the region of £3,247.

These estimates include basic funeral and third-party fees, but you may still have to pay in for additional expenses such as the headstone, flowers, cars, and hosting the wake.

These are just some of the costs you can expect to pay:

Funeral Plan Costs

Funeral Director Fees

Most funerals in the UK are arranged through a funeral director. Depending on your choice of funeral plan, most of the funeral arrangements will be covered by the fee charged by the funeral director. This will usually include the coffin, a hearse and staff, mortuary facilities, and supervising the arrangements.

The funeral director will oversee your arrangements for the funeral service, but fees for their services vary.

Don’t worry!

You can ask your funeral director to provide a detailed list of the costs involved. This will allow you to compare with quotes from other funeral plan providers

Third-Party Funeral Costs

Third-Party Funeral Costs

Any costs aside from the funeral director fees will be managed by your funeral director and compiled into an invoice. These expenses are usually referred to as external or third-party funeral costs.

External costs, such as cremation or burial fees, often make up more than half of the total funeral costs. It would be best to account for the cost of erecting a headstone, although this does not have to be erected immediately after burial.

Now:

Third-party fees will be vastly different depending on where you live and what funeral arrangements you request. 

Standard third-party funeral fees include:

Burial fees

Burial services are usually pricey in the UK. The fees linked to burial services typically cover the funeral service’s cost, the minister’s fee, the burial plot, preparing the burial site or grave, and the Exclusive Right of Burial.

Cremation fees

Should you choose cremation instead of a burial, you will also have to pay certain external fees. These fees include the cost of the cremation document and certifications, the use of a crematorium,  and the internment or permanent storage of ashes. 

Optional services

Some funeral arrangements are considered optional, and the fees for these are named optional costs. These extras include catering, venue hire, flowers, limousine hire, and a memorial, among others.

Who Pays for Funeral Costs

Who Pays for Funeral Costs?

Funerals come with a hefty price tag and can easily leave family members feeling confused and overwhelmed. While some families can easily access funds to bury a loved one, many families struggle to cover the costs.

The Deceased’s Estate

Sometimes the deceased will have already paid for the funeral or have made provision in their estate to fund it. The estate’s executor will cover the funeral costs in this case, or a friend or family member will be able to pay for the funeral and claim the money back from the estate.

Most banks will make money available from the deceased’s account to provide for the funeral expenses if you’ve got a certified copy of the death certificate. Should there be a shortfall of funds in this scenario, the family or person organizing the funeral will have to cover the difference.

On the other hand

If the deceased doesn’t have any money or a funeral plan, the local authorities can be approached for assistance. Your hospital or council can arrange for a Public Health Funeral1, often referred to as a pauper’s funeral. 

There are, however, strict criteria for a Public Health Funeral, and they are only held if there is no alternative. You will have to show that the deceased doesn’t have enough money in his or her estate to pay for the funeral and that there are not loved ones who can arrange the funeral.

A Prepaid Funeral Plan

Those who have made arrangements for settling the costs of their funeral usually have prepaid funeral plans. A funeral director administers the funeral plan, and the deceased’s family will have to work with that director to organize the funeral. 

However, many funeral plans only cover some of the costs involved in a funeral. If you’re organizing a funeral, you may have to chip in to cover some costs. It’s worth checking what is covered by the funeral plan before you start making arrangements.

Keep in mind

There is no database to check if your loved one has a prepaid funeral plan. You’ll need to check their documentation for details on their funeral plan and may need to approach their bank or solicitor for the information.

Government Support

If you need help paying for a funeral for your loved one, there are government support programs for which you may be eligible. 

There are two main programs that could assist you:

Funeral Expenses Payment

Funeral Expenses Payment

You may be eligible for government funeral grants, such as that offered by the Department of Work and Pensions (DWP2) if you are a partner, parent, or close relative of the deceased. You also have to be receiving certain qualifying benefits to be eligible.

The DWP funeral expenses payment offers a one-off grant for low-income earners who receive specific government benefits. This grant is unlikely to cover the entire funeral cost, and you may still have to contribute up to a third of the bill. The grant will cover burial fees, travel, and transport expenses, cremation fees, and documentation.

Did you know?

You can claim the Funeral Expenses Payment for 6 months from the funeral date, but you may be required to return the money if it is found the deceased’s estate has enough to cover the cost.

Bereavement Support Payment

You can also access funeral grants from the DWP in the form of Bereavement Support Payment. The grant is a one-off, tax-free lump sum designed to assist widowed spouses in adjusting to their lower household income. 

You can access this program even if you aren’t eligible for other government benefits, although the amount you can access will depend on your National Insurance contributions. Applicants also need to be under the age of State Pension.

Got Questions? Check These First

Are Funeral Plans Worth the Money?

What Is the Cheapest Funeral Cost?

Is It Smart to Prepay Your Funeral?

Do You Have to Pay Upfront for a Funeral?

In conclusion

Funeral plans are an important decision that many people don’t think about until they need one. Funerals can be expensive responsibility to leave your family and it’s a good idea to have some sort of plan for what will happen when you pass so your loved ones are not burdened with the costs and details.

You may also like

Editorial Note: This content has been independently collected by the EveryInvestor advisor team and is offered on a non-advised basis. EveryInvestor may earn a commission on sales made from partner links on this page, but that doesn’t affect our editors’ opinions or evaluations. Learn more about our editorial guidelines.
Taylor Holt - 300x300

Written by
Taylor Holt
Estate Planning Expert

Taylor Is Our Resident Estate Planning Expert. He Knows That Everything Revolving Around Wills or Funeral Planning Can Be a Sensitive Subject That People Don’t Like to Discuss. But He Also Knows How Important It Is to Know All There Is to Know About It. Taylor Makes It His Mission to Spread Awareness About Estate Planning, and We Believe Everyinvestor Is the Best Platform to Do That.

Monique - 300x300

Written by
Monique Pittman
Pensions Expert

Monique Is Our Resident Pensions Expert. Many People Postpone Planning Out Their Pension, Thinking That Is Something They’ll Have to Worry Much Later in Life. Monique Knows How Important It Is to Start Planning Your Pension Early, and She Wants You to Know It Too!

Funeral Plan Costs

Written by
Lisa Schilling
Insurance Expert

Lisa Is Our Resident Insurance Expert. She Knows How Important It Is to Be Ready for Any Scenario, Especially When a Family Member Is Involved. Nobody Likes Being Found Unprepared in a Tough Situation! Lisa Can Find the Best Insurance to Cover Your Every Need, Present and Future.

Doyle Edwards - 300x300

Written by
Doyle Edwards
Mortgages Expert

Doyle Is Our Resident Mortgages Expert. He Comes From a Long Line of Financial Gurus, and It Truly Shows. Despite His Young Age, There Is No Question He Cannot Answer When It Comes to Mortgages, and His Ability to See Outside of the Box to Find the Best Mortgage Deals Is Truly Impressive.

jason stubbs 300x300 1.jpg

Written by
Jason Stubbs
Equity Release Expert

Jason Stubbs Is a Specialist in the Equity Release Sector. He Enjoys Helping Older People Who Are Struggling Financially Get Out From Under Financial Pressure.

rachel w.jpg

Rachel Wait
Personal Finance Journalist

Rachel is an experienced finance journalist and editor with a particular interest in personal finance and consumer affairs. She has vast experience writing about money issues, property, insurance, and consumer affairs, and you’ll find her articles regularly featured in top media and newspaper publications.
francis.jpg

Reviewed by
Francis Hui
Senior Risk Manager

Having held various high-level roles across the industry, Francis is truly an expert in aiding UK citizens in their financial decisions and risk analysis. His unique insight and statistical knowledge make him the perfect person to help you take your financial future to the next level.
Mark Patterson

Written by
Mark Patterson
Mortgage Expert

Mark Patterson is a well-known expert in mortgages. He has been working as an expert for over 15 years, and he specializes in the UK mortgage market.
kath icon.png

Katherine Read
Consumer Affairs Writer

She writes on the topics of equity release, home reversion, and mortgages.

Nicola Date

Nicola Date
Writer & Journalist

Nicola is a financial writer for EveryInvestor and is passionate about the opportunities that equity release can open up for homeowners. Her extensive business experience and deep understanding of the industry means that she’s always up-to-date with the latest developments.