Funeral Cover
A pre-paid funeral plan allows you to fix the cost of the funeral director’s fees and services.
This means that no matter how long you live there will never be anything further for your family to pay towards funeral expenses.
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This is a way to inflation-proof your funeral as you will buy the funeral at today’s rates with the guarantee that there will be no further payments when you pass away.
Various options are available allowing you to dictate the precise format you'd like your funeral to take with affordable payment plans and payment terms up to 10 years.
There are no restrictions on current health, age, or medical history.
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We can offer funeral cover plan for under or over 50, over 60. We can compare funeral cover quotes for insurance policy using our funeral cover calculator online for a quote.
Providers we use are Golden Charter and Safe Hands.
Funeral Cover/Plan FAQ's
How does funeral cover work?
Your funeral plan allows you to arrange your own funeral and spread the cost over time. You choose which funeral package you prefer and agree on the monthly payments and duration (up to 10 years).
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What does a funeral plan cover?
They cover the funeral costs that you choose for you funeral plan. These can include a coffin, limousine, and burial or cremation fees. Our protection specialists can assist you on the right plan for you.
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Who will be my funeral director?
Sometimes we can let you know who your funeral director will be before you agree to take out your funeral plan. They will be a local funeral director allocated the planning service linked to your plan.
Who do I give my funeral wishes to?
Once your funeral cover is in place, we'll send you documentation so you can record any personal touches you would like at your funeral. Keep hold of this and let someone know where it is stored. Your family will then know what to arrange with your funeral director.
Can I pay extra for additional services?
You can make an additional payment into your funeral plan for extra items you’d like for your funeral. You could allow for things like a wake, flowers, or a memorial headstone or plaque.
How long do I need to pay into the plan?
You pay to the anniversary date of your plan on or after you turn 90, or until you die, whichever comes first. Your monthly payments are fixed and will never increase. Also, you can’t ‘cash in’ your policy at any time.
What happens if funeral costs go up in future?
Even if prices go up in future the funeral cover you take out will allow for this. As long as you make all the payments, your plan is guaranteed to pay out even if you die after the first 12 months. There will be no hidden costs.
What happens if I stop paying?
If you need to stop paying and you more than half way through paying for your funeral plan, you will still get a contribution towards a funeral when you die. If you stop paying before the halfway point, your plan will be cancelled, and you will lose the money and have no funeral from the plan.
What happens to my Funeral Cover when I die?
Your loved ones should contact the funeral director shown on the Certificate of Entitlement. If you die after the first year and you’ve made all your monthly payments, the planning services in the plan will arrange for your funeral package to be carried out with the director. They will claim on your insurance policy, and the provider will cover the cost of your funeral.
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