How much does a funeral cost?
Our total average cost for a funeral in 2020 was £3,740 including our fees and third party costs. The cost of a funeral depends on the choices you make and where in the UK the funeral is arranged.
To find out how much a funeral will cost at your local Co-op funeral home, use our funeral cost calculator.Funeral cost calculator
We’re here to help you understand how much a funeral costs. We explain everything from our funeral director costs to the cost of the service itself. We make it clear to help you make an informed choice on which funeral will be right for you.
It's your choice on how grand or simple you’d like the service to be. The type of coffin or transportation you choose, and even the date and time of the service will determine how much you will pay for a funeral.
- Funeral cost breakdown
- Burial costs
- Cremation costs
- Funeral director costs
- Third party costs
- Co-op Legal Services could pay funeral costs for you
- Low cost funerals
- How much will a funeral cost in my local area?
- Help with funeral costs
- How to pay for the funeral
Breakdown of funeral costs
The cost of a funeral is made up of the following:
- the funeral directors services
- third party costs such as doctors' fees, burial or cremation fees
- added extras such as flowers, limousines and notices in the paper
If you're looking to arrange a burial service there are additional costs you may want to consider. Such as, the purchase of the burial plot, grave digger fee and minister or officiants fees. Burial costs can vary greatly depending on where you are in the country, use our funeral costs calculator to find out more.
Cremation costs can vary depending on where the arrangements are being made in the UK. A cremation service is generally the cheaper option when arranging a funeral service. Use our funeral cost calculator to find out more.
Funeral director costs
What’s included in our funeral director costs:
- all aspects of the funeral arrangement, providing a dignified and personal service, including the use of our funeral home facilities
- working with third parties such as clergy, florists, crematorium and cemetery staff
- preparing and completing all necessary documentation
- care and preparation of the deceased, this includes bringing your loved one into our care from a 50 mile radius, preparation of them for the funeral and embalming services depending on the choice of funeral
- provision of a hearse and all necessary personnel, for example coffin bearers and drivers
- coffin or casket which will be fully lined and fitted
- extras like limousines and flowers, these are at additional costs depending on choices
Third party costs
Third party costs can also be known as third party fees or disbursements. These costs are paid to third parties for arrangements not provided by the funeral director, such as:
- church fees
- cremation fees
- burial fees
- doctors’ fees
- minister* or officiants fees
- any additional personalisation such as musicians
*There are no fees for Church of Scotland ministers.
Co-op Legal Services could pay funeral costs for you
If you instruct Co-op Legal Services to carry out probate, they could cover the cost of the funeral up front. Probate is the legal process of dealing with someone’s money, property and possessions after they have died.
Co-op Legal Services get the money back from the ‘estate’ (the things that the person owned), later.
Not everyone needs probate. It’s unlikely to be needed if the person who died:
- did not own a house in their sole name
- had less than £20,000 in the bank
Low cost funerals
During the arrangement if you feel like the funeral is costing more than you’d budgeted for, please speak to your funeral director. They can look for changes that can be made to the arrangements to help keep the costs down. We know that money can be difficult at this time so please don’t hesitate to speak to your funeral director about this. We offer three lower cost funeral options:
Our essential funeral is a simple, lower-cost funeral option with the comfort of knowing that quality isn’t compromised. This funeral costs £1,895 in England and Wales and £1,675 in Scotland.Find out more
A direct cremation is a simple, unattended cremation, meaning you can choose your own way to remember someone at a place and time that suits you. Direct cremation costs £1,313 in England and Wales, and £1,230 in Scotland.Find out more
You can also choose a direct burial. Just like direct cremation, there's no service, just a simple unattended burial. Direct burial costs £1,200. This does not include the burial plot, burial fee (known as interment fee) or headstone.Find out more
How much will a funeral cost in my local area?
Funeral costs can vary depending on where you live in the UK. You can find out how much our funerals will cost in your local area by using our funeral cost calculator.
Help with funeral costs
If you’re wondering who will pay for the funeral if there’s no money, please let us know as soon as possible, as there may be government help available to support you.
If you’d prefer to pay in instalments, you may be eligible to apply for a funeral loan through our partner Funeral Safe. You can find details on loan amounts and repayments, eligibility and details on how to apply here.
How to pay for the funeral
When you’ve made your choices on the funeral arrangements, we’ll give you a written estimate of the funeral costs. At this stage, if you'd like to change anything we'll be able to do this, although any changes may affect the final funeral costs.
The funeral is paid in 2 parts:
You'll need to pay a minimum of 50% of the total estimated funeral cost within 48 hours of making the funeral arrangements.
For everything else, we’ll send you an invoice after the funeral. The final payment must be made within 21 days from the date on the invoice.
You can pay:
- online in full or part of the remaining balance
- at the funeral home with cash, credit or debit card
- by phoning the funeral home with debit or credit card
- at your bank or post office
Find your local funeral home
Enter your town or postcode to find a Co-op funeral home near you.