How much does a funeral cost?

Our total average cost for a funeral in 2019 was £3,986 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.

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.

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

Burial costs

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

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.

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 two lower cost funeral options:

Simple Funeral

We understand that some families may wish to keep things simple or have a smaller budget. This is why we offer a Simple Funeral, which costs £1,895 in England and Wales and £1,675 in Scotland.

Our Simple Funeral provides a lower cost funeral option with the comfort of knowing that quality isn’t compromised. We guarantee to provide our usual outstanding levels of care for your loved ones.

Direct Cremation

A Direct Cremation is a simple, unattended cremation, carried out with all the dignity and care you would expect from Co-op Funeralcare. As there’s no service, you can choose your own way to remember someone at a place and time that suits you. We also offer a cortege service, where the hearse passes your home, giving you a moment to pause, reflect and say goodbye.

Direct Cremation costs £1,310 in England and Wales, and £1,230 in Scotland.

Direct Burial

You can also choose a Direct Burial. Just like Direct Cremation, there's no service, just a simple unattended burial. The cortege service is also available with this choice.

Direct Burial costs £1,200. This does not include the burial plot, burial fee (known as interment fee) or headstone.

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.

To find out how much a funeral may cost, use our funeral cost calculator or speak to your local funeral director.

If your loved one has died from coronavirus, you may qualify for support from Co-op Funeralcare's Hardship Fund.

How to pay for the funeral

When you’ve made your choices on the funeral arrangements, we’ll give you an 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 two parts:

  1. You will need to pay for third party costs, things like Minister fees, cremation fees etc, within 24 hours of arranging the funeral.

  2. For everything else, we’ll send you an invoice after the funeral. This final payment must be made within 28 days from the date of invoice.

You can pay at the funeral home, at a bank or the post office, by cash, credit or debit card. For a Direct Cremation and Direct Burial you’ll need to pay in full within two working days from making the arrangement. Payment can be made by using a credit or a debit card.

Paying funeral costs from the estate

If you instruct Co-op Legal Services to carry out probate of the estate, they will pay us the cost of the funeral, providing there are sufficient assets that can be sold after. You'll still need to pay the third party costs upfront, however these can be reimbursed within 21 days of instructing Co-op Legal Services to act.

More information about how Co-op Legal Services can help you.