Funeral cost calculator

As funeral costs vary across the country, tell us where the funeral will be held and we’ll give you an estimate of the cost for that area. If you’re worried about paying for the funeral, let your Co-op funeral director know and they can explain what help is available.

If someone has died and you need our help, contact us:

How to pay for the funeral

How you pay for the funeral depends on the type of funeral you've chosen.

If you've chosen an Essential or Tailored 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:

  1. You'll need to pay a minimum of 50% of the total estimated funeral cost within 48 hours of making the funeral arrangements.

  2. To provide the right support and guidance, we may conduct a soft credit check which will determine when the remaining balance is due. You may be asked to pay in full before the funeral takes place or we’ll send you an invoice after the funeral, which needs to be paid within 21 days.

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

If you've chosen a direct cremation or direct burial

You'll need to pay for a direct cremation or direct burial in full within 48 hours of making the arrangements. You can pay online, over the phone or at your local funeral home. We accept cash, credit and debit card payments.

Couple talking to each other outside

Co-op Legal Services could pay funeral costs

If you instruct Co-op Legal Services to carry out probate, they could cover the cost of the funeral up front. They get the money back from the ‘estate’ (the things that the person owned), later.

Check if you need probate

Funeral arranger sat with a family during an arrangement in a funeral home.

Get a loan through Funeral Safe

If you’d prefer to pay for the funeral in monthly instalments, you can do this through our partner Funeral Safe who offer credit agreements at 15.9% APR. Ask your funeral director for more information.

Apply now