Your goodbye wishes matter
Be remembered your way with our award-winning prepaid funeral plans. Start creating something truly personal today.
Your goodbye wishes matter
Be remembered your way with our award-winning prepaid funeral plans. Start creating something truly personal today.
^If you choose to make monthly payments over 2–25 years, and you die after 12 months, we will deliver all the services provided in your plan, even if you’ve not finished paying for it. If you die as a result of an accident within the first 12 months of your plan, we will deliver all services provided in your plan. All previous payments must be paid up to date and your funeral must be carried out by one of our approved funeral directors. See our terms and conditions.
A funeral plan is the easy way to arrange and pay for your funeral in advance, giving you comfort in knowing that costs are covered. It also allows you to choose how you want to be remembered, which can remove any uncertainty your loved ones may have about your final wishes.
Before you buy a plan with us, we’ll ask you a few simple questions about the kind of funeral you want and how much you want to pay. Based on the information you give us, you'll be shown the plans that match your needs. This is to help you decide which plan is right for you.
£3,225
Our lowest cost plan that includes all the essentials for a funeral arrangement
Co-op members save £75
£3,735
Our plan that covers cremation fees, no matter how much prices rise
Co-op members save £125
£4,150
Our fully guaranteed plan that gives flexibility with the funeral arrangements.
Co-op members save £125
£4,460
Our fully guaranteed plan with 5-star ratings from Fairer Finance and Defaqto 4 years running.
Co-op members save £125
Co-op Funeralcare do not curently offer direct cremation plans. Memoria offer a Direct Cremation Plan at £1,490.
A prepaid funeral plan allows you to plan and pay for your funeral in advance. Many people find comfort in knowing that when the time comes, their family will be protected from unexpected funeral costs, and that all decisions for the funeral have already been made.
Buy a funeral plan online, at a Co-op funeral home, or by calling our funeral planning team on 08000884883
You can choose to pay either in full, in monthly payments over 6 or 12 months, or monthly instalments over 2-25 years.
If you’re paying over 6-12 months, there are no additional charges. However, when paying over 2-25 years, there are additional charges. If you choose to pay in monthly payments, you’ll need to pay a minimum £99 deposit when you buy the plan. You can pay a bigger deposit if you'd like to lower the monthly costs.
Every Co-op funeral plan includes:
Our 4 plans (Simple, Bronze, Silver, Gold) have a different combination of services.
Whichever plan you buy, we’ll send you a plan summary in the post within 10 working days that confirms everything that’s included.
All plans may have extra costs at the time of your funeral. These may include:
• doctors' fees
• where a ceremony or service is held at a different location to the cremation
• for the burial or disposal of ashes
• the cost of buying a grave as prices and availability vary across the UK
• when you’re not a resident of the local area as the local cemetery or crematorium may charge for this
• embalming
Our terms and conditions give a full breakdown of what’s not included in our plans.
Our plans are available to anyone over the age of 18, and we don’t ask any medical or health related questions. If you’re paying monthly over 2-25 years, all payments must be completed by your 80th birthday.
Your funeral will be carried out by one of our funeral directors or one of the associated directors that we have a relationship with such as other regional co-operatives. You'll nominate your chosen Co-op funeral home when you buy your plan, but you can change this if you need to at a later date.
Spread the cost over 6 or 12 months with no additional costs or monthly payments over 2–25 years. If you decide on monthly payments, a minimum deposit of £99 is required when you buy your plan. You can pay a bigger deposit if you’d like to lower the monthly costs.
For more information on monthly payments, read our guide on ways to pay.
There's a small difference between the price you pay in advance for a funeral plan with us*, and how much you might pay for similar services if you were to arrange a funeral today with Co-op Funeralcare. Funeral prices and third party costs vary throughout the UK, but on average a Co-op funeral plan can cost around £213 more than a similar funeral with Co-op Funeralcare. To check our prices and estimated third party costs in your area, use our Funeral Cost Calculator.
In order to keep your money safe and to make sure we can provide the funeral you’ve bought when the time comes, we invest each payment, minus up to 6% to meet our initial costs of selling and arranging your plan, into an individual whole of life insurance policy with The Royal London Mutual Insurance Society Limited.
*when we say ‘our’, ‘us’, or ‘Co-op Funeralcare’, we mean Co-op Funeral Plans Limited in respect of Co-op funeral plans and Funeral Services Limited in respect of Co-op funerals.
