Funeral plans

Your goodbye wishes matter

Be remembered your way with our award-winning prepaid funeral plans. Start creating something truly personal today.

Funeral plans

Your goodbye wishes matter

Be remembered your way with our award-winning prepaid funeral plans. Start creating something truly personal today.

If you’re looking to buy a pre-paid plan, follow these links below

Buy a plan Request a callback Call our funeral planning team on 0800 088 4883
Complete service

Unlike most funeral plan providers, we both plan and carry out your funeral, so we can make sure every detail is how you wanted.

Our commitment to you

If you pay in monthly instalments, we’ll carry out the services in your plan, even if you die before the plan is paid in full.^

Award-winning service

Moneynet has recognised us as the ‘Best Funeral Plan Provider’, and we’ve been given the highest ratings from trusted independent experts.

Flexible payments

A choice of payment options, including one-off payments or monthly payments up to 25 years, whichever is best for you.

^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.

Co-op prepaid funeral plans

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.

Why choose a Co-op funeral plan?
Couple sat in their kitchen discussing funeral plans.

Our awards and ratings

Our Silver and Gold Funeral Plans have received a 5 Star Rating from Fairer Finance.

Defaqto 2021 logo

For 5 years running, our Gold Funeral Plan has been given a 5 Star Rating by Defaqto.

Moneynet has recognised us as being the Best Funeral Plan Provider for the last 5 years.

  • Our Silver and Gold Funeral Plans have received a 5 Star Rating from Fairer Finance.

  • Defaqto 2021 logo

    For 5 years running, our Gold Funeral Plan has been given a 5 Star Rating by Defaqto.

  • Moneynet has recognised us as being the Best Funeral Plan Provider for the last 5 years.

Our funeral plans


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.

Our range of prepaid funeral plans
You can pay in full, spread the cost over 6 or 12 months with no additional costs or monthly instalments over 2–25 years. There's an additional instalment charge when paying over 2-25 years and age restrictions apply. See our T&Cs for more information.

A summary of our Simple Plan

£3,225

Our lowest cost plan that includes all the essentials for a funeral arrangement

Co-op members save £75

  • Available for burial and cremation
  • Includes a contribution of £850 to help cover defined third party costs

A summary of our Bronze Plan

£3,735

Our plan that covers cremation fees, no matter how much prices rise

Co-op members save £125

  • Available for burial and cremation
  • Includes a contribution of £1,000 towards defined third party fees (cremation fees are guaranteed)

A summary of our Silver Plan

£4,150

Our fully guaranteed plan that gives flexibility with the funeral arrangements.

Co-op members save £125

  • Available for burial and cremation
  • Fully guaranteed to cover defined third party costs

A summary of our Gold Plan

£4,460

Our fully guaranteed plan with 5-star ratings from Fairer Finance and Defaqto 4 years running.

Co-op members save £125

  • Available for burial and cremation
  • Fully guaranteed to cover defined third party costs
Download a copy of our funeral plan brochure or call our funeral planning team to request a printed version by post.

Co-op Funeralcare do not curently offer direct cremation plans. Memoria offer a Direct Cremation Plan at £1,490.

A membership that makes a difference

Co-op Members benefit from exclusive member prices when buying a funeral plan with us. Plus, we’ll give £2 for every hundred pounds spent to community causes.

Become a member

Some common questions

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.

Find out more

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:

  • Family support and assistance provided by a funeral director
  • Care and preparation of the person who has died
  • The choice for loved ones to visit a private remembrance room
  • Transfer of the person who has died within a 50-mile radius, 24 hours a day
  • Regular contact with the arranging client to plan the funeral
  • A free call from our Bereavement Notification Service team and bereavement assistance from professional organisations
  • You can fully personalise your funeral plan with hymns, songs & readings - we'll keep these wishes safe until your plan is redeemed

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.

View all our frequently asked questions

More about funeral plan costs

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.

Image of a smartphone calculator

How do our funeral plan prices compare with today’s funeral prices?

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.

White floral arrangement