Why choose a Co-op funeral plan?
Co-op funeral plans give you the reassurance that your loved ones will be protected from unexpected funeral costs and uncertainty about your wishes. We believe our plans are the best on the market, and here’s why.
Compare our plans against other providers
Compare our plans against other providers
We believe our funeral plans are the best available. See how our plans compare against other providers below. Last reviewed Friday 1st June 2022.
| Co-op | Golden Charter | Dignity | |
|---|---|---|---|
| Will the cost of my funeral be covered if I die before I complete my payments? |
If you complete 12 months of payments^ |
|
If you complete 12 months of payments |
| Can I choose my funeral director? |
Choice of any Co-op funeral director |
No guarantee the independent funeral director will accept a request to redeem a plan |
Most plans allow full choice. Limited Plan has a restricted choice from over 800 funeral directors. |
| Is 24/7 collection from place of death included on all plans? |
Yes |
Select plans only |
|
| Collection mileage to place of care |
50 miles |
25 miles |
50 miles |
| Are doctors’ fees included? |
|
|
|
| Will there be any cancellation charges if I cancel my plan? |
£125 after 30 day cool off period |
£249 after 30 day cool off period |
£249 after 30 day cool off period |
| Fairer Finance rating | 5 stars (Gold and Silver plans) | 2 stars (Premier and Select plans) | 4 stars (Pearl, Diamond and Willow plans) |
| Can I personalise my plan with hymns, songs and readings etc? |
Just fill out a special wishes form and we’ll keep it with your plan for when the time comes |
|
|
| If I move to a different area, can I change my selected funeral director? |
With our plans you have full flexibility to choose any of our funeral directors at no extra charge |
You may be charged a fee if you want to change your selected funeral director |
|
| Will the cost of my funeral be covered if I die before I complete my payments? | |
|---|---|
| Co-op |
If you complete 12 months of payments^ |
| Golden Charter |
|
| Dignity |
If you complete 12 months of payments |
| Can I choose my funeral director? | |
|---|---|
| Co-op |
Choice of any Co-op funeral director |
| Golden Charter |
No guarantee the independent funeral director will accept a request to redeem a plan |
| Dignity |
Most plans allow full choice. Limited Plan has a restricted choice from over 800 funeral directors. |
| Is 24/7 collection from place of death included on all plans? | |
|---|---|
| Co-op |
Yes |
| Golden Charter |
Select plans only |
| Dignity |
|
| Collection mileage to place of care | |
|---|---|
| Co-op |
50 miles |
| Golden Charter |
25 miles |
| Dignity |
50 miles |
| Are doctors’ fees included? | |
|---|---|
| Co-op |
|
| Golden Charter |
|
| Dignity |
|
| Will there be any cancellation charges if I cancel my plan? | |
|---|---|
| Co-op |
£125 after 30 day cool off period |
| Golden Charter |
£249 after 30 day cool off period |
| Dignity |
£249 after 30 day cool off period |
| Fairer Finance rating | |
|---|---|
| Co-op | 5 stars (Gold and Silver plans) |
| Golden Charter | 2 stars (Premier and Select plans) |
| Dignity | 4 stars (Pearl, Diamond and Willow plans) |
| Can I personalise my plan with hymns, songs and readings etc? | |
|---|---|
| Co-op |
Just fill out a special wishes form and we’ll keep it with your plan for when the time comes |
| Golden Charter |
|
| Dignity |
|
| If I move to a different area, can I change my selected funeral director? | |
|---|---|
| Co-op |
With our plans you have full flexibility to choose any of our funeral directors at no extra charge |
| Golden Charter |
You may be charged a fee if you want to change your selected funeral director |
| Dignity |
|
^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.