Coronavirus
Read our advice and latest updates
Compare our funeral plans
We have 4 fixed plans with a combination of services, so you can choose the one that works for you. You can see the differences between each plan below.
Compare our funeral plans
We have 4 fixed plans with a combination of services, so you can choose the one that works for you. You can see the differences between each plan below.
Our fixed funeral plans
Simple
Pay £3,095 in full, or in monthly payments from £18.96 per month*
Member price £3,020 save £75
- A contribution of £950 towards defined third party fees
- A basic coffin
- Fixed cortege route
- Restricted date, time and location for the funeral (crematorium of our choice in the local area)
- Visiting the private remembrance room in normal working hours with pre-arranged appointment
- Vehicle of our choice to take the coffin to the funeral
- Family and friends can carry the coffin, or they can use a wheeled bier
Bronze
Pay £3,595 in full, or in monthly payments from £22.13 a month*
Member price £3,470 save £125
- A contribution of £1,100 towards defined third party fees (cremation fees are guaranteed)
- Wood effect coffin
- Fixed cortege route
- Restricted date and time for the funeral
- Visiting the private remembrance room in normal working hours with pre-arranged appointment
- Hearse
- Pallbearers – we can provide Co-op personnel to carry the coffin, or family and friends can carry the coffin or use a wheeled bier
Silver
Pay £3,995 in full, or in monthly payments from £24.65 a month*
Member price £3,870 save £125
- Fully guaranteed to cover defined third party fees
- Wood effect coffin
- Flexible cortege route
- Mutual agreement on date and time of the funeral
- Visiting the private remembrance room at any time of day with pre-arranged appointment
- Hearse
- Pallbearers – we can provide Co-op personnel to carry the coffin, or family and friends can carry the coffin or use a wheeled bier
- One limousine
Gold
Pay £4,295 in full, or in monthly payments from £26.55 a month*
Member price £4,170 save £125
- Fully guaranteed to cover defined third party fees
- Wood veneer coffin
- Flexible cortege route
- Mutual agreement on date and time of the funeral
- Visiting the private remembrance room at any time of day with pre-arranged appointment
- Hearse
- Pallbearers – we can provide Co-op personnel to carry the coffin, or family and friends can carry the coffin or use a wheeled bier
- Two limousines
- Memorial Canvas or similar item of equivalent value
Every Co-op funeral plan includes:
- The choice between burial and cremation
- 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
- All funeral plans being paid for in monthly payments over 2-25 years will be protected by the Co-op Commitment^
- You can fully personalise your funeral plan with hymns, songs & readings - we'll keep these wishes safe until your plan is redeemed
- Advice on any additional products not included in the funeral plan, such as floral tributes, funeral stationery or newspaper notices (to be paid by the client when arranging the funeral)
What's not included
There are some things that are not included in the cost of our fixed funeral plans that can be added when the funeral plan is redeemed. These include:
- Embalming
- Flowers
- Orders of service
- Newspaper notices
- Alternative hearses
- Extra limousines or executive cars
If you’d like to buy a plan that includes any of the above, have a look at our tailor-made plans.
For full details, see our funeral plan terms and conditions.
What are defined third party fees?
Third party fees are charges for services not provided by a funeral director.
Defined third party fees are those that Co-op funeral plans will either cover (Silver and Gold) or contribute an amount to (Simple and Bronze) when the plan is redeemed.
For cremation these fees include:
- cremation fees at a local crematorium
- officiant’s fee to perform the service at the crematorium
- doctors’ fees (if applicable)
For burial these fees include:
- burial or interment fee (single), gravedigger fee where applicable
- officiant’s fees to conduct a service at a local cemetery chapel or church or at the graveside
None of our funeral plans include or contribute towards the cost of buying a burial plot.
Do Co-op funeral plans cover third party fees?
Our Silver and Gold funeral plans are fully guaranteed, meaning that we guarantee to cover the cost of all items within the plan, including our services and any defined third party fees. As prices and availability vary across the UK, none of our burial plans include the cost of buying a grave.
Once you’ve paid the balance of your guaranteed plan, your loved ones will have nothing more to pay for the services included in your plan, even if prices rise in the future.
Our Simple and Bronze funeral plans cover all the essential services for a funeral and provide a set contribution that can be used towards defined third party fees. If the cost of defined third party fees exceeds the contribution amount, your loved ones will have to pay the difference.
If you choose a Bronze Plan, we guarantee that this contribution will cover the cremation fees. If a balance remains, this can be used to help pay officiant and doctors’ fees (if applicable).
As prices are likely to change during the life of your funeral plan, we will adjust the cap on the charges that we pay to others to reflect general inflation (based on the Consumer Price Index measure of inflation).
Some common questions
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 payments over 2-25 years.
With our pay monthly funeral plans you receive the same service whether you pay monthly or in full for your prepaid funeral plan. If you'd prefer a pay monthly funeral plan, we have numerous options available to meet any budget requirements you may have.
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. To find out how much a pay monthly funeral plan will cost, use our online calculator
If you choose one of our guaranteed plans, we guarantee all the services in your funeral plan will be delivered at no extra cost. We provide those services ourselves and with funeral homes we have a relationship with, such as other regional co-operatives.
We put all of the money from each plan into an individual whole of life insurance policy with The Royal London Mutual Insurance Society Limited. We receive an allowance to meet our initial costs of selling and arranging the funeral plan. The money is released to us when you die so that the funeral can be provided.
Money can also be released if you cancel your plan, so we can refund this to you in accordance with our terms and conditions. Working with Royal London we regularly monitor the whole of life insurance policies to ensure enough funds are available for us to provide the services set out in your plan. We report on this annually in our accounts.
The money used to buy a prepaid funeral plans is exempt from inheritance tax; therefore, you may want to consider buying a funeral plan if your estate is liable for this tax. In addition to inheritance tax exemption, your council may not include the monetary value of the plan if you're assessed for help towards care costs. However, if you’re looking to purchase a prepaid funeral plan to decrease what’s in your overall savings you may need to contact your local council to see if or what their saving limits are set at.
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.
Someone else can pay for your plan but you’re still responsible for making sure payments are made. You’ll own and control your plan and will receive the documents relating to it. If the person paying for your plan is paying monthly over 2-25 years, that person must be 18 years of age or over. All payments must be completed by their 80th birthday.
All of our plans can be personalised to include special wishes and requests. When you buy a prepaid funeral plan, you’ll receive a ‘funeral service request’ form in the post along with the summary of your plan. You just need to write your wishes on the form and send it back to us, and we’ll keep it safe until the time of the funeral.
If you change your mind, contact our funeral planning team and we’ll amend your personal requests. There are no limits to the number of times personal requests can be updated, these are amended at no extra charge.
All of our plans can be personalised to include special wishes and requests. When you buy a fixed plan, you’ll receive a ‘funeral service request’ form in the post along with the summary of your plan. You just need to write your wishes on the form and send it back to us, and we’ll keep it safe until the time of the funeral.
If you buy a tailor-made plan, your personal requests can be recorded with the help of our colleagues at the funeral home. They can either record your wishes at the time of taking out the plan or add them later when you’ve had time to think it over.
If you change your mind, you can email our funeral planning team at funeralplans@coop.co.uk and we can change your personal requests. There are no limits to the number of times personal requests can be updated, these are amended at no extra charge.
Download a copy of our funeral plan brochure or call our funeral planning team to request a printed version by post.
*Price of £18.96 per month is based on a 50-year-old purchasing a Simple Funeral Plan at £3,095 over 25 years (total amount repayable £5789.32), monthly payments for other plans will be different. You can choose to spread the cost of paying for your plan over 2-25 years. A minimum of £99 deposit is required to be paid when buying a plan on monthly instalments, this will be taken off the plan price. A charge is included in the plan cost if you choose to pay over 2-25 years. A maximum age limit applies to the Plan Purchaser. This option is available to anyone as long as the plan is paid for in full before the Plan Purchaser's 80th birthday.
^If you choose to make monthly payments over 2–25 years, your plan will include the Co-op Commitment. If you die after 12 months, we promise to deliver all the services provided in your plan, even if you’ve not made all the payments. If you die as a result of an accident within the first 12 months of your plan, you’ll be covered by our Co-op Commitment. All payments must be paid up to date and your funeral must be carried out by one of our funeral directors. See our terms and conditions.