Compare our funeral plans
We have 4 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 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.
^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.
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.
Simple
£3,225
Member price £3,150 save £75
The list below shows items that are included and not included in the plan
- A contribution of £850 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
- The following items are not included in the plan:
- Embalming
- Flowers
- Newspaper notices
- Doctor's fees
- Orders of service
- Alternative hearses
- Extra limousines or executive cars
- Fees for a service at a separate location to the crematorium or place of burial
Bronze
£3,735
Member price £3,610 save £125
The list below shows items that are included and not included in the plan
- A contribution of £1,000 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
- The following items are not included in the plan:
- Embalming
- Flowers
- Newspaper notices
- Doctor's fees
- Orders of service
- Alternative hearses
- Extra limousines or executive cars
- Fees for a service at a separate location to the crematorium or place of burial
Silver
£4,150
Member price £4,025 save £125
The list below shows items that are included and not included in the plan
- 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
- The following items are not included in the plan:
- Embalming
- Flowers
- Newspaper notices
- Doctor's fees
- Orders of service
- Alternative hearses
- Extra limousines or executive cars
- Fees for a service at a separate location to the crematorium or the place of burial
Gold
£4,460
Member price £4,335 save £125
The list below shows items that are included and not included in the plan
- 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
- The following items are not included in the plan:
- Embalming
- Flowers
- Newspaper notices
- Doctor's fees
- Orders of service
- Alternative hearses
- Extra limousines or executive cars
- Fees for a service at a separate location to the crematorium or place of burial
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
- You can fully personalise your funeral plan with hymns, songs & readings - we'll keep these wishes safe until your plan is redeemed
- Help with any additional products not included in the funeral plan, such as flowers or funeral stationery (to be paid by the client when arranging the funeral)
- The option for family to pay for additional items, such as newspaper notices and flowers, at the time of the making the funeral arrangements
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
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 for other third party costs, such as the officiant's fee.
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).
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.
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 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.
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.
You can cancel your plan at any time by calling us or filling in our online plan cancellation form.
If you choose to pay in full or you are paying by monthly payments over 6 or 12 months and cancel within 30 days of purchasing your plan, we’ll provide a full refund of all payments made (including any deposit). If you cancel after 30 days, we’ll refund the payments you’ve made (including any deposit) but deduct our £125 cancellation fee.
If you choose to pay by monthly instalments over 2-25 years and you cancel within 12 months of purchasing your plan, we’ll provide a full refund of all payments made (including any deposit). If you cancel after 12 months, we’ll refund the payments you’ve made (including any deposit) but deduct our £125 cancellation fee.
All of our plans can be personalised to include special wishes and requests. When you buy a 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, 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.
