Cremation plans

Plan and pay for your funeral in advance with a pre-paid cremation plan and start creating something truly personal today.

Cremation plans

Plan and pay for your funeral in advance with a pre-paid cremation plan and 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

What is a cremation funeral plan?

With a cremation plan you can plan and pay for your funeral in advance. It allows you to protect your family from unexpected funeral costs and makes sure your funeral wishes are known.

Why consider a cremation plan?

Cremation plans can be a cheaper alternative to burial plans, this is because you won't need to buy a grave plot, which can be expensive in certain parts of the country.

What is included in my pre-paid cremation plan?

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 cremation plan below.

Our payment options

We have a choice of payment options, ranging from paying in full, spreading 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, as you’ll be paying over a longer period of time, and age restrictions apply as you must finish paying all instalments by your 80th birthday. See our terms and conditions for more information.

A summary of our Simple Plan

Base price £3,225

Pay in full, spread the cost over 6 or 12 months, or pay in monthly instalments over 2 to 25 years

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

Base price £3,735

Pay in full, spread the cost over 6 or 12 months, or pay in monthly instalments over 2 to 25 years

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

Base price £4,150

Pay in full, spread the cost over 6 or 12 months, or pay in monthly instalments over 2 to 25 years

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

Base price £4,460

Pay in full, spread the cost over 6 or 12 months, or pay in monthly instalments over 2 to 25 years

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

Can I change my Co-op burial plan to a cremation plan?

Yes, if you’ve previously bought a burial plan and wish to change to cremation, or change your cremation plan to a burial plan, you can do. If there are any changes in costs, we’ll let you know what these are when you contact us. Get in touch with us either via live chat or call us on 0800 289 120 to update your plan and receive new updated plan documents in the post.

How much does a Co-op cremation plan cost?

Co-op cremation plan costs differ depending on what services you’d like included in your plan. Prices start from £3,225 for our Simple Cremation Plan, and up to £4,460 for our Gold Cremation Plan. You can choose to pay in full, spread the cost over 6–12 months with no extra costs or pay over 2–25 years.

What are the benefits of pre-paying for my cremation?

If you choose to pay in instalments over 2–25 years and die after 12 months, as long as your payments are up to date, we won’t collect the rest of the balance on the plan and our Funeral Director will deliver the services in the plan^.

Unlike most funeral plan providers, at the Co-op we both plan and carry out your funeral, meaning you can be sure that every detail in your plan will be as you wanted. You can also be confident that a Co-op funeral director will be conducting your funeral with all the care and high standards you would expect from us. Other plan providers may ask you to nominate an independent funeral director, but they can’t guarantee that they will be the ones carrying out the funeral.

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.

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*Price of £19.79 per month is based on a 50-year-old purchasing a Simple Funeral Plan at £3,225 over 25 years (total amount repayable £6,036.42), 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.