More about funeral plan costs
If you'd like to pay for your funeral plan in monthly payments over 6 months up to 25 years, use our funeral plan cost calculator to find out how much you'd pay each month.
Cremation plans
Plan and pay for your funeral in advance with a pre-paid cremation plan. Our award-winning Co-op funeral plans start from £18.96 per month*.
Cremation plans
Plan and pay for your funeral in advance with a pre-paid cremation plan. Our award-winning Co-op funeral plans start from £18.96 per month*.
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. However, if you’re looking to keep costs down, our Simple Cremation Plan is £3,095 or £18.96 per month* and is a cheaper alternative to a more traditional cremation plan.
What is included in my pre-paid cremation plan?
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 cremation plan below.
Simple
£3,095
Our lowest cost plan that includes all the essentials for a funeral arrangement.
Pay in full or from £18.96* a month
Co-op members save £75
- Includes a contribution of £950 to help cover defined third party costs
- Available for burial and cremation
Bronze
£3,595
Our plan that covers cremation fees, no matter how much prices rise.
Pay in full or from £22.17* per month
Co-op members save £125
- Includes a contribution of £1,100 to help cover defined third party costs (cremation fees are guaranteed)
- Available for burial and cremation
Silver
£3,995
Our most popular plan that gives your loved ones flexibility with the funeral arrangements.
Pay in full or from £24.65* per month
Co-op members save £125
- Fully guaranteed to cover defined third party costs
- Available for burial and cremation
Gold
£4,295
Our premium plan with 5-star ratings from Fairer Finance and Defaqto 4 years running.
Pay in full or from £26.55* per month
Co-op members save £125
- Fully guaranteed to cover defined third party costs
- Available for burial and cremation
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 £3,095 for our Simple Cremation Plan, and up to £4,199 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?
When you take out a plan with us, we want you to have peace of mind that your family will be protected from unexpected funeral costs, no matter what happens. So, if you choose to pay monthly over 2-25 years you’ll benefit from our Co-op Commitment^.
This means that if you’ve been paying into the plan for at least 12 months without missing any payments, and you die before finishing the payment term, we’ll honour your funeral plan without asking your family to pay the remaining balance.
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.
*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.
