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Direct Cremation Plan

At Co-op Funeralcare we're proud to be in association with Memoria, offering a Direct Cremation Plan at £1,490.

Buy Direct Cremation Plan with Memoria
In association with Memoria

We're proud to offer Memoria's Direct Cremation Plan so you can arrange and pay for a direct cremation in advance.

Low-cost funeral plan

The Direct Cremation Plan is £1,490 and protects your family and friends from any unexpected costs in the future.

High standards of care

When the plan is redeemed, all services will be carried out to the highest standard by our experienced Co-op Funeralcare colleagues.

Simple to buy

You can buy a Direct Cremation Plan online or over the phone with one of our friendly Co-op customer service advisors.

What is a Direct Cremation Plan?

This low-cost funeral plan is suitable for those looking to arrange and pay for a direct cremation in advance. Although friends and family won't be able to attend the cremation, it enables them to commemorate your life in the way you'd have wanted and protects them from any unexpected costs.

Bouquet of pink roses for a funeral

What's included?

    • Collection of the deceased**
    • Advice on certification and registration
    • A basic coffin for the purpose of cremation
    • Funeral personnel
    • Transfer of the coffin to the crematorium
    • Personal online funeral arranger
    • Care of the deceased by a Co-op funeral director
    • Arrangement of a direct cremation at a crematorium chosen by us

What’s not included?

    • Choice of funeral director
    • Doctor’s fees
    • Viewing of the deceased
    • Attendance at the funeral service
    • Choice of crematorium
    • A hearse or limousine
    • Return of ashes - this can be arranged at redemption of the plan
    • Embalming
    • Additional items such as flowers, headstone or obituary notice
    • Exclusive Member Offers

If you’d like to buy a plan that includes any of the above, have a look at our fixed or tailor-made plans.

How much does a Direct Cremation Plan cost?

The cost of a Direct Cremation Plan is £1,490.

You can pay this in full by debit or credit card over the phone on 08000884883 or online. If you'd like to buy your plan online you'll be taken to Memoria’s website to complete your purchase.

Buy Direct Cremation Plan with Memoria
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Explore our other fixed funeral plans

Simple

£3,095

Our lowest cost plan that includes all the essentials for a funeral

Pay in full or from £18.96* a month

Co-op members save £75 and get £25 back to spend in store

  • 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 and get £50 back to spend in store

  • 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 and get £50 back to spend in store

  • 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 and get £50 back to spend in store

  • Fully guaranteed to cover defined third party costs
  • Available for burial and cremation

Exclusive Members Offers are not available with a Direct Cremation Plan.

Some common questions

A Direct Cremation Plan is available to any UK resident over the age of 18 (Northern Ireland and Islands excluded).

To keep your money safe, Memoria put all of the money from each plan (less the fee for setting up the plan) into an individual whole-of-life policy with their preferred provider Scottish Friendly. When you die the money is released to Memoria so that your funeral can be provided.

If you have paid the full amount, your chosen funeral will be provided on your death. On taking out the plan, please make sure that you have informed a family member or representative so that in the unfortunate event of your death they will be aware of the need to inform Memoria of this by:

  • telephone: 0800 862 0150 (available 24 hours a day, 7 days a week)
  • email: info@low-cost-funeral.co.uk
  • writing to: Low Cost Funeral Limited, The Pool House, Bicester Road, Stratton Audley, Oxfordshire, OX27 9BS

The responsibility for your funeral lies with Low Cost Funeral Limited who, in most cases, will instruct Co-op Funeralcare to perform the services required prior to the cremation.

Memoria will send you all of your plan documentation including your unique customer number within 30 days of the plan start date. You should keep this in a safe place and let your family or representative know where it is kept.

Yes, you can upgrade to one of our set funeral plans issued directly by Co-op Funeralcare. In order to do so, cancel this plan with Low Cost Funeral Limited and they will then return the amount paid less a cancellation fee of £250. This will be deducted from the cost of a new Co-op funeral plan purchase.

In order to purchase the new plan please ring 08000884883 and we can explain the options available to you and arrange the discount.

You can make changes to your plan or notify Memoria about any other change in detail (such as change of address) by contacting Memoria by:

  • telephone: 0800 862 0150
  • email: info@low-cost-funeral.co.uk
  • writing to: Low Cost Funeral Limited, The Pool House, Bicester Road, Stratton Audley, Oxfordshire, OX27 9BS

As long as you are still in the UK (excluding Northern Ireland and Islands) then your plan will still be valid.

You can cancel your plan and receive a full refund with no obligation within 30 days of receipt of your plan documents. If you decide to cancel your plan after 30 days of receipt of your plan documents and have chosen to pay in full then please contact us and any monies paid, less the cancellation charge of £250, will be refunded.

Please see Memoria's full terms and conditions for more details.

As this is a funeral plan provided by Memoria, Membership discount is not eligible and member rewards cannot be used as a contribution towards the purchase of a Direct Cremation Funeral Plan.

*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.

**There may be extra charges on collections in excess of 50 miles from the nearest Co-op funeral home.