Members save £25
Pre-paid Funeral Plans

Direct Cremation Plan

This is a lower cost pre-paid funeral plan with a straightforward cremation that does not include a service people can go to.

£1,700
Member Card Icon Co-op members save £25. Member Price: £1,675.   Become a member

Monthly instalments available

Buy a funeral plan Buy a funeral plan

If someone has died and you need to arrange a direct cremation, we can help you.

Pre-paid Funeral Plans

Direct Cremation Plan

This is a lower cost pre-paid funeral plan with a straightforward cremation that does not include a service people can go to.

£1,700
Member Card Icon Co-op members save £25. Member Price: £1,675.   Become a member

Monthly instalments available

Buy a funeral plan Buy a funeral plan

If someone has died and you need to arrange a direct cremation, we can help you.

Members save £25

Direct Cremation Plan includes:

  • Fully guaranteed to cover all crematorium fees.

  • The date, time and location of the cremation is chosen by Co-op Funeralcare.

  • Basic coffin with gold effect handles.

  • Removal of standard medical devices, for example, pacemakers.

  • Ashes provided in biodegradable cardboard ashes box and can be scattered at or collected from the crematorium, or collected from a Co-op funeral home.

  • A funeral wishes form to let people know what you want to happen with your ashes or how you want to be remembered.

  • A free call from our Funeral Bereavement Support Team offering bereavement support and help with any legal issues.

Not included in Direct Cremation Plan:

  • A funeral service for people to attend.

  • Visiting the person in our funeral home.

    If you want a funeral plan that includes a service and the option to visit the person in the funeral home, look at our Simple, Bronze, Silver and Gold plans.

Direct Cremation Plan includes:

  • Fully guaranteed to cover all crematorium fees.

  • The date, time and location of the cremation is chosen by Co-op Funeralcare.

  • Basic coffin with gold effect handles.

  • Removal of standard medical devices, for example, pacemakers.

  • Ashes provided in biodegradable cardboard ashes box and can be scattered at or collected from the crematorium, or collected from a Co-op funeral home.

  • A funeral wishes form to let people know what you want to happen with your ashes or how you want to be remembered.

  • A free call from our Funeral Bereavement Support Team offering bereavement support and help with any legal issues.

Not included in Direct Cremation Plan:

  • A funeral service for people to attend.

  • Visiting the person in our funeral home.

    If you want a funeral plan that includes a service and the option to visit the person in the funeral home, look at our Simple, Bronze, Silver and Gold plans.

Downloads

Download Direct Cremation Plan summary (PDF, 256kb)

Brochure of funeral plans (PDF, 256kb)

Terms and conditions of funeral plans (PDF, 207kb)

View other plans

Learn more about our range of funeral plans:

Simple

Bronze

Silver

Gold

Compare funeral plans

Get a simple overview of how our funeral plans compare to each other.

Compare our funeral plans.

Payment options for Direct Cremation

When you buy a plan with Co-op you can be confident that your money is protected and your funeral will be provided when the time comes.

Co-op Members save £25 on a Direct Cremation Plan.

Pay in full

Pay the full cost in a single payment.

£1,700

Pay monthly over 6 or 12 months

Spread the cost over 6 or 12 months at no extra charge.

Pay monthly over 2 to 5 years

Instalment charges apply when you pay over 2 to 5 years because you’re paying over a longer period.

Buy a plan or speak to someone

Online

If you're ready to buy online

Buy a plan online Buy a plan online

On the phone

If you'd prefer to speak to someone call 0808 303 2570

In person

If you'd like to see someone face-to-face

Find a funeral home

How our funeral plans work

  • 1

    Choose and buy the right funeral plan for you.

  • 2

    We send out your pack that includes a plan summary, two 'care cards', a funeral wishes form and our terms and conditions.

  • 3

    If you choose a 'nominated person' they will also receive a copy of your plan.

  • 4

    You can fill in the funeral wishes form, return it to us and we will keep it safe.

  • 5

    Give a 'care card', that has your name and plan number on, to whoever is most likely to arrange your funeral.

  • 6

    When you die, they contact Co-op and we help them arrange everything.

Make it personal to you

Having a funeral plan means you can let people know how you want to be remembered. Not everyone will want a big service, you might not want a service at all.

Our Direct Cremation plan allows you to do things differently. Instead of paying for a funeral service, that money can be used to remember you in another way.

You might want to put some money behind the bar, treat the people you love to a special meal, or make a donation to a charitable cause close to your heart. With an unattended direct cremation, you can keep things simple.

Perhaps your decision is more of a practical one. You don’t want your family to spend more than is necessary or be overwhelmed by unexpected funeral costs. Whatever your reasons, direct cremation gives you the freedom to do things your way.

Making changes to your plan

We understand you might want to make changes to your funeral plan or your funeral wishes over the years.

This could be because you:

  • have moved house and want to tell us your new address
  • changed your mind on music choices
  • want to switch to a different plan type
  • need a payment break because of personal circumstances

Whatever help you need, call our central care team on 0808 303 2570.

Tell people you have a funeral plan

Having a funeral plan means whoever arranges your funeral will know what to do and that it is paid for.

You could tell them about any funeral wishes you have. Don’t worry if this feels too difficult, the most important thing is they know you have a funeral plan and where to find it when it’s needed.

Questions and answers

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 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.

Please contact us to discuss your options, if you’re struggling to pay for your plan.

If you’re spreading the cost over 6 or 12 months and you miss 3 payments in a row, we may cancel your plan and pay back the money paid, less our £125 cancellation fee.

If you’re paying in instalments over 2–5 years and you miss 3 instalments in a row, we have the right to cancel your plan and give you back the money you’ve paid, less our £125 cancellation fee, if your plan is cancelled after 12 months.

If you have a funeral plan with us and need to change any personal details, i.e. address or contact phone number, you can do this by sending us a message. In your message, let us know:

  • Your name
  • Date of birth
  • Your funeral plan number
  • Email address
  • What you are changing and what it used to be, i.e. your old and new address.

We’ll contact you by email to let you know your details have been updated.

When you take out a plan with us, you’ll generally receive a documents folder in the post within 10 working days containing:

  • A covering letter
  • A plan summary
  • A copy of our terms and conditions
  • A copy of your demands and needs statement
  • A funeral requests form for you to complete with your special wishes
  • If you nominate a representative, we’ll send them information on what they’ll need to do when the time comes and a clear summary of your funeral plan for them to keep safe. It’ll include your nominated funeral home but it won’t include the cost of your plan.

If you have chosen to pay by monthly Direct Debit, the covering letter will confirm the set term you are paying over, the amount of the payment and the date of your first Direct Debit payment. And if paying in instalments over 2-5 years, the total amount you will pay over the term including the instalment charge.

There are no additional costs to pay when you choose a Direct Cremation.