Frequently asked questions

We’ve answered the most frequently asked questions about our funeral plans below.

If you have any questions about our plans that aren't answered here, speak to your local funeral director, or ask our funeral planning team and they'll be able to help you.

Frequently asked questions

We’ve answered the most frequently asked questions about our funeral plans below.

If you have any questions about our plans that aren't answered here, speak to your local funeral director, or ask our funeral planning team and they'll be able to help you.

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

Your funeral will be carried out by one of our funeral directors or one of the associated directors that we have a relationship with, such as other regional co-operatives. You may choose your funeral home when you buy your plan and we will confirm this to you within 30 days

When you buy a Co-op funeral plan we’ll ask you to nominate which Co-op funeral home you’d like to carry out your funeral. So, it's important that you let us know if you move house as we'll need to update which funeral home is going to be carrying out your plan. There's no administration charge, just call us and we'll update it for you straight away.

Co-op Funeral Plans Limited only covers funerals carried out in the UK. If you die elsewhere then we can help your family with arrangements to bring you back so that Funeral Services Limited can carry out your funeral in line with your wishes. There’s an extra cost for this.

Included in our funeral plans is the collection and transfer of the person who has died to a resting place within a 50-mile radius. If you need to be transported further than 50 miles, extra charges will apply.

Simply tell us your wishes and we’ll keep them safe until the time comes. You can either do this at the time you buy your plan, or you can tell us later. You can change your personal wishes and requests whenever you like. They don’t form part of your funeral plan, but we’ll share them with the person arranging your funeral for them to consider.

All plans may have extra costs at the time of your funeral. These may include:

• Where a ceremony or service is held at a different location to the cremation

• For the burial or disposal of ashes

• The cost of buying a grave/lair as prices and availability vary across the UK

• When you’re not a resident of the local area as the local cemetery or crematorium may charge for this

• Embalming and if we have to remove a medical device (for example, a pacemaker)

• Doctors’ fees if applicable

• A memorial or headstone, including repair, cleaning, re-fixing or additional inscriptions and cost of a temporary grave marker

• If your funeral takes place at a weekend, on a public holiday or out of normal working hours. These charges are fixed by the cemetery, churchyard, graveyard or local authority

• If your funeral procession is more than 20 miles

• Additional items requested by the person arranging your funeral that are not already covered in your plan (for example, flowers, orders of service, limousines)

• Local authority fees

Co-op Funeralcare has been providing funerals to celebrate the lives of the nation’s loved ones for over 100 years. By choosing a Co-op Funeralcare plan you can be confident that you’re in safe hands, your money is protected and your funeral will be provided when the time comes.

To ensure your money is safe and protected at all times, an administration fee of up to 6% of each payment made to meet our initial costs of selling and arranging your plan, we invest the remaining amount required to pay for your funeral into an individual whole of life insurance policy with The Royal London Mutual Insurance Society Limited (“Royal London”).

In accordance with regulatory requirements, we have arrangements in place with Royal London to ensure this invested money will only be released in the following circumstances:

  1. if you or we cancel your plan (we will refund you the amount you have paid, less any cancellation fee, if applicable);

  2. you die, and a valid death certificate, or certificate of burial or cremation (GR021 in Northern Ireland) where a death certificate is not available, is provided to us, which we shall pass to Royal London (we use your money to provide your funeral); or

  3. our business fails (Royal London will distribute funds back to your estate when an alternate funeral plan provider cannot be found).

In the unlikely event that our business fails, the insolvency practitioner will seek to make arrangements with a third-party funeral plan provider to transfer your plan to ensure that your funeral can still be provided when you die on terms corresponding, in all material aspects, to your funeral plan. However, if this is not possible, you (or your next of kin if you have died) will have a legal right to claim your monies back from Royal London direct. As such, by purchasing this funeral plan, you consent to your funeral plan being transferred to another funeral plan provider on the same terms in the event that our business fails.

If a transfer of your plan to another provider or return of your monies is not possible, you will be entitled to compensation under the Financial Services Compensation Scheme (“FSCS”).

Financial Services Compensation Scheme

The funeral plan is protected by the Financial Services Compensation Scheme (FSCS). The FSCS is a body, funded by the financial services industry, providing automatic protection if Co-op Funeral Plans Limited goes out of business. You can find more details on the FSCS website, www.fscs.org.uk by emailing enquiries@fscs.org.uk or by phoning the FSCS on 0800 678 1100 or 0207 741 4100.

If spreading the cost over 6 or 12 months, the person arranging your funeral will need to pay the balance so that our funeral director can deliver your plan, or the plan can be cancelled and we will return your payments.

If paying in instalments over 2–25 years and you die after 12 months, as long as your payments are up to date, we won’t collect the outstanding balance on your plan and our funeral director can deliver your plan. However, if your payments are not up to date, the person arranging your funeral will need to pay those missing payments before the funeral can be provided.

If you die within 12 months of purchasing your plan (and your death wasn’t an accident) and your payments are up to date, the person arranging your funeral can choose to pay the balance so that we can provide your funeral; or they can choose not to pay the balance and we’ll cancel your plan and return your payments.

If you die within 12 months and your death was as a result of an accident, we will provide your funeral. However, if your payments are not up to date, the person arranging your funeral will need to pay those missing payments before the funeral can be provided.

No, you can't buy a memorial headstone in advance. However, this can be arranged by your representative when the time comes to make your funeral arrangements. The funeral director will be able to help with this.

Your representative making the arrangements may wish to include additional items in your funeral that aren't part of your plan. These could include floral tributes, additional limousines, newspaper notices etc. The funeral director can help to arrange these and they'll need to be paid for in full before the funeral takes place.

If you've chosen a Simple or Bronze funeral plan and the costs for defined third party fees total more than what’s included in the plan, then your representative will need to pay the difference.

If you've chosen a cremation plan, doctors’ fees may be applicable at the time of the funeral. Doctors’ fees apply in England and Wales when the death has not been referred to the Coroner. Therefore this may be an additional cost.

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 2–25 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.

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 2-25 years, the total amount you will pay over the term including the instalment charge.

There's no administration charge for making changes, but before we make any changes to your plan, we'll ask you some simple questions to make sure that the new plan meets your needs.

We outline all of the potential change scenarios and how this may affect your plan in our terms and conditions. Please contact us if you want to make any changes and we can talk this through with you. Please note you can only change your payment term once per year.

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.

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 here. 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.

As a Co-op Member, you benefit from exclusive member prices when you purchase a funeral plan with us.

Plus we’ll give £2 for every hundred pounds spent to community causes.

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.

A membership that makes a difference

Co-op Members benefit from exclusive member prices when buying a funeral plan with us. Plus, we’ll give £2 for every hundred pounds spent to community causes.

Find out more