Whether you’re looking to protect your family from future funeral costs, or just want to make sure your funeral wishes are known, taking out a pre-paid funeral plan could be the right choice for you.
Whether you’re looking to protect your family from future funeral costs, or just want to make sure your funeral wishes are known, taking out a pre-paid funeral plan could be the right choice for you.
You can buy a funeral plan in Scotland and choose all the details of your funeral in advance. You can make the big decisions on whether you want to be buried or cremated, to the choice of music and flowers, and everything in-between.
We have a range of funeral plans for you to choose from depending on what you’d like to be included.
We have 5 funeral plans – Simple, Bronze, Silver, Gold and Direct Cremation.
Have a look below to see what's included in each.
Unattended cremation
£1,700
Co-op Member price £1,650
Basic coffin
No limousine
No cortege
Our choice of date, time and location of funeral
Fully guaranteed to cover all crematorium fees
Attended
£2,995
Co-op Member price £2,920
Funeral service that people can attend
Cremation or burial
Basic coffin
No limousine
Fixed cortege route
Restricted date, time and location
Capped contribution of up to £850 towards third party fees.
Attended
£3,685
Co-op Member price £3,560
Funeral service that people can attend
Cremation or burial
Wood effect coffin
No limousine
Fixed cortege route
Restricted date, time and location
Capped contribution of up to £1,000 towards third party fees. We guarantee to pay the cremation fee.
Attended
£3,975
Co-op Member price £3,850
Funeral service that people can attend
Cremation or burial
Wood effect coffin
One limousine
Flexible cortege route
Mutual agreement on date and time
Fully guaranteed to cover all third party fees
Attended
£4,160
Co-op Member price £4,035
Funeral service that people can attend
Cremation or burial
Wood veneer coffin
Two limousines
Flexible cortege route
Mutual agreement on date and time
Fully guaranteed to cover all third party fees
The services included in our pre-paid plans, like the number of limousines or the type of coffin, can’t be changed, however, all of our funeral plans can be personalised by adding your special wishes. When you take out a plan with us, you can make a record of all your wishes, for example, any special music or requests for mourners to wear a certain colour at the funeral. We’ll keep your wishes with your plan and send them to your chosen Co-op funeral director when the time comes.
If you’d like to buy a funeral plan you can do this online, over the phone, or by visiting your local Co-op funeral home.
Learn more about our funeral plans
Taking out a funeral plan allows you to pay for your funeral in advance, meaning you’ll get the funeral you wanted whilst protecting your family from rising funeral costs and the emotional strain of wondering what you would’ve wanted.
We believe that our plans are the best funeral plans in Scotland, and this is why.
We offer a complete service
Many funeral plan providers act as a third party, meaning they sell the funeral plan to you, but your funeral will be carried out by a funeral director that is not owned by them. This means they can’t guarantee the funeral will be as you wanted because it won’t be them carrying it out. At the Co-op, we not only sell funeral plans but carry out the funeral as well, so we can guarantee that your funeral will be as you wanted.
Some providers may ask you to select a funeral director from a list they are affiliated with and there may even be a fee if you change your mind, but with our funeral plans you’re free to choose any of our funeral homes in Scotland. We have coverage across all counties in Scotland with over 100 funeral homes to choose from.
We have flexible payment options
Whether you want to pay up front or spread the cost with monthly payments, we can set up a payment term that works for you. Our monthly payment options allow you to choose a payment term of anywhere between 6 months and 25 years. If you choose to pay monthly, you’ll pay a minimum deposit of £99, but you can choose to pay a bigger deposit if you’d like to reduce your monthly payments.
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^.
You can buy a funeral plan in Scotland online, by calling our funeral planning team on 0808 303 2076 or in person at your local funeral home.
Spread the cost over 6 or 12 months with no additional costs, pay monthly payments over 2–25 years or 2-5 years for a Direct Cremation Plan. 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.
^If you choose to make monthly payments over 2 to 25 years, or 2 to 5 years for a Direct Cremation Plan, and die as a result of an accident within the first 12 months of your plan, we will deliver all services provided in your plan. If you die after 12 months, we will deliver all the services provided in your plan, even if you’ve not finished paying for it. All previous payments must be paid up to date and your funeral must be carried out by one of our approved funeral directors. See our terms and conditions.
