Funeral plans in Scotland

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.

Funeral plans in Scotland

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.

If you’re looking to buy a pre-paid plan, follow these links below

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.

Our pre-paid funeral plans in Scotland

We have a range of funeral plans for you to choose from depending on what you’d like to be included.

Our fixed plans

We have 4 fixed funeral plans – Simple, Bronze, Silver and Gold – and we also offer tailor-made funeral plans.

Our fixed plans are called fixed because we’ve chosen the services included in each one, and these services can’t be changed. Have a look below to see what's included in each.

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

The services included in our fixed 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 fixed funeral plan you can do this online, over the phone, or by visiting your local Co-op funeral home.

Learn more about our fixed funeral plans

Tailor-made plans

Our tailor-made plans are completely bespoke, meaning you can include anything you want. This could be floral arrangements and newspaper notices, or a horse drawn hearse and extra limousines to take your family and friends to the funeral service. With a tailor-made plan there really is no end to what can be arranged.

Like our fixed plans, you can also make a note of any special wishes you have for the funeral, which we’ll keep with your plan for when the time comes.

Because tailor-made plans are completely bespoke, they can only be arranged by a Co-op funeral director in your area.

Learn more about our tailor-made funeral plans

Why choose a Co-op funeral plan?

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.

Our Co-op Commitment

When you take out a plan with us, we want you to have peace of mind that your family will be protected from funeral costs, no matter what happens. So, if you choose monthly payments over 2-25 years you will benefit from our Co-op Commitment.^

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.

You can buy a funeral plan in Scotland online, by calling our funeral planning team on 0800 088 4883 or in person at your local funeral home.

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.

Funeral plan calculator
Image of a smartphone calculator

*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.