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

Buy a plan Request a callback Call our funeral planning team on 0800 088 4883

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 funeral plans

We have 4 funeral plans – Simple, Bronze, Silver and Gold.

Have a look below to see what's included in each.

A summary of our Simple Plan

Base price £3,225

Pay in full, spread the cost over 6 or 12 months, or pay in monthly instalments over 2 to 25 years

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

Co-op members save £75

  • Available for burial and cremation
  • Includes a contribution of £850 to help cover defined third party costs

A summary of our Bronze Plan

Base price £3,735

Pay in full, spread the cost over 6 or 12 months, or pay in monthly instalments over 2 to 25 years

Our plan that covers cremation fees, no matter how much prices rise

Co-op members save £125

  • Available for burial and cremation
  • Includes a contribution of £1,000 towards defined third party fees (cremation fees are guaranteed)

A summary of our Silver Plan

Base price £4,150

Pay in full, spread the cost over 6 or 12 months, or pay in monthly instalments over 2 to 25 years

Our fully guaranteed plan that gives flexibility with the funeral arrangements.

Co-op members save £125

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

A summary of our Gold Plan

Base price £4,460

Pay in full, spread the cost over 6 or 12 months, or pay in monthly instalments over 2 to 25 years

Our fully guaranteed plan with 5-star ratings from Fairer Finance and Defaqto 4 years running.

Co-op members save £125

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

The services included in our 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 fixed 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.

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 0800 088 4883 or in person at your local funeral home.

More about funeral plan costs

Spread the cost over 6 or 12 months with no additional costs or monthly payments over 2–25 years. 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.

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*Price of £19.79 per month is based on a 50-year-old purchasing a Simple Funeral Plan at £3,225 over 25 years (total amount repayable £6,036.42), 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.

**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.