Memorial headstone plans

Pay for your headstone in advance with a memorial headstone plan. You can buy this plan on its own or alongside a funeral plan.

Memorial headstone plans

Pay for your headstone in advance with a memorial headstone plan. You can buy this plan on its own or alongside a funeral plan.

Why choose a memorial headstone plan?

A headstone is a long-lasting, hand-crafted memorial, providing family and friends with a permanent place to reflect and remember. The average cost of a memorial headstone in 2020 was £1,187^, so you may find it worthwhile to plan and pay in advance.

A memorial headstone plan allows you to choose and pay for a headstone in advance, as well as the design and lettering you’d want on it. You can also arrange inscriptions on existing memorials.

Co-op memorial headstone plans

Experienced craftsmen design and prepare memorials, ensuring the highest quality in their finished work. If there is a memorial that you’d like, which isn’t featured on our website, we’ll be happy to check if the masons can produce it for you.

We’ll also check the local regulations around what type and size of memorials are allowed in your chosen churchyard or cemetery before you buy your plan. You can buy a memorial headstone plan on its own or alongside a funeral plan.

See our memorial headstone range

Fully guaranteed

Everything included in your memorial headstone plan is fully guaranteed, so there will be no more to pay when the time comes, even if prices rise. As prices and availability vary across the UK, none of our plans include the cost of a grave.

Payment options

You can pay for your memorial headstone plan in full or spread payments over 6 or 12 months with no additional costs. If you choose monthly payments, a minimum deposit of £99 is required. You can pay a bigger deposit if you'd like to lower the monthly costs.

Contact us to arrange your memorial headstone plan

To arrange your memorial headstone plan, contact your local funeral director. You can choose to visit one of our funeral homes or you can buy your plan over the phone. If you’d like to find out more, ask us a question by using the live chat, send us an email or fill in our enquiry form and someone will call you back.

Your local funeral director will guide you through your options and let you know how much your plan will cost based on the choices you make.

Once you’ve bought your plan, you’ll receive your plan documents in the post. This will contain 2 plan summaries outlining everything that’s included, as well as some cards with your plan details on. You should give one set of these to the person who is most likely to be arranging your memorial headstone.

Find your local funeral home

Enter your town or postcode to find a Co-op funeral home near you.

Some common questions

A memorial headstone plan allows you to design and buy a new headstone or arrange inscriptions on existing headstones in advance.

Your plan can also include:

  • erecting and fixing of new memorials
  • cleaning and refixing existing memorials

As prices vary across the UK, a memorial headstone plan does not include the cost of buying a burial plot.

The cemetery or graveyard will have rules on what kind of memorials are allowed. For example, the type and size of stone that can be used, which can change over time.

We can only provide your chosen memorial in line with rules that apply at the time the memorial is ordered. This will be after your funeral.

Your Co-op funeral director will ask for details of the grave when the memorial headstone plan is arranged. If you haven’t bought a grave, we can’t guarantee that the chosen memorial can be placed in your chosen location.

If we can’t provide your memorial, we can cancel the plan and give back the money to you (or your representative) but we’ll charge £100 for cancelling.

View all our frequently asked questions
Explore our fixed funeral plans

Simple

Our lowest cost plan that covers the essentials needed for a funeral.

Pay £3,095 in full, or in monthly payments from £18.96 per month*

  • Includes a contribution of £950 to help cover defined third party costs
  • Available for burial and cremation

Bronze

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

Pay £3,595 in full, or in monthly payments from £22.13 per month*

  • Includes a contribution of £1,100 to help cover defined third party costs (cremation fees are guaranteed)
  • Available for burial and cremation

Silver

Our most popular plan that gives your loved ones flexibility with the funeral arrangements.

Pay £3,995 in full, or in monthly payments from £24.65 per month*

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

Gold

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

Pay £4,295 in full, or in monthly payments from £26.55 per month*

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

^Average cost based on our masonry sales in 2020

*Price of £18.96 per month is based on a 50-year-old purchasing a Simple Funeral Plan at £3,095 over 25 years (total amount repayable £5789.32), 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.