Why choose a plan with the Co-op?

With a Co-op funeral plan you can rest assured that your loved ones will be protected from future funeral costs and uncertainty about your wishes. Our plans are the best in the market, and here’s why.

Why choose a plan with the Co-op?

With a Co-op funeral plan you can rest assured that your loved ones will be protected from future funeral costs and uncertainty about your wishes. Our plans are the best in the market, and here’s why.

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

3 reasons to choose a Co-op plan

Guaranteed to cover all funeral costs

Taking out a pre-paid plan means you can pay and plan your funeral in advance. We’re open and transparent with what can be arranged so you have peace of mind knowing everything that has been paid for will be part of your funeral arrangements.

When the time comes your family won’t pay extra for anything included in your plan. This isn’t always the case with other providers, but we can guarantee it because we're not only the funeral plan provider but the funeral director as well.

Two children look at a garden with a woman pointing

Our Co-op commitment means no shortfalls

If you choose to pay for your funeral plan over a longer payment term, there is the risk that you could die before finishing the payments. If this were to happen, we'd make sure your family do not have to pay the shortfall.

Anyone paying for a funeral plan over 2-25 years is protected by our Co-op Commitment.^ This means if you’ve been paying into the plan for at least a year, but you die before finishing all the payments, we'll still honour your funeral plan.

Funeral procession through a field

5 star ratings

At the Co-op that we provide the best possible service at a competitive price. We don’t compromise on the quality of our plans and make sure we do the right thing by our customers. This has been recognised by independent financial experts.

We’ve been awarded 5-star ratings from Fairer Finance for our Silver and Gold Plans, and 5-stars from Defaqto for our Gold Plan. Moneynet agree that our funeral plans are the best as they named us Best Funeral Plan Provider for the third year running.

What is the Co-op commitment?

With our plans you have the option to pay in monthly payments of anywhere up to 25 years. This is a big commitment, and so we’ve made a commitment to you. Watch the video below to find out more.

None

As long as you’ve paid the plan for the first 12 months and are up to date with your payments, you’re covered by our Co-op Commitment. This means that we’ll still carry out all the services in your plan, with nothing more for your family to pay, even if you die before the plan is paid in full^.

*Price of £20.85 per month is based on a 50-year-old purchasing a Simple Funeral Plan at £3,295 over 25 years (total amount repayable £6,255.65). Our low-cost monthly payments give you a range of payment options, providing greater flexibility. With a choice of terms over 2 - 25 years you can spread the cost of paying for your funeral plan. 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.

^The Co-op Commitment applies if you are paying monthly over 2-25 years and 1 year has passed since the start date. 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.

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

Our awards and ratings

We believe we have the best funeral plans available and we’re not the only ones that think so. Here are the current industry awards and star ratings we’ve received from independent financial experts.

for the ratings block

Our Silver and Gold Funeral Plans have both received the coveted 5 Star Rating from Fairer Finance. In fact, out of all the funeral plans in the UK reviewed by Fairer Finance, only those that were offered by Co-op societies were rated 5 stars.

On the Fairer Finance website they state that their product ratings "aim to help customers compare on quality - helping them to make better, more informed decisions."

for the ratings block

For the third year running, our Gold Funeral Plan has been given a 5 Star Rating by Defaqto. Out of almost 100 funeral plans reviewed, only 7 received this top rating.

Defaqto's 60 experts work extensively in the Financial Services industry. Collectively they spend 400 hours a day monitoring more than 43,000 financial products and funds for any changes, ensuring their Star Ratings are always relevant and up to date.

Image of moneynet.co.uk award

Moneynet has recognised us as being the Best Funeral Plan Provider for the last 3 years. We provide excellent choice, value and innovation for customers.

They have awarded us the Triple Gold award for helping people get the most from their finances.

  • for the ratings block

    Our Silver and Gold Funeral Plans have both received the coveted 5 Star Rating from Fairer Finance. In fact, out of all the funeral plans in the UK reviewed by Fairer Finance, only those that were offered by Co-op societies were rated 5 stars.

    On the Fairer Finance website they state that their product ratings "aim to help customers compare on quality - helping them to make better, more informed decisions."

  • for the ratings block

    For the third year running, our Gold Funeral Plan has been given a 5 Star Rating by Defaqto. Out of almost 100 funeral plans reviewed, only 7 received this top rating.

    Defaqto's 60 experts work extensively in the Financial Services industry. Collectively they spend 400 hours a day monitoring more than 43,000 financial products and funds for any changes, ensuring their Star Ratings are always relevant and up to date.

  • Image of moneynet.co.uk award

    Moneynet has recognised us as being the Best Funeral Plan Provider for the last 3 years. We provide excellent choice, value and innovation for customers.

    They have awarded us the Triple Gold award for helping people get the most from their finances.

We are a complete funeral service provider

Unlike most funeral plan providers, we both plan and carry out your funeral, meaning you can be sure that every detail in your plan will be as you wanted. You can also be confident that a Co-op Funeral Director will be conducting your funeral, with all the care and high standards you would expect from us. Other plan providers may ask you to nominate an independent funeral director, but they can’t guarantee that they will be the ones carrying out the funeral.

View our funeral services
Order of service in the hands of family

Compare our plans against other providers

We promise to cover all the costs of the services included in your chosen plan, but some providers may not.

Compare our pre-paid funeral plans against other providers below, who like us, are members of the Funeral Planning Authority (FPA)

Co-op Golden Charter Dignity
Will the cost of my funeral be covered if I die before I complete my payments?
If you complete 12mths of payments you're covered by Co-op Commitment


If you complete 12mths of payments
Are all services included in my plan fully guaranteed* even if prices rise in the future?
If you complete 12mths of payments you're covered by Co-op Commitment


£1220 in third party costs (burial)
Can I choose my funeral director?
Choice of 
any Co-op funeral director

No guarantee the independent funeral director will accept a request to redeem a plan

Dignity appoint a funeral director. A restricted choice of 800 for a Limited plan
Is 24/7 collection from place of death included on all plans?
Yes

Select plans only

Collection mileage to place of care
50 miles

25 miles

50 miles
Are doctors’ fees included?


Will there be any cancellation charges if I cancel my plan?
£250 after 30 day cool off period

£249 after 30 day cool off period

£249 after 30 day cool off period
Fairer Finance rating
5 stars (Gold and Silver plans)

3 stars (Premier and Select plans)

4 stars (Amber, Diamond and Pearl plans)
Can I personalise my plan with hymns, songs and readings etc?
Just fill out a special wishes form and we’ll keep it with your plan for when the time comes


If I move to a different area, can I change my selected funeral director?
With our plans you have full flexibility to choose any of our funeral directors at no extra charge

You may be charged a fee if you want to change your selected funeral director

Will the cost of my funeral be covered if I die before I complete my payments?
Co-op
If you complete 12mths of payments you're covered by Co-op Commitment
Golden Charter
Dignity
If you complete 12mths of payments
Are all services included in my plan fully guaranteed* even if prices rise in the future?
Co-op
If you complete 12mths of payments you're covered by Co-op Commitment
Golden Charter
Dignity
£1220 in third party costs (burial)
Can I choose my funeral director?
Co-op
Choice of 
any Co-op funeral director
Golden Charter
No guarantee the independent funeral director will accept a request to redeem a plan
Dignity
Dignity appoint a funeral director. A restricted choice of 800 for a Limited plan
Is 24/7 collection from place of death included on all plans?
Co-op
Yes
Golden Charter
Select plans only
Dignity
Collection mileage to place of care
Co-op
50 miles
Golden Charter
25 miles
Dignity
50 miles
Are doctors’ fees included?
Co-op
Golden Charter
Dignity
Will there be any cancellation charges if I cancel my plan?
Co-op
£250 after 30 day cool off period
Golden Charter
£249 after 30 day cool off period
Dignity
£249 after 30 day cool off period
Fairer Finance rating
Co-op
5 stars (Gold and Silver plans)
Golden Charter
3 stars (Premier and Select plans)
Dignity
4 stars (Amber, Diamond and Pearl plans)
Can I personalise my plan with hymns, songs and readings etc?
Co-op
Just fill out a special wishes form and we’ll keep it with your plan for when the time comes
Golden Charter
Dignity
If I move to a different area, can I change my selected funeral director?
Co-op
With our plans you have full flexibility to choose any of our funeral directors at no extra charge
Golden Charter
You may be charged a fee if you want to change your selected funeral director
Dignity