Why choose a plan with the Co-op?
With many funeral plan providers to choose from, there are so many reasons why you should choose Co-op Funeralcare.
You can pay for a funeral plan in full, spread the cost over 6 or 12 months with no additional fees, or choose monthly instalments over 2 to 25 years. Or 2 to 5 years for a Direct Cremation Plan.
If you choose to pay in instalments, you'll pay less in instalment charges overall with the Co-op than with some funeral providers. For example, a direct cremation plan for a 60 year old paid over 5 years is £943.28 cheaper with the Co-op than with Pure Cremation.
We have funeral homes across the country and we will carry out the funeral ourselves. Other plan providers might ask you to nominate an independent funeral director, but they can’t guarantee that they will be the ones carrying out the funeral.
An experienced and caring Co-op funeral director will conduct your funeral, guaranteeing all the care and high standards you would expect from us.
We’ve been awarded 5-star ratings from Defaqto for our Gold Plan, and Moneynet agree that our funeral plans are the best, as they named us Best Funeral Plan Provider for the 9th year running.
Plus there are thousands of reviews on Trustpilot, rating Co-op Funeralcare as ‘excellent’.
Co-op Members can save up to £300 when buying a funeral plan with us. They help us support local communities, too.
Whenever you spend money with the Co-op, you're helping us help local communities. Since 2016, our Members have raised more than £107M that has helped over 36,000 local causes across the UK.
How our funeral plans work
You choose your plan
Select the plan that best suits your needs, budget and funeral wishes
Pay your way Pay in full, over 6-12 months interest free or over 2 to 25 years with lower instalment fees.
Tell people you have a funeral plan You’ll be sent two copies of your funeral plan. Share a copy with someone you trust.
We take care of everything When the time comes, we'll handle all the arrangements and look after your family, just as you planned.
To ensure your money is safe and protected at all times, after an administration fee of up to £465 of each payment made to meet our initial costs of selling and arranging your plan, we invest the remaining amount required to pay for your funeral into an individual whole of life insurance policy with The Royal London Mutual Insurance Society Limited (“Royal London”).
In accordance with regulatory requirements, we have arrangements in place with Royal London to ensure this invested money will only be released in the following circumstances:
In the unlikely event that our business fails, the insolvency practitioner will seek to make arrangements with a third-party funeral plan provider to transfer your plan to ensure that your funeral can still be provided when you die on terms corresponding, in all material aspects, to your funeral plan. However, if this is not possible, you (or your next of kin if you have died) will have a legal right to claim your monies back from Royal London direct. As such, by purchasing this funeral plan, you consent to your funeral plan being transferred to another funeral plan provider on the same terms in the event that our business fails.
If a transfer of your plan to another provider or return of your monies is not possible, you will be entitled to compensation under the Financial Services Compensation Scheme (“FSCS”).
Financial Services Compensation Scheme
The funeral plan is protected by the Financial Services Compensation Scheme (FSCS). The FSCS is a body, funded by the financial services industry, providing automatic protection if Co-op Funeral Plans Limited goes out of business. You can find more details on the FSCS website, www.fscs.org.uk by emailing enquiries@fscs.org.uk or by phoning the FSCS on 0800 678 1100 or 0207 741 4100.
Your plan stays with you, not a specific funeral home. If you move within the UK or your circumstances change, we can update your details and make reasonable changes to your plan so it continues to reflect your wishes.
Yes. Your money is protected and held in line with funeral plan regulations. It is set aside to help ensure your funeral plan can be delivered when the time comes, providing reassurance for you and your family.
If you die abroad, your funeral plan can still be used. Your family or representative would need to arrange for your return to the UK, and once you are back, we will carry out the funeral arrangements as set out in your plan.
Yes. You can record your wishes and personalise your funeral plan in ways that are meaningful to you. Your funeral director will talk you through the options available and explain what can be included.
All plans could have extra costs at the time of your funeral. These could include:
If you're ready to buy online
If you'd prefer to speak to someone call 0808 303 2076
