Award-winning funeral plans
Pay for and plan your funeral in advance. Get a price today for a funeral in the future.
*based on a 60 year old paying for a Direct Cremation Plan over 5 years.
Unattended
£1,700
Co-op Member price £1,675
No funeral service that people attend
Cremation only
Basic coffin
No limousine
No cortege
No choice of date, time and location of funeral
Fully guaranteed to cover all crematorium fees
Attended
£2,995
Co-op Member price £2,920
Funeral service that people can attend
Cremation or burial
Basic coffin
No limousine
Fixed cortege route
Restricted date, time and location
Capped contribution of up to £850 towards third party fees.
Attended
£3,685
Co-op Member price £3,560
Funeral service that people can attend
Cremation or burial
Wood effect coffin
No limousine
Fixed cortege route
Restricted date, time and location
Capped contribution of up to £1,000 towards third party fees. We guarantee to pay the cremation fee.
Attended
£3,975
Co-op Member price £3,850
Funeral service that people can attend
Cremation or burial
Wood effect coffin
One limousine
Flexible cortege route
Mutual agreement on date and time
Fully guaranteed to cover all third party fees
Attended
£4,160
Co-op Member price £4,035
Funeral service that people can attend
Cremation or burial
Wood veneer coffin
Two limousines
Flexible cortege route
Mutual agreement on date and time
Fully guaranteed to cover all third party fees
Compare our funeral plans in more detail.
Co-op Funeral Plans Limited is authorised and regulated by the Financial Conduct Authority to sell and manage funeral plans.
If you're ready to buy online
If you'd prefer to speak to someone call 0808 303 2076
We offer a choice of 5 award-winning funeral plans, so you can choose the one that’s right for you and your budget. Our brochure explains in detail what is and isn’t included in each plan, as well as the different payment options available.
A pre-paid funeral plan is an easy way to arrange and pay for your funeral in advance. It means whoever arranges your funeral knows everything is taken care of, giving you extra peace-of-mind. You can also choose how you want to be remembered.
How our funeral plans work
Choose and buy the right funeral plan for you.
We send out your pack that includes a plan summary, two 'care cards', a funeral wishes form and our terms and conditions.
If you choose a 'nominated person' they will also receive a copy of your plan.
You can fill in the funeral wishes form, return it to us and we will keep it safe.
Give a 'care card', that has your name and plan number on, to whoever is most likely to arrange your funeral.
When you die, they contact Co-op and we help them arrange everything.
Co-op Members get exclusive member prices when they buy a funeral plan with us. They help us support local communities, too.
Members save:
Our Members also save money across Co-op food stores, legal services and insurance.
Capped plans: Simple and Bronze
These plans include a capped amount towards third party fees.
If the fees rise above the capped amount we give, the balance must be paid by the person arranging the funeral.
The value of this capped contribution will rise in line with inflation each year.
Guaranteed plans: Direct Cremation, Silver and Gold
These plans guarantee that all third party fees will be paid, no matter how much they might rise in the future.
Third party fees are charges for services not provided by a funeral director but that must be paid before the funeral can take place.
We do not have control over these costs or how much they could rise in the future. For cremation these fees include:
For burial these fees include:
None of our funeral plans include the cost of buying a burial plot.
What third party fees cost today
We cannot predict what third party fees will cost in the future. Our funeral cost calculator can help you understand what they cost today.
You can pay for your funeral plan in 3 different ways:
With a Co-op Funeralcare plan, you can be confident that your money is protected and your funeral will be provided when the time comes.
To make sure your money is safe and always protected, after deducting the administration fee, 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 the unlikely event that our business fails, we would seek to make arrangements with another funeral plan provider to transfer your plan to make sure that your funeral can still be provided when you die on the same terms as the plan you have bought from us. 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 may be entitled to compensation under the Financial Services Compensation Scheme (“FSCS”). Further information about the FSCS compensation scheme arrangement is available at www.fscs.org.uk, by emailing enquiries@fscs.org.uk or by phoning the FSCS on 0800 678 1100 or 0207 741 4100.
You can cancel your plan at any time by calling us or filling in our online plan cancellation form.
If you choose to pay in full or you are paying by monthly payments over 6 or 12 months and cancel within 30 days of purchasing your plan, we’ll provide a full refund of all payments made (including any deposit). If you cancel after 30 days, we’ll refund the payments you’ve made (including any deposit) but deduct our £125 cancellation fee.
If you choose to pay by monthly instalments and you cancel within 12 months of purchasing your plan, we’ll provide a full refund of all payments made (including any deposit). If you cancel after 12 months, we’ll refund the payments you’ve made (including any deposit) but deduct our £125 cancellation fee.
If spreading the cost over 6 or 12 months, the person arranging your funeral will need to pay the balance so that our funeral director can deliver your plan, or the plan can be cancelled, and we will return your payments.
If paying in monthly instalments and you die after 12 months, as long as your payments are up to date, we won’t collect the outstanding balance on your plan and our funeral director can deliver your plan. However, if your payments are not up to date, the person arranging your funeral will need to pay those missing payments before the funeral can be provided.
If you die within 12 months of purchasing your plan (and your death wasn’t an accident) and your payments are up to date, the person arranging your funeral can choose to pay the balance so that we can provide your funeral; or they can choose not to pay the balance and we’ll cancel your plan and return your payments.
If you die within 12 months and your death was as a result of an accident, we will provide your funeral. However, if your payments are not up to date, the person arranging your funeral will need to pay those missing payments before the funeral can be provided.