Funeral Pre-Payment Plans

We are proud to be able to offer Funeral Pre-Payment Plans from Co-operative Funeralcare, the largest Funeral Director in the UK with over 600 branches nationwide.

The Co-operative Group is the largest consumer co-operative business in the world, with a well-known and respected funeral service. Co-operative Funeralcare conducts over 80,000 funerals each year and sells over 15,000 Funeral Pre-Payment Plans.

They are one of only two national funeral providers who conduct all the funerals of the plans they sell (as opposed to sub-contracting the funeral). This ensures that they control every aspect of the funeral and guarantee to meet the needs of clients.

The Funeral Pre-Payment Plan can help reduce the emotional and financial burdens from relatives and friends. It is a simple way of providing for the cost of your funeral in advance, and at the same time making sure your specific wishes are observed in every detail. There are no hidden extras, no medical is required and there is no upper age limit.

Why purchase a Funeral Pre-Payment Plan from Co-operative Funeralcare?

• Peace of mind - from knowing all the arrangements are made and relatives will not be faced with making choices at a difficult time

• Choice - of the plan that best meets your needs based on three cremation plans and a bespoke option for burials

• Guarantee of nothing more to pay - regardless of rising funeral costs Co-op Funeralcare guarantee that there will be nothing more to pay, except in certain circumstances, for example changes in the law

• Guaranteed acceptance - no medical required and no upper age limit (minimum age 18)

• Security - client funds are held securely in insurance policies with the UK's leading insurance provider

• Reassurance - that the funeral will be conducted by any chosen Co-operative Funeralcare funeral director

• Portability - nearly 600 funeral homes nationwide

• Heritage - over 100 years experience of meeting the needs of the bereaved

The Plans

Co-operative Funeralcare's Funeral Pre-Payment Plans are as follows:

Cremation

You can choose from one of the three set plans (or from the tailor-made plan - see below). The Set Cremation Plans allow you to pay for your funeral at today's prices. Then when the time comes, your wishes are automatically carried out on your behalf, and at the original cost despite any inflationary price increases which may have occurred.

The costs and services offered in each of the three set cremation plans are summarised below:

Burial

The tailor-made plan provides choices for burials - see below.

Tailor-made Plan

The tailor-made plan allows you to personalise your funeral according to your own needs. Whatever your choices, be it burial or cremation, which church or piece of music you would like or whether you would like extra touches like a release of doves or a woodland burial, the Funeral Pre-Payment Plan can accommodate all of these. To discuss a tailor-made plan, please telephone us on 08700 272 390.

Frequently Asked Questions

• Can my arrangements be altered or cancelled?
  Yes, your Funeral Pre-Payment Plan may be changed or cancelled only by you, with Co-operative Funeralcare's consent, at any time. For cancellations more than 14 days after taking out the Plan there is a £90 cancellation fee; except for this all payments will be refunded. It may be necessary to charge for any changes.




• Will there be anything extra to pay at the time of the funeral?
  Normally, for a Set Cremation Plan, there will be nothing further to pay. However, in certain circumstances, e.g. changes in the law, additional charges may arise.




• Who provides the funeral?
  The funeral will be provided by the Co-operative Group, the UK's largest Funeral Director, or a reputable agent approved by the Co-operative Group.




• What happens when death occurs?
  Your next of kin or representative should contact the Co-operative Funeralcare Service Centre at the address printed on your Certificate. Alternatively, contact your nearest Co-operative Group Funeral Director. Co-operative Funeralcare will require the death certificate, the registrar's certificate and the Plan certificate.




• Is the price I have paid guaranteed against inflation?
  Yes, providing your Set Cremation Plan has not changed, the costs of the funeral will not be affected by inflation. In the case of Burial or Cremation under a Tailor-made Plan, Co-operative Funeralcare guarantee to cover an increase in the cost of Disbursements up to 40%. Any excess would become payable by you or your representatives.




• What steps will be taken to ensure delivery of the funeral?
  In order that Co-operative Funeralcare may deliver their obligations to you, all Funeral Plan monies paid to Co-operative Funeralcare are held securely by CIS (Co-operative Insurance Society Ltd).




• What happens if death occurs before I have paid for my Selected Plan?
  The outstanding monies can be paid as a lump sum at the time of arranging the funeral.




• What happens if death occurs abroad?
  The Co-operative Funeralcare Funeral Pre-Payment Plan only covers the costs of a funeral in the UK. It does not cover the costs associated with repatriating the deceased. However this can be arranged separately with Co-operative Funeralcare's repatriation specialists.




• When will my certificate be issued?
  Certificates and welcome packs are sent out when full payment of your selected plan is made.
  
  
  

The following documents can be downloaded and printed:

You will need Adobe Acrobat to open these files - if you do not have this and would like to download it, click here.

Co-operative Funeralcare Funeral Pre-Payment Plan Brochure - PDF

Funeral Pre-Payment Plan Terms and Conditions - PDF

Funeral Pre-Payment Plan Application Form - PDF

Applying for a Co-operative Funeralcare Funeral Pre-Payment Plan

You can apply for a Plan by:

1. Printing out the Application form and completing it as below:

• Ensure that you have opened and read the Terms & Conditions (pdf)

• Open the Application Form (pdf) and print it

• Complete the Application Form, taking note of the following:

• Section 1 - include your personal details, ensuring that the date of birth is recorded

• Section 2 - must be completed if the applicant is taking out a plan for someone else's benefit (a 'nominee')

• Section 3 - indicate the plan selected and cost

• Section 4 - Method of Payment - indicate if payment is by cheque, credit or debit card and ensure that you sign this section if paying by credit or debit card

• Section 5 - you may make special requests regarding your funeral service. As the three cremation plans are 'standard package' products, these requests should relate to fairly straight forward things such as the playing of a particular piece of music or reading of a certain poem. You may specify in this section which Co-operative Funeralcare funeral home you would prefer to conduct the service. However, Funeralcare reserve the right to impose a mileage charge if your choice in this respect results in the deceased having to be transported more than 20 miles

• Declaration - you must read the product terms and conditions and sign to confirm your acceptance of these

• Finally - post the completed form to the following address:

2. Or, if you prefer, we can send you a brochure and application form in the post. Simply complete your details in the following form and click "submit" to email your request to us: