Cremation Insurance

Cremation insurance from Perfect Funeral Plans offers a way to plan for your afterlife and save yourself from the rising costs of funerals. Cremations are becoming more popular in the UK, year-on-year, giving people more control over where they can spread the ashes but mostly because it is significantly cheaper than your average funeral.

Perfect Funeral Plans works with a number of leading cremation plan providers, help you choose the best payment plan and add-ons, such as flowers, a funeral director and transportation. Purchase cremation insurance today from just £15 per month.

 

What Does A Cremation Insurance Policy Cover?

In much the same respect as other types of insurance, the exact details of any cremation insurance policy cover will vary, dependent on your needs. When applying with Perfect Funeral Plans, it is important to check exactly what your policy covers to ensure that all your needs for a cremation service are covered. However,  cremation insurance can include any of the following:

  • Supplying a coffin
  • Costs for attending any funeral arrangements
  • Robe and fittings
  • Any confidential advice provided on personal matters
  • The transportation of the deceased to a designated funeral home in the country
  • Providing a hearse in order to get to the crematorium or cemetery, or another type of suitable vehicle in order to attend the service
  • Covering the costs of a funeral director
  • Costs of a cremation or doctor’s fees if applicable

Costs that may not be included could be additional flowers or an obituary notice, so it is important to check the small print of any cremation insurance policy taken out to see if it meets your personal requirements.

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What is Cremation Insurance From Perfect Funeral Plans?

Cremation insurance is a life insurance policy (it may also be included in an over 50’s policy) which is intended to cover the cost of cremation or memorial services when you have passed away. This sum is usually paid out immediately upon death.

By planning ahead and taking out cremation insurance, this can help not only give you peace of mind that you will have the services that best fit you, but you can also be reassured that loved ones will not have to worry about the final costs of a cremation service too.

 

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How Much Do Cremations Cost?

Cremations typically cost around £1,600 (£3,200 including a funeral director and ceremony). This is because you save a lot of money on things like embalming, a coffin, hearse vehicle and tombstone – which are some of the largest expenses associated with a funeral.

Perfect Funeral Plans offers the chance to prepare for this cost, so you do not leave the burden on your family and you save the potential rise in costs – which are currently rising faster than inflation. Cremation insurance is available online today from just £15 per month.

What If I Can’t Afford Cremation Insurance?

As it has been previously mentioned, the costs of funeral services in the UK can end up becoming very expensive. In fact, between 2004 and 2013 the price of a funeral service had risen by over 80 per cent. If you are struggling to pay for a funeral there are other alternatives. The hospital or the local authority may help to arrange a Public Health Funeral in the event of there being:

  • No family members or friends who can help to organise and pay for the funeral.
  • There are not enough funds in the estate to pay for a funeral service.

If you are on a very low income or if you receive benefits, the Department for Work and Pensions (DWP) may be able to help cover costs associated with the cremation process. This is usually in the form of a Funeral Expenses Payment. it is not necessarily the case that this payment will be able to cover all the fees involved with a cremation service, however, it can help with some of the following such as:

  • Transportation costs for the deceased
  • Death certificates
  • Cremation service costs
  • Costs for attending funeral service

If you believe you may qualify for the government scheme, you can apply online or by post through downloading the form on the GOV.UK website.  You can also find out further details about eligibility and documentation you will need. Any application must be made within three months of the date of the funeral.

Compare Cremation Insurance Quotes With Perfect Funeral Plans

With so many cremation insurance policies to choose from online, the choice can end up overwhelming when it is already a stressful decision to make. However, to make things easier, why not compare cremation insurance costs with us?

Perfect Funeral Plans will provide you with a series of quotes from some of the UK’s best funeral insurance providers. We take into consideration how stressful making funeral service decisions can be, and so our process has been made as easy and straightforward as it can possibly be. Apply  today and we can help give you the peace of mind on your funeral plans that you have been looking for. Contact us for more information.