FAQs

Who are Perfect Funeral Plans?

Perfect Funeral Plans is an independent comparison service that helps individuals to find the most suitable funeral plan and policy for them that fits their personal requirements. We work alongside some of the leading funeral plan providers, enabling you to find the best rates available in the UK, and receive a competitive quote, and we do not take any upfront fees for our service so can compare options without any additional stress involved.

How does a prepaid funeral plan work?

Taking out a funeral plan means that you can take out a policy’s frozen at today’s prices, even if the policy is taken out 20 or 30 years from now. A plan allows you to pay in small amounts each month, or alternatively in one lump sum. This plan will be able to cover things such as a religious service as well as transport, burial or cremation costs.

Why should I take out a funeral plan?

The loss of a loved one is always a tremendously stressful life experience, however, it can be made worse if having to deal with the financial burden of a funeral. Funeral costs are rising year-on-year, with an average funeral currently costing between £3,000 and £4,300, without including any additional services.  However, having a funeral plan in place can mean that they receive both the service they wanted, and the cost of insurance policy for a funeral will be fixed at today’s prices.

What is included in a funeral plan?

Whilst costs do depend on the exact funeral plan policy you choose, it can include the following:

  • Funeral Director’s costs
  • Cremation fees
  • Coffin
  • Transport to and from the funeral service
  • Minister’s fees
  • Coffin
  • Cost of a limousine vehicle or Hertz

How much does a funeral plan cost?

A funeral plan will cost around £3,000 to £4,300. With a pre-paid funeral plan you have the option of paying in monthly instalments, this starts from around £25 a month. Most pre-paid funeral plans also offer the option of paying all at once.

Does it cover everything?

(no, depends on the plan you purchase, sometimes there are additional fees if you want more things e.g flowers, bigger coffin etc)

Is a funeral plan safe?

Yes, when you take out a funeral plan policy, the plan is protected by the provider. Your provider places your contributions into the funeral plan into a trust fund or invests it into a policy that becomes payable once the policyholder has passed away.

The Financial Conduct Authority also regulates providers. This is through the Funeral Planning Authority, which is the official governing body for funeral providers, and they have to adhere to the code of conduct that is set in place.

Can anyone take out a funeral plan?

You can take out a prepaid funeral plan for yourself, a parent or other family member or partner if they are 50 or over.

What happens if I stop paying for my plan?

This depends on the individual policy plan. Many prepaid funeral plans will not pay out in the event of death if you stop paying into the policy. It is important to check with your insurance provider first if this is a concern for you.

What if my plan provider goes bankrupt?

As part of the Funeral Planning Authority (FPA) code of conduct, all FPA members, as well as the authority itself, pledge that in the event of a provider going bankrupt, they will look into paying for funerals covered by funeral insurance policies.

Do plans apply for cremation?

Yes, different insurance policies will cover slightly different things in their individual cremation plans. As a result, it is important to check the small print of any cremation insurance taken out to ensure it meets your requirements. A cremation can include the following:

  • Costs for attending the funeral
  • Confidential advice on the cremation service
  • Supplying a coffin
  • Costs of a cremation as well as doctor’s fees