Key features

In this section

  • Who will be providing my funeral?

    Your funeral will be carried out by East of England Co-op Funeral Services, part of the independent East of England Co-operative Society.

  • Which services will be covered by my funeral plan?

    All our funeral plans are guaranteed to cover the costs of the funeral services specified in your plan paperwork. This excludes the purchase of a burial plot for burial plans. If you arrange a Bespoke Plan, you can choose the services you want the plan to cover and record the price and details on your application form. If you choose a Bespoke Plan that excludes third party disbursements, these costs will be payable at the time of the funeral.

  • Will there be anything else to pay at the time of the funeral?

    No, there will be nothing more to pay for the services included in your plan, as long as we carry out your funeral and your requirements don’t change. If you choose a burial, the next question contains important information on exclusive rights to grave or plot costs

    At the time of the funeral any requests for additional services or personal touches not included in your plan will need to be paid for e.g. floral displays, service sheets, newspaper announcements or if the person arranging the funeral wants it to take place during a weekend or on a Bank Holiday.

  • If I arrange a funeral plan for burial, do I also need to purchase a grave or plot?

    Yes, if you chose a burial you will need to purchase exclusive rights to a grave or plot. Your Funeral Arranger can give you information on the cost and availability of graves in your local area. Not all local authorities, churchyards or cemeteries allow graves or plots to be purchased in advance.

  • Are there any age restrictions on purchasing a pre-paid funeral plan?

    Our plans are available to purchase by anyone aged 18 or over. You can buy a plan on behalf of anyone regardless of their age.

  • Do I need a medical to buy a funeral plan?

    No, there is no medical restriction on taking out a funeral plan; we guarantee we will accept you – no matter what your age or state of health.

  • Can I take a funeral plan out for somebody else?

    Yes, all of our plans and payment options allow you to buy a plan for someone else.

  • Can I buy one funeral plan for the funeral of either myself or my partner?

    Yes, two people can be named on the application form, and the plan can be set up for either the first or the second funeral..


  • How will the person arranging my funeral know what to do when the time comes?

    When you purchase a plan, you will receive a certificate that provides details of the plan you have purchased. The certificate provides details of our 24 hour careline 0800 0744 362. You should keep your certificate safe and let your next of kin know where it's kept.

  • Can I include my personal requests in my funeral plan? (excludes Without Ceremony Plan)

    Yes, our plans are designed to record your personal requests such as where you would like the funeral service to take place, your choice of music, where to send any charitable donations and where cremated remains, known as ashes, should be laid to rest. At the time of funeral, the Funeral Arranger and the person arranging the funeral will be provided with details of all of your requests and wishes. We'll work closely with the person arranging the funeral to make sure you are remembered in the way you want to be.

  • What personal touches can be arranged at the time of the funeral? (excludes Without Ceremony Plan)

    The person arranging the funeral may wish to include further services such as floral displays, additional limousines, newspaper notices, burial or interment of cremated remains which are not included in the costs of your plan. Your Funeral Arranger can help to organise these additional services, they will need to be paid for at the time of the funeral.

  • How can I pay for my funeral plan?

    You have a choice around how you pay for your plan. You can choose to pay in full or by instalments across 1, 2, 3, 4 or 5 years.

    Additional instalment terms and conditions apply.

  • How can I purchase a funeral plan?

    You can contact your local East of England Co-op Funeral Services branch, where the team can help you complete an application form or you can purchase online via our website.

  • What happens if the plan holder (or nominee) dies before all plan instalments have been paid?

    If the plan is needed before you've completed your instalments, the payments you have made will be used as a contribution to your funeral and your wishes will be clearly documented, giving your family peace of mind.

  • What happens if I stop paying for my plan?

    If you choose to pay monthly and you wish to stop paying for any reason, you can either cancel the plan and receive a refund of the money you have paid excluding the administration fee, or you can leave what you have paid in the plan to be used as a contribution to your funeral when the time comes.

  • What happens if I move?

    If you move away we should be able to transfer your plan to a funeral director near your new home. However there may be additional costs depending on the firm selected and local prices. Please refer to the Terms and Conditions for details. If you move overseas, we recommend you to take out insurance to cover the costs of repatriation, should you die abroad. We can assist with arranging repatriation although the cost for this service is not included in any of our plans.

  • Can I change my mind and cancel my plan?

    Yes, you can cancel your plan at any time prior to a claim being made. If you cancel within the cancellation period, the person who paid for the plan will receive a full refund. If you cancel after the cancellation period, the person who paid for the plan will receive a refund of the original amount paid, minus the administration fee.

  • Can I change my plan or arrangements?

    Yes, you can contact us to amend or upgrade to another plan at any time, however you will need to pay for any additional services you request. There is no administration charge for making amendments.

  • What if East of England Co-op goes out of business? Is my money safe?

    Yes, your money is safe. Your funeral plan pre-payment is securely held by Ecclesiastical Planning Services, a trusted national provider. It is ring-fenced and cannot be used for anything else, for your peace of mind.

  • What happens if I have a dispute with the East of England Co-op Funeral Services?

    The East of England Co-operative Society is a registered provider with the Funeral Planning Authority (FPA) who also have arrangements for resolving disputes between customers and FPA registered providers. You can call the FPA on 0345 601 9619 or visit for more information.

  • What happens once I complete my funeral plan purchase?

    You'll be asked if you wish to receive your documentation by post or by email. We'll give you a copy of your application form, to keep for reference. This contains details of the full terms and conditions of your plan and your personal requests:

    • A copy of our pre-paid funeral plan brochure
    • Pre-paid funeral plans key features


    Separately we'll send you:

    • A covering letter with your plan number
    • An additional copy of your application form, to keep for reference. This contains details of the full terms and conditions of your plan and your personal requests
    • Your funeral plan certificate
  • Do I earn dividend points on funeral pre-paid plan purchases?

    Yes. Dividend points are earned on qualifying goods and services only. In our pre-paid funeral plans disbursements paid on your behalf, including fees for ministers, doctors' feed and the crematorium, do not qualify for dividend.

  • Do I earn dividend points on memorial voucher purchases?

    Yes. Dividend points are earned on qualifying goods and services.

  • When do I receive dividend points?

    Once you have paid in full for your funeral plan, the qualifying dividend points will be added to your membership account. Dividend is payable on transactions made during our previous financial year.

  • How many dividend points will I earn?

    You will receive 10 points for every qualifying £1 spent. To find out the current value of qualifying spend for your chosen funeral plan, ask at your local funeral branch or call our funeral plan advice line on 0800 0744 361.

The East of England Co-op will be able to answer any other questions you have about your plan. For further details call our funeral plan advice line on 0800 0744 361 (free from a landline, mobile charges may vary), Monday to Friday 9am to 5pm or email

Terms and conditions apply to funeral plans, please ask for details.