The plan covers the costs of the funeral services specified in your funeral plan paperwork, as long as your requirements don’t change and you don’t later choose a different Funeral Director. If you choose to use another Funeral Director or make changes to your plan, there may be additional costs to pay. Please refer to the Terms and Conditions for more information. 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 costs, these costs will be payable at the time of the funeral.

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.

UK residents aged 18 or over can take out a funeral plan. If paying by instalments of two years or more, payments must finish before your 85th birthday. There are no medical or health questions to answer.

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

You have the option to select a nominated representative who will also receive details of your funeral plan and what to do at the time of need.

Yes, our bespoke funeral plans can include 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 your plan. We'll work closely with your nominated representative to make sure you are remembered in the way you want to be.

If you have an instalment plan of two years or more, and the funeral plan is needed after 12 months, then the funeral will be carried out as long as the plan has not been cancelled and there are no missed payments.

If you move away, you should be able to transfer your plan to a Funeral Director near your new home if you wish. However there may be additional costs depending on the firm selected and local prices. Please note, not all Funeral Directors offer guaranteed plans. Please refer to the Terms and Conditions for details.

The plan does not cover the cost of a funeral abroad, or the cost of repatriating the deceased. You should consider this when travelling abroad, or if you move overseas. Most travel insurance policies should state whether repatriation is covered or not.