Who we are
We are Central Co-op Funeral Plans, part of the Central Co-op family and trusted for over 100 years.
We believe in doing things differently. We’re more than a business. We’re a co-op. That means we’re owned by our Members: the colleagues who work alongside us and our customers.
Our purpose goes beyond making profit. It’s about creating a sustainable Society for all.
Your funeral plan your way
Fully guaranteed plans, no hidden costs
Our plans guarantee the cremation or burial service, as well as third-party fees/charges and Funeral Director fees.
Protect against the unexpected
We'll carry out your funeral plan if you die in an accident, even if you've not finished paying for it.
Flexible options
Our plans aren’t set in stone, so if you change your mind, or face some unexpected challenges, we’ll do what we can to support you or find the right plan for you.
Why choose Central Co-op Funeral Plans?
Everything done by our own team:
From the first enquiry, to when the time comes for the final goodbye, we’ve full control and are with you every step of the way.
Safe and secure:
The money you pay towards your funeral plan is held safely until needed, in a life insurance policy backed by Royal London
Local arrangers:
We’re in your community and ready to help discuss your funeral plan needs
Face-to-face, telephone or online support:
However you prefer to chat, we’re here whenever you need us
Central Co-op Funeral Plans - what's included
What's included
- Crematorium fee (Cremation only)
- Minister or Officiant fee (if relevant)
- Gravedigger fee (burial only)
- In area single residence burial fee (burial only)
- Service location/church fee (burial only)
- 24-hour collection of Covered Individual into our care
- Collection into our care mileage (up to 50 miles)
- Vehicle (subject to plan)
- Care and preparation of Covered individual
- Funeral advice and support including legal and administrative arrangements
- Bereavement assistance via professional organisations
- Coffin (type subject to plan)
- Visiting during opening hours
- Ashes collection & up to 3 months storage (cremation plans only)
- Burial plaque (burial plans only)
What's not included
- Embalming
- Family wash and dress
- Flowers
- Wake / catering
- Newspaper notices
- The cost of memorials and headstones, including the repair, cleaning, re-fixing, or additional inscriptions
- A funeral plan for burial doesn’t include the grave purchase or burial plot
- Multiple in-area burial fees where the Covered Individual isn’t a resident in the local authority of the burial ground/cemetery
- Repatriation from outside mainland Great Britain
- Any costs that come from regulations, taxes, laws or changes in practices that create higher costs for the funeral
- Any travel over 50 miles (we will charge a fee per mile)
Flexible payment options, that work for you
One-time single card payment
Pay by debit card, Visa or Mastercard. This payment can be taken online, over the phone by calling 0333 305 4180, or in a Central Co-op funeral home by appointment with a certified Funeral Plan Arranger
Cheque or bank transfer
We can accept these payment methods for plan transactions completed over the phone by calling 0333 305 4180, or in a Central Co-op funeral home by appointment with a certified Funeral Plan Arranger
Cash
We accept cash when you complete your funeral plan application in a Central Co-op funeral home by appointment with a certified Funeral Plan Arranger. *ID requirements may be applicable
Direct debit *
You can spread the cost over 12, 24 or 60 monthly payments. If you pay over more than 12 months, we have a 2.8% instalment charge. If you want to pay by Direct Debit, you’ll need to buy your plan over the phone, by calling 0333 305 4180, or book an appointment with one of our certified Funeral Plan Arrangers at Central Co-op funeral home
The price of your funeral plan will include an admin fee of £300 which is retained by us to set up your plan.
The remaining balance, which is made up of the products and services chosen, is transferred into a whole life insurance policy administered by Royal London. This ensures the funds are secure and ready to provide your funeral when needed.
*Be aware. If you’re paying by Direct Debit over 12 or 24 months and the covered individual dies before it’s fully paid, except in cases of accidental death, we’ll ask for the outstanding balance before we can redeem the plan. Alternatively, we’ll cancel the plan and refund the amount paid. This means you might not end up with the funeral plan arrangements you wanted.
If you’re paying by Direct Debit over 60 months, your family will be protected from any further costs, if the covered individual dies before your plan is paid for in full, after the first 24 months.
If you’re paying by Direct Debit and miss two or more consecutive payments, this may lead to the cancellation of your plan and a refund of the amount paid. In the event of missed payments, we’ll let you know the outstanding balance and ask for payment within 10 business days of informing you. Please see our Terms & Conditions for more details.
Plans bought on our website are required to be paid in full to complete the purchase. If you’d like to pay in instalments, please speak to one of our certified Funeral Plan Arrangers who can help.
How to buy your funeral plan online
Choose either a burial or cremation
Select your chosen plan
Complete our step-by-step form
Pay to complete your purchase
A funeral plan, for every need
Unattended
£1,745.00-
Crematorium fee (cremation only)
-
24-hour collection of covered individual into our care
-
Collection into our care mileage (up to 50 miles)
-
Care and preparation of Covered Individual
-
Funeral advice and support (including legal and administrative arrangements)
-
Appropriate vehicle for transport to crematorium
-
Simple wood-effect veneer coffin
-
Visiting at the care centre only, during opening hours
-
Ashes collected from nominated funeral home
-
Bereavement assistance via professional organisations
-
No funeral service
-
Burial plaque not included
-
Limousine not included
-
Online tree dedication not included
-
Personalisation not included
Essential
£3,985.00-
Crematorium fee (cremation only)
-
Service location/Church fee (burial only)
-
24-hour collection of covered individual into our care
-
Minister or officiant fee
-
Grave digger fee (burial only)
-
In area single residence burial fee (burial only)
-
Collection into our care mileage (up to 50 miles)
-
Care and preparation of Covered Individual
-
Funeral advice and support (including legal and administrative arrangements)
-
Restricted date and time for the funeral
-
Hearse
-
Funeral service mileage (15 miles each way- additional miles incur a fee of £2.25 per mile)
-
A funeral procession direct to the service
-
Simple wood-effect veneer coffin
-
Visiting during opening hours
-
Ashes collected from nominated funeral home (cremation plans only)
-
Simple burial marker (burials only)
-
Document customer wishes and special requests
-
Bereavement assistance via professional organisations
-
Limousine not included
-
Online tree dedication not included
Flexible
Starts at £4,765.00-
Crematorium fee (cremation only)
-
Service location/Church fee (burial only)
-
24-hour collection of covered individual into our care
-
Minister or officiant fee
-
Grave digger fee (burial only)
-
In area single residence burial fee (burial only)
-
Collection into our care mileage (up to 50 miles)
-
Care and preparation of Covered Individual
-
Funeral advice and support (including legal and administrative arrangements)
-
Agreed date and time for the funeral
-
Personalised funeral procession
-
Hearse
-
Funeral service mileage (50 miles each way- additional miles incur a fee of £2.25 per mile)
-
A simple style oak veneered coffin. Option to upgrade from a choice of 3. Additional costs apply
-
Visiting during opening hours
-
Ashes collected from nominated funeral home (cremation plans only)
-
Simple burial marker (burials only)
-
1 Limousine included (option to add additional ones up to a maximum of 5)
-
Document customer wishes and special requests
-
Bereavement assistance via professional organisations
-
Online tree dedication not included
Natural
Starts at £4,765.00-
Crematorium fee (cremation only)
-
Service location/Church fee (burial only)
-
24-hour collection of covered individual into our care
-
Minister or officiant fee
-
Grave digger fee (burial only)
-
In area single residence burial fee (burial only)
-
Collection into our care mileage (up to 50 miles)
-
Care and preparation of Covered Individual
-
Funeral advice and support (including legal and administrative arrangements)
-
Agreed date and time for the funeral
-
Personalised funeral procession
-
Electric hearse where possible
-
Funeral service mileage (50 miles each way- additional miles incur a fee of £2.25 per mile)
-
Natural wood coffin (option to change coffin from a selection of 5 alternatives, some at an additional cost)
-
Visiting during opening hours
-
Ashes collected from nominated funeral home (cremation plans only)
-
Simple burial marker (burials only)
-
Online tree dedication included
-
Document customer wishes and special requests
-
Bereavement assistance via professional organisations
-
Limousine not included. Option to upgrade and add up to 5
“It’s reassuring to know that whatever the future holds, we know we’re in safe hands with Central Co-op Funeral Plans”
Whatever the future holds, ensure your funeral wishes are met
Our funeral plans are not set in stone
If you change your mind on which plan is right for you, we can update it without a fee. You’ll just need to pay the difference in the plan prices that apply on the date you upgrade. If you move to a plan that is cheaper, we’ll refund the difference.
If you decide the plan no longer meets your needs, you have a 45-day cancellation period or you can cancel at any point during the length of your direct debit term and receive a full refund. You can cancel your plan in writing, by email, over the phone or in person by booking an appointment with a certified Funeral Plan Arranger.
If you choose to cancel within your cancellation period, we’ll refund all the money you have paid. If you choose to cancel your plan after this time, we’ll refund all payments made, less an admin fee of £300.
Once we’ve been told the covered individual has died, we won’t be able to cancel the plan. For full details of our cancellation policy please read the Terms and Conditions.
Unsure about what funeral you’d like?
