The Essential Plan

Includes the essential elements for a funeral service. A lower-cost option without unnecessary frills. A simple wood effect veneer coffin, with a hearse for funeral transport are both included. You have the choice to record personal special wishes to your plan that will be passed to loved ones when the funeral is needed.

Please scroll down the page for full details on the funeral plan.

What's included within your plan

24-hour collection of Covered Individual into our care (up to 50 miles)*
Care and preparation of Covered Individual
Restricted date and time of the funeral
Hearse
Funeral service mileage (15 miles each way)*
A funeral procession direct to the service
Funeral advice and support
A simple wood effect veneer coffin
Visiting during opening hours
Bereavement assistance
Minister or Officiant fee
Taking care of arrangements

Cremation Plans Only

Burial Plans Only

* If you need to travel further than the mileage in the plan, we’ll charge £2.25 per mile.

What's not included within your plan

Limousine
Embalming
Ritual family wash and dress
Flowers
Catering/wake
A ceremony/service at a second location to where the cremation is to take place
Newspaper notices / Order of Services
The cost of memorials and headstones, including the repair, cleaning, re-fixing, or additional inscriptions
Charges relating to the provision of an organist, choir or live music (e.g. soloist, band) at the funeral ceremony/service.
Increased burial costs when the Covered Individual isn’t eligible as a resident in the local authority of the burial ground/cemetery.
Repatriation from outside mainland Great Britain
Interment or disposal of ashes
Additional mileage, above 15 miles, for the Funeral service
A plan for burial does not include the grave purchase

This list isn’t exhaustive; please refer to the Terms and Conditions for further information.

What's the cost and how to pay?

If you buy a plan online, you'll need to pay in full by a debit card, Visa or Mastercard.

Other payment options:

One single card payment – You can 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 with a certified Funeral Plan Arranger
Cheque or bank transfer – We can accept these over the phone by calling 0333 305 4180, or in a Central Co-op funeral home with a certified Funeral Plan Arranger
Cash – We accept cash when you complete your funeral plan application in a Central Co-op funeral home with a certified Funeral Plan Arranger
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 with one of our 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. As an example, the price of an Essential set plan is £3,985. This is made up of the current wholesale price of the funeral (at today’s prices) which is £3,685 and the administration fee of £300. The full value of £3,685 is paid into a whole of life insurance policy, and £300 fee is retained by us to cover the costs of setting up the plan

	12 Monthly Payments				60 Monthly Payments
Single payment (includes admin fee)	Admin fee	1 payment of	11 payments of	Total Payment	Admin fee	1 payment of	59 payments of	Total Payment *
£3,985	£300	£307.12	£307.08	£3,985	£300	£62.92	£63.14	£4,088.18

* If you pay over 24 or 60 months, we include a charge of 2.8%

Be aware. If you’re paying by Direct Debit 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 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 Funeral Plan Arrangers who can help.

Our plans aren’t 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. 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