The Natural Plan

Includes traditional elements for a funeral including a service, natural wood coffin and hearse. Where possible this will be an electric vehicle. The plan also includes an online tree dedication.

This plan allows you to change your coffin from a select range of five alternative options.

It also gives the option to add up to 5 limousines.

What you choose will determine the total cost.

When you buy a Natural plan, we’ll plant a tree for you or someone you love in a publicly accessible nature reserve or woodland. You’ll be able to choose the region in the U.K. where it’s planted, allowing you and those you love to visit, if you’d like that. As the locations are properly managed, this helps each tree live to maturity. These trees will offset some of the carbon we produce, they’ll help prevent flooding and will reforest wildlife. it’s a lovely way to leave a lasting, natural legacy.

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
Choosing the time and date of the funeral
Hearse
A personalised funeral procession (up to 50 miles each way)*
Funeral advice and support
Natural wood coffin (option to change coffin from a selection of 5 alternatives, some at an additional cost)
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 (option to add up to 5 limousines)
Embalming
Ritual family wash and dress
Flowers
Catering/wake
Newspaper notices / Order of Service
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.
A plan for burial does not include the grave purchase
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
Additional mileage, above 50 miles each way, for the Funeral service or collection of the covered individual
Interment or disposal of ashes

This list is not 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 a Natural plan is £4,765. This is made up of the current wholesale price of the funeral (at today’s prices) which is £4,465 and the administration fee of £300. The full value of £4,465 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 *
**£4,765	£300	£372.12	£372.08	£4,765	£300	£76.52	£76.50	£4,890.02

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

**Price includes natural wood coffin. You have the option to upgrade your coffin from a selection of 5 alternatives and add a limousine to a maximum of 5. Total cost will be dependent on selected items.

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

Natural

£4,765.00

Traditional elements for a funeral including a service, a natural wood coffin and hearse. Where possible this will be an electric vehicle. The plan also includes an online tree dedication. Options to change the coffin and transport available.