Funeral plan comparison service

All the facts and figures you need to compare the market, including the low-down on the UK's leading plan providers.

 

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How do UK funeral plans compare?

Being fanatical about customer service and value for money, we have left no stone unturned in our efforts to compare the market for a prepaid plan that is honest, safe and with no hidden charges. As a result, the following funeral plan comparison table gives you the low-down on market leading plan providers.    

Plan Provider:Dignity

Costs fixed at today's prices
Funeral Director:
Yes
Cremation & Ministers Fees:
Yes
Regulated by the FPA:
Yes
Defaqto Rating:
5 Stars
Could your family have to pay more:
No

Plan Provider:Perfect Choice

Costs fixed at today's prices
Funeral Director:
Yes
Cremation & Ministers Fees:
No
Regulated by the FPA:
Yes
Defaqto Rating:
3 Stars 
Could your family have to pay more:
Yes

Plan Provider:Golden Charter

Costs fixed at today's prices
Funeral Director:
Yes
Cremation & Ministers Fees:
No
Regulated by the FPA:
Yes
Defaqto Rating:
3 Stars 
Could your family have to pay more:
Yes

Plan Provider:Avalon

Costs fixed at today's prices
Funeral Director:
Yes
Cremation & Ministers Fees:
No
Regulated by the FPA:
Yes
Defaqto Rating:
3 Stars 
Could your family have to pay more:
Yes

Plan Provider:Golden Leaves

Costs fixed at today's prices
Funeral Director:
Yes
Cremation & Ministers Fees:
No
Regulated by the FPA:
Yes
Defaqto Rating:
3 Stars 
Could your family have to pay more:
Yes

Plan Provider:Coop

Costs fixed at today's prices
Funeral Director:
Yes
Cremation & Ministers Fees:
Yes
Regulated by the FPA:
Yes
Defaqto Rating:
5 Stars 
Could your family have to pay more:
No

Plan Provider:Open Funerals

Costs fixed at today's prices
Funeral Director:
Yes
Cremation & Ministers Fees:
No
Regulated by the FPA:
No
Defaqto Rating:
2 Stars 
Could your family have to pay more:
Yes

Plan Provider:Safe Hands

Costs fixed at today's prices
Funeral Director:
Yes
Cremation & Ministers Fees:
No
Regulated by the FPA:
No
Defaqto Rating:
2 Stars 
Could your family have to pay more:
Yes

 

Get a QuoteThe table shows how providers compare for their cremation prepaid funeral plans: Go to the Defaqto website for a full set of Star Ratings, the 5 Star Rating shown applies to the Dignity Diamond Plan.

When you compare funeral plans, you will notice there are different service levels depending on the whether you are looking for a simple or more comprehensive plan. Many companies now offer 3 to 4 different options, the main difference being the quality of the coffin and whether limousines are included for the family.

compare the market funeral plansSo for example, a cheaper prepaid plan will include a simple coffin and no limousine; a mid-range plan which tends to be the most popular will offer a better quality coffin and 1 limousine and the most expensive plan will include a high quality coffin and 2 limousines. 

Some plan providers now also offer a fourth option which is cheaper still and has some limitations like the time of the funeral service or allocation of funeral directors. Do be careful to read about all the limitations though when you compare plans to ensure you are happy with them and check that essentials items like the funeral directors costs and cremation and ministers fees are covered.

If you are looking for the simplest of plans, you can also now get direct cremation funeral plans which include the cremation without a service. If this is more what you had in mind, take a look at our direct funeral section for details on the plan we recommend.

Why choose a Dignity funeral plan?

When choosing a prepaid plan, we believe that as a minimum the essential costs should be fully guaranteed. Let’s face it, you don’t expect to go to the hairdressers and have half a hair cut do you – so why should you buy a funeral plan that only does part of the job!  

With many funeral plans, there is a chance your family could have to pay more for the cremation and ministers fees when the time comes; which is why our decision to recommend Dignity was an easy one to make.  

Dignity, the UK’s leading plan provider fully guarantees everything that is included in the plan for a cremation funeral. No part payment; no keeping your fingers crossed that your family won’t be left with a bill. Just a plain and simple honest guarantee.  

They offer flexibility with a range of payment options including monthly funeral plans and as they have their own network of funeral directors throughout the UK, can also guarantee the quality of service you and your family will receive too.

By the way, it’s not just us who think Dignity funeral plans are worth shouting about. Defaqto the independent researcher of financial products also compared and reviewed funeral plans and gave Dignity’s Diamond plan their highest rating of 5 stars.

Compare Dignity Plans
The affordable
Limited Plan
The essential
Amber Plan
The most popular
Pearl Plan
The big family
Diamond Plan
Single Payment Option
£2,795
£3,195
£3,550
£3,795
Paying over 12 months
£232.92
£266.25
£295.83
£316.25
Guaranteed Services

Guarantees funeral director fees at today's prices

Guarantees the fee for arranging and conducting the funeral and providing the services as described in the plan, including the coffin, hearse, professional advice and support for your family.

Yes
Yes
Yes
Yes

Guarantees cremation & ministers fees frozen at today's prices

Most other funeral plans only include a contribution towards these costs, some as low as £940 which means your family could have more to pay - with Dignity these costs are fixed at today's prices.

Yes
Yes
Yes
Yes

Guarantees that your family will have no more to pay

Once you have paid for your plan, you’ll never pay a penny more for the services included, regardless of when it is needed and how much prices have increased - so you can be sure that your family will not be left with a bill.

Yes
Yes
Yes
Yes

Is my money safe

When we compare funeral plans, one area we would never compromise on is security, which is why we recommend you choose a company that is registered with and regulated by the Funeral Planning Authority

The Funeral Planning Authority is the regulatory body that ensures its members comply with their strict rules and code of practise as to how your money is held and also the service you receive.  

When you buy a Dignity plan, your money is placed securely in the independent National Funeral Trust. This means if anything were to happen to Dignity, the trust fund with your money in it remains ring-fenced and ready to pay for your funeral services.

How do Dignity compare with other companies?

As part of our funeral plan comparison journey, we thought it was important to provide more detailed independent funeral plan reviews on other providers, not just Dignity. So if like us, you are eager for detail and want to compare and understand more about the UK's leading funeral planning companies, here are our ‘warts and all’ reviews.