Dignity Funeral Plans Review

Dignity funeral plans are provided by Dignity, one of the UK’s largest funeral planning companies. They are secure, competitively priced and guarantee all the services included.

Market insight: Dignity plans are currently £200 cheaper than the Coop, £100 less than Golden Charter and up to £250 less than Avalon

Highlights

  • Registered and regulated by the Funeral Planning Authority (FPA)
  • Guarantees cremation and ministers fees as well as funeral directors costs
  • Offers the highest allowance of £1,220 for burial fees that can be used for any funeral costs with any remaining funds being paid back to the family
  • Awarded highest Defaqto rating of 5 stars for their Diamond plan
  • If you die before completing your monthly instalments, your services will be provided*. Dignity will cover the outstanding balance, not your family
  • Work with over 1,200 owned and approved funeral directors throughout the UK
  • Only company to publish an Annual Trust Fund report giving full transparency
  • If you move, the plan moves with you at no additional cost 
  • Use of the chapel of rest for family viewing is included on all plans
  • First company in the UK to be accredited the BSI Kitemark for Customer Service

Lowlights

  • £75 fee for placing the plan in joint names although this is fully refunded if you buy a second plan at a later date
  • You need to be at least 50 years of age
  • Doctors fees for second death certificate aren’t included – although the law is about to change which means this won’t be relevant in the near future

Dignity Funeral Plan Review - Details

Dignity Limited Plan: £2,995 – Guarantees the funeral directors services, cremation & ministers fees or includes largest allowance of £1,220 for burial fees. Times of the funeral service are restricted.

Dignity Amber  £3,395 - Guarantees the funeral directors services, cremation & ministers fees or includes largest allowance of £1,220 for burial fees. Includes a standard coffin & no limousine.

Dignity Pearl: £3,750 - Guarantees the funeral directors services, cremation & ministers fees or includes largest allowance of £1,220 for burial fees. Includes a midrange coffin & one limousine.

Dignity Diamond Plan: £3,995 - Guarantees the funeral directors services, cremation & ministers fees or includes largest allowance of £1,220 for burial fees; Includes a quality coffin & two limousines.

Payment options

You can pay for the Dignity funeral plan a number of ways; here is a summary of the options with prices shown in the table below.

In Full / or over 12 months – As with most funeral plan providers you don’t incur any additional fees for spreading your costs over 12 months. Therefore the 12 month option or paying in one go is your cheapest method of payment.

Monthly payment options – Dignity offer instalments between 1 and 25 years dependent on age with no deposit.

Payment options Limited plan Amber plan Pearl plan Diamond plan

Single payment

£2,995 £3,395 £3,750 £3,995

1 year plan

Total payable

£249.58

£2,995

£282.91

£3,395

£312.50

£3,750

£332.91

£3,995

5 year plan

Total payable

£60.67

£3,640

£68.31

£4,099

£75.08

£4,505

£79.76

£4,786

10 year plan

Total payable

£35.49

£4,260

£39.77

£4,773

£43.56

£5,228

£46.18

£5,542

25 year plan

Total payable

£19.25

£5,777

£21.36

£6,408

£23.22

£6,968

£24.51

£7,355

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Dignity promise

On monthly funeral plans, Dignity promise to cover the cost of your funeral as detailed in your plan if you die before completing your instalments. This means any outstanding balance will be covered by Dignity, not your family.

*The only conditions are that the plan must have been in place for at least 12 months with all your payments up to date.

How secure is the Dignity Plan

Dignity is registered with and regulated by the Funeral Planning Authority so therefore has to comply with their strict rules and code of conduct on the service you receive and most importantly how the money is held.

When buying a Dignity funeral plan your money is held in the National Funeral Trust which is a completely separate entity to Dignity, so if anything were to happen to the company, the trust fund with your money in it remains intact and ready to pay for your funeral.

They are also the only company to publish a comprehensive annual Trust Fund Report so there is complete transparency.

Dignity - Company Review

Dignity is the UK’s leading provider of funeral plans. They are also one of the UK’s leading funeral service providers with over 1,200 privately owned or approved funeral directors.

They also the largest single operator of crematoriums with over 46 locations across Britain (you still have access to all crematoriums throughout the UK with the plan – not just Dignity owned crematoriums).   

In addition to selling their plans direct, Dignity is also the company behind the Age UK funeral Plan, the Post Office Funeral Plan and various banks and building societies.

Our Dignity funeral plans verdict

Dignity is one of the few companies in the UK to offer a full guarantee for cremation and ministers fees in addition to the funeral directors costs which makes their plans one of the most comprehensive you can buy. This is highlighted by the fact that they have recently been awarded a 5 star Defaqto rating – the highest possible rating for their Diamond Plan.

The flexibility and use of the allowance for burial fees also makes them stand out against other plan providers. Most plan providers will only let you use the allowance for the actual burial or interment fees and if you don’t use it, you lose it. With Dignity, the allowance can be used in its entirety for any funeral services, such as help with buying the plot, flowers or the reception; and if there is any money left over, it is paid back to the family or estate.

And with the new Dignity Promise, monthly payment plan customers won’t have the worry of family paying the balance if they die before the instalments are complete. Now Dignity will cover any shortfall.

Quite simply with the Dignity plan you are paying a competitive price for one of the most comprehensive funeral plans.

Call us free on 0800 133 7656

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Prefer a paper copy?

Why not request a brochure to review the plan in more detail and then when you're to apply you can complete the enclosed application form or call us and we will do the work for you.

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National Association of Funeral Directors

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