Golden Charter funeral plans review

Golden Charter funeral plans are provided by one of the UK’s leading funeral planning companies. Working with 3,000 independent funeral directors across the UK, they have the largest network of all funeral plan providers.

Market insight: Golden Charter plans only include a contribution for third party funeral costs. Cheaper plans are available that fully guarantee the services included.


  • Golden Charter is registered and regulated by the Funeral Planning Authority (FPA)
  • The widest network of funeral directors across the UK
  • 5 different levels of service to choose from
  • Free transportation if you were to die on holiday anywhere in the UK
  • All plans are transferable which means they can be used by any member of the family


  • There may be a charge if you move and have to change funeral directors
  • Offers some of the more expensive funeral plan instalment options
  • Plans include an allowance for 3rd party costs - to guarantee these costs for 5 years will cost more
  • This guarantee is not available for burials or if you choose the Basic plan
  • Family viewing of the deceased is included in 3 of the 4 plans

Golden Charter funeral plan review - the details

Value Plan:  Guarantees the funeral directors services and includes £800 for third party costs. Times of service are limited and chosen by the funeral director.

Standard Plan:  Guarantees the funeral directors services and includes £1,100 for third party costs. Includes a plain veneered wood coffin and no limousine.

Select Plan:  Guarantees the funeral directors services and includes £1,100 for third party costs. Includes a high quality coffin and one limousine.

Premier Plan:  Guarantees the funeral directors services and includes £1,100 for third party costs. Includes a solid walnut wood coffin and two limousines.

Optional third-party costs guarantee

If you choose a cremation funeral plan and pay with a single payment or 12 monthly instalments, you have the option to pay an extra £200 to guarantee that third party costs will be covered if die within five years of your funeral plan being fully paid. If you die outside of the 5 years, the £200 will be added to the third party cost allowance included in your plan.

Payment options


You can pay for a Golden Charter funeral plan a number of ways:

In Full / over 12 months – This is the cheapest option with no charge for spreading costs over 12 months. Golden Charter also gives you the flexibility to pay a deposit and then clear the balance in one go at any time during the 12 month period.

Instalments  – spread the cost by paying for your funeral plan monthly. Instalments are available between one and 30 years with a minimum deposit of £49.

Fixed monthly payment plan – Available for anyone between the ages of 50 and 80. You pay a fixed amount monthly either for life or until you are 90 and are covered for your funeral services after the first two years. With this type of plan, there is a chance you could pay in more than the cost of the funeral service; it all depends on how long you live.

How secure are Golden Charter funeral plans;

Golden Charter is registered with and regulated by the Funeral Planning Authority  must comply with their strict rules and code of conduct on the service you receive and most importantly how the money is held.

For all payment options apart from the fixed monthly payment plan, your money is held in the Golden Charter Trust; a trust fund that is a completely separate entity to Golden Charter, so if anything happens to the company, the trust fund with your money in it remains intact ready to pay for your funeral services.

With the Fixed Monthly Payment option, your money is paid into a life insurance plan which is regulated by the Financial Conduct Authority.

Golden Charter is also recommended by The National Society of Allied and Independent Society of Funeral Directors.

Golden Charter review

Golden Charter is a leading later life planning companies that offers prepaid funeral plans and legal services. It is owned by an association of independent funeral directors and has been in business for more than 25 years.

Working with over 3,300 independent funeral directors throughout the UK, Golden Charter is one of the largest plan providers in the country.

Golden Charter also provides the funeral benefit option on both Shepherds Friendly and British Seniors over 50 life insurance plans. This enables the policyholder to have the policy cash sum paid directly to the Golden Charter and receive an additional £300 contribution towards the cost of the funeral in return.

Our Golden Charter funeral plan review verdict

Golden Charter funeral plans offer free transportation if you die anywhere in the UK whilst on holiday, although there is a 25 mile limit for collection at other times.  Other Family members are also allowed to use your plan at no extra cost.

Plans also include a contribution of £1,100 for third party costs, although this doesn’t guarantee that all third party fees will be paid in full, unless you pay the extra £200 and die within 5 years of the plan being paid off. This allowance increases in line with the trust fund but you may want to bear in mind that further charges may apply when the time comes.

Our offer

The Dignity Funeral Plan guarantees to fix ALL funeral costs listed in the plan including the funeral director's services and the cremation and ministers fees, so you can be sure that your family will have nothing more to pay for these services.

You won't have to worry about rising funeral costs as they are guaranteed at the price you pay today - giving you peace of mind that everything detailed in the plan is taken care of and when the time comes your family will only have to make one phone call.

Compare the best funeral plans

Not sure which plan is the best one for you?

We always suggest that you read all of our reviews before making a decison. We recommend Dignity Plans as they offer great value for money with a quality service you can trust.

Should you like to know more please request a brochure or call us on 0800 133 7380.

Request a Dignity brochure

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National Association of Funeral Directors

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We are authorised & regulated by the Financial Conduct Authority

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