Compare Funeral Plans

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Compare Funeral Plans

Funeral plans are designed to give you peace of mind knowing that the costs of your funeral are covered. With the average UK funeral now costing nearly £10,000, you may prefer to pay in advance and take the organisation and financial pressure off your family. You can use our smart technology to get the best possible deal on your funeral plan and get on with enjoying life.

What is a pre-paid funeral plan?

If you want to protect your loved ones against unexpected costs when you die, this type of plan can help you cover your funeral and arrange it just as you want. You’ll make all the arrangements and pay in advance for complete peace of mind. Plans usually cover you from the age of 50 and cover the cost of items such as a coffin and hearse. You can pay in one lump sum or in monthly payments to suit your budget and you can opt for a range of additional services to meet your requirements.

Whether you choose to cover your costs with a funeral plan, life insurance or an over 50s plan, we’ll help you get the best deals on the market when you compare funeral plans.

Is it the right choice for me?

If you’re the kind of person who prefers to be in control, then a pre-paid plan could be the right choice for you. You can choose the kind of funeral you want and pay up-front or monthly, safe in the knowledge that your family won’t have anything to arrange or pay for.

So why should you choose a pre-paid plan for your funeral?
  • Puts you in control of your plans
  • Saves you money if the cost of your funeral rises in the future
  • Protects your family from unforeseen costs
  • A pre-paid plan is excluded from inheritance tax unlike saving
Funeral plans explained

All plans include the services of a funeral director who will help you to arrange the funeral and take care of transport. The more expensive the plan, the more services the funeral director will provide. On a standard plan, you’ll pay for a simple coffin and a hearse. The more expensive plans will also include transport for the mourners.

Standard plan
– Standard coffin and hearse
– Restrictions on time and date of funeral

Top-level plan
– Wider choice of coffins
– Transport for mourners
– Flexibility in time and date of funeral

What’s included in my funeral plan?

Using our smart comparison software, you can pick the plan and provider you want to get the level of cover you want. You’ll never pay for cover you don’t need and you’ll be safe in the knowledge that your funeral is all paid for, just the way you planned it.

Most policies will contribute towards:

– A coffin
– A hearse and limousines for mourners
– Thank you cards
– Bereavement counselling
– Burial or cremation costs

Most policies don’t include:

– Headstone and burial plot
– Organist and choir
– Catering
– Flowers
– Doctor’s fees

Third party costs such as doctor’s fees and a celebrant or minister for the service are called disbursements. These can be covered by an allowance that rises in line with inflation or a guarantee that covers these extra costs. Compare with us and we’ll find you a plan that gives you the best deal on the cremation or burial you’ve planned.

Will life insurance cover my funeral?

Your family could use money from your life insurance to cover your funeral costs. But with the average price of a funeral rising rapidly and depending on your life insurance cover, they may not be able to cover all the costs. However, you could choose to combine life insurance and funeral cover in the same policy which would pay out a fixed sum to cover your funeral arrangements.

Is my money protected?

Your money won’t be protected in the same way as savings are, but there are things you can do to make sure your plan is protected:

  • Take out a plan with a provider from the Funeral Planning Authority (FPA) who will ensure your money is properly invested
  • Pay for your plan either upfront or monthly using a credit card
What are my options?

When it comes to paying for your funeral you’ll have four options depending on your budget:

Pre-paid plan
Pay for your funeral in advance and cover most of your expenses with standard to premium plans.

Over 50s plan
You’ll make regular payments to the insurer who pays out a lump sum when you die.

Life insurance written in trust
Setting up a trust means payouts will be made straight to your beneficiaries so you won’t pay inheritance tax and you can be specific about what the money is spent on.

Savings
Banks will usually release the money for a funeral when you produce a death certificate and itemised bill.

Tips for buying the best plan for you

How would your family cope financially? If they could afford to cover the cost, a plan may not be for you

Find the right policy for you using Bright Compare

  • Check out the cost breakdown by provider
  • Always use providers registered to the PFA
  • Don’t take more than a year to pay it off or you could pay up to 26% more
  • Don’t forget to read the small print to see exactly what is and isn’t included
Trust Bright Compare for the best deal

At Bright Compare, we make finding the right funeral plan quick and easy. Just enter your details and let our smart technology do the rest. We’ll find you quotes in seconds and all you have to do is review and apply – we’ll do all the hard work of the form filling for you.

Our smart technology empowers you to make the right financial decisions whether that’s buying life insurance or planning for your funeral. We’re connected to the best deals 24/7 and our safe and secure website means your personal and financial data will always be protected.

We’re completely independent and free to use so why not compare funeral plans with us and get peace of mind cover for you and your family when you choose the best deal with Bright Compare.

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