If you move and we are unable to provide the service, you should be able to transfer your plan to a Funeral Director in your new area. Funeral costs vary from one area to another and you will be advised of any difference in cost at that stage.

Yes. Please mention this at time of application ~ we will need the name, address and year of birth of the person to be covered but we will send all correspondence to you.

If you change your mind within the first 30 days of receiving your plan documents you can receive a full refund. If you cancel your plan after the first 30 days then you can receive a full refund of the original amount paid minus the management fee.

Anyone aged 18 or over can buy a plan and in any state of health but please see the note on instalments.

All payments are held in guaranteed whole life assurance policies, ensuring the pre-payment amount is ‘ring-fenced’ for your funeral. Your pre-payment cannot be used for anything else for your peace of mind.

Each plan usually includes a contribution towards other expenses, such as crematorium or cemetery fees, doctor’s fees for a cremation certificate and minister’s or church fees ~ these fees are known as ‘disbursements’. This is intended to cover most of the usual disbursements, but please note that they are outside of our control and cannot be guaranteed.

You can include a larger, or smaller, contribution towards disbursements if you wish ~ please ask if you need advice on this point.

Yes, there is a range of options, please ask for details. You may pay for your funeral plan over 1, 2, 3, 4 or 5 years. There is an additional cost for paying by instalments over 2, 3, 4 or 5 years. If your funeral plan is needed before you have completed your instalments, the money paid into your plan so far will be used as a contribution towards your funeral.

The plan is guaranteed to cover the funeral director’s costs listed in the plan details as long as your requirements don’t change and we carry out your funeral. The plan can also include an allowance towards third party costs such as the fees for cremation or burial, medical fees and payment to a minister or officiant. These costs are outside of our control. Please refer to the Terms and Conditions for more information.

We recommend that you take out travel insurance when you go on holiday, especially if you travel abroad, which usually covers bringing you back home if necessary. Alternatively we can quote for the extra cost involved.