Prepaid Direct Cremation Plan | Fully Inclusive £1,650

What is a prepaid direct cremation plan?

Our prepaid direct cremation plan allows you to purchase our direct cremation service for yourself or a loved one, ready for when you need us in the future.

It fixes the cost at today's price, so no matter how much funeral prices increase over time, family won't have any further costs to worry about.

We offer one of Britain's best direct cremation funeral plans, rated 5 stars by Fairer Finance and families across Great Britain.

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What is included?

24/7 Urgent care
Collection from any location in mainland Great Britain
A simple, traditional coffin of any size
Removal of any electronic devices such as a pacemaker
All disbursements including crematorium fees
An unattended cremation at our trusted partner crematorium
Ashes returned by hand or scattered in the crematorium's garden of remembrance
Donation to plant a tree in memory
Freedom to plan a unique and personal send-off

Contact
Collection
Cremation
Ashes returned
Celebration

What is not included?

Our prepaid direct cremation plan means there is no service at the crematorium, so there are certain things that are never included in this style of service.

The use of a hearse or limousine
Flowers or tributes (family are free to send us items to place in the coffin)
Collection from outside of mainland Great Britain or within the Scottish Highlands or Islands
Choice of crematorium or cremation time (we will let the family know the date and time of the cremation)
A ceremony at the crematorium or mourners attending the committal

A positive lasting memory

Our prepaid direct cremation plan avoids the distress of a rushed crematorium service.

This gives your loved ones the freedom to hold a positive and more personal celebration of life.

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Why choose our prepaid direct cremation plan?

Our fixed and guaranteed price means no additional costs for family, no matter how high prices rise in the future.

We keep family updated every step of the way, a truly personal service with our in-house care team.

We donate to plant a tree in memory after the cremation and send the family our dedication certificate.

Find out why our direct cremation plan has the highest rating in 2026

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Our focus is providing the very best possible service every step of the way

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How much is our prepaid direct cremation plan?

You can pay by monthly instalments up to 5 years

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24 Monthly instalments

£1,650 Paid In Full

You can also choose our flexible instalment plan where you can pay a deposit, pay your plan off or switch plans any time.

Celebration of Life Planning Ltd is authorised and regulated by the FCA (FRN 958912). If we ever stopped trading, your plan is protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per eligible person, per firm.

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Instalment plans include an instalment charge of 4% of the total cost per year to help keep up with inflation.

Funeral plan terms and conditions

Commission disclosure

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Pay monthly and still be protected

With our instalment plans, you'll be covered straight away for accidental death.

Then after 2 years, you'll be completely covered, even if you haven't finished paying for your plan.

This means if you die before your plan is fully paid, we'll still provide your funeral and won't ask your family to pay anything more.

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Your money is held securely

The money you pay is held in a secure trust completely separate from our business
The trust is administered by independent professional trustees
A full audit of the trust accounts is performed annually
The trust is subject to an actuarial verification each year
Plans are further protected by the Financial Services Compensations Scheme

Added protection for every prepaid plan

Since 2022, all funeral plan providers must be authorised by the Financial Conduct Authority and so funeral plans are now backed by the Financial Services Compensation Scheme, which protects your money up to £85,000 per plan.

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Other important information about our prepaid direct cremation plan

What if we go out of business?

Your money is paid into a secure trust which is completely separate from our business. In the unlikely event that we go out of business, a suitable replacement provider will take over the funeral plan contracts. If that is not possible then you will be refunded an amount equivalent to purchase a replacement plan on terms corresponding to this one. Your money is additionally backed up and guaranteed by the Financial Services Compensation Scheme.

What if I change my mind?

If you change your mind within 30 days of ordering a plan, we will refund you all the monies paid less the cost of any work completed to date or any gift or benefit provided to you at a cost to the company. After 30 days a cancellation fee of £99 will apply.

Are there any age restrictions?

You must be over 18 to purchase a plan. There is no upper age limit if you decide to pay in full or by monthly instalment up to 2 years. If you want to pay by instalment over either 3, 4 or 5 years, then the person who the plan is for must be 80 or younger by the time the instalment plan finishes.

Which payment methods do we accept?

You can pay in full via cheque by posting back our application form. You can also pay in full via debit/credit card here on our website or over the phone by calling us. If you prefer to pay with a monthly instalment plan, this will be via direct debit each month and you can apply by posting back our application form, order here on our website or simply by calling us.

Can I set up a joint plan?

Our plan is even more flexible than this, as it gives you the ability to change who the plan is for at any time, even if they have passed away. You choose 1 person to be named as the beneficiary of the plan, but if someone else dies first, then you can use the plan for them instead.

What documents will I receive?

After purchasing a plan with us, you will receive all documents in the post within 5 working days. We can even send a copy to your next of kin. You'll receive; a welcome letter, funeral plan summary, plan certificate with your unique plan number, 2 x plastic cards with your plan number and our contact details and full terms and conditions as well as other useful information.

What areas are covered?

Our plan covers you across all of mainland Great Britain, excluding the Scottish Highlands and Islands. If a death occurs outside of this area we may still be able to help but there may be extra costs involved. If we're unable to help, the family may need to organise for the deceased to be repatriated to within the covered area, or a refund less any relevant fees can be provided to the estate so that a cremation can be arranged in the area where the death occurred.

Difference between a plan and at-need

A direct cremation can be arranged with us when someone dies, even if there is no plan in place. The price for this is currently £1,490 if they died at home and the ashes are to be returned to a loved one. However, without a plan in place, the price for this may change at any time. This compared to our prepaid plan, which is £1,650 if paid in full. It covers you for everything you would need for our direct cremation service, guaranteed. Giving you peace of mind no matter how high funeral prices rise in the future.