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 only provide one prepaid direct cremation plan that includes everything you need for our direct cremation, guaranteed.

What is included?

What is included?

  • 24/7 Urgent care
  • A management fee of £350 to cover the cost of setting up your plan
  • Collection (including an urgent collection from a private residence) from any location in mainland Great Britain*
  • A simple, traditional coffin
  • Removal of any electronic devices such as a pacemaker
  • All disbursements including crematorium and doctor’s fee
  • An unattended cremation at our trusted partner crematorium
  • Ashes returned by hand to a loved one within Great Britain* or scattered in the crematorium's garden of remembrance
  • Contact
  • Collection
  • Cremation
  • Ashes returned
Prepaid Direct Cremation Plan Group

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.

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

Why choose our prepaid direct cremation plan?

By securing today's price, there's no need to worry if funeral costs increase.

Make your wishes clear. A funeral plan lets others know what you want to happen.

Once paid, your family won’t have any further costs towards our direct cremation.

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How much is our prepaid direct cremation plan?

£1,450 paid in full


You can also pay by monthly instalments up to 5 years

Try our payment calculator

24 Monthly instalments

Our funeral plan includes a £350 management fee to cover the cost of setting up your plan.

Instalment plans include an instalment charge of 4.8% of the total cost per year to help keep up with inflation.

If you choose an instalment plan, you can pay a deposit, pay your plan off or switch plans any time - simply give us a call.

Buy a plan online

Funeral plan terms and conditions


Would you like to see our brochure before purchasing a plan?

Get more information by post

Prepaid Direct Cremation Plan Happy

Paying monthly still gives you protection

As long as payments are up to date and you've not missed more than one payment, you'll be covered for accidental death straight away and after 2 years you'll be covered for any type of death, even if your plan hasn't finished yet.

By covered we mean we'll still provide your funeral for you. As soon as your plan is paid in full, you will be covered no matter what.

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

Is our prepaid direct cremation plan right for you?

Our prepaid direct cremation plan will usually cost you more than if you needed to arrange a direct cremation for someone who has recently passed away, as there are costs involved with setting up your plan. 

Our prepaid direct cremation plan is £1,450 if you pay in full and includes everything you may need for our direct cremation service.

Whereas if you needed to arrange a direct cremation with us for a recently lost loved one, the price ranges from £895 to £1,672 depending on your needs. You can find out more about our at-need service here. Please bear in mind that our at-need pricing is subject to increase without notice. 

If you think you may need the funeral soon and would rather wait, simply give the person likely to make the arrangements our details so they can call us direct at the time of need. However, if you would prefer to pay in advance or secure a price that's fixed and guaranteed, our prepaid direct cremation plan may be better suited to your needs.

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?

We provide a 60 day full money back guarantee, so if you change your mind within 60 days of purchase, you will be refunded in full. Cancellation after this time will result in a refund of all monies paid less our upfront management fee of £350.

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 will 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 of where the death occurred.

What would you like to do next?


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