Frequently Asked Questions

We have answered the mostly commonly asked questions in this section. Click on a heading below to get further information. But if you can’t find what you’re looking for within the below, please email us on or call 0800 454 940.

Who will be providing my funeral?

  • Your funeral will be carried out by Midcounties Co-operative Funeralcare or any other Co-operative Funeralcare home. Co-operative Funeralcare are the UK’s leading Funeral Director. All of our Plans allow you to record which of our many funeral homes you would like to entrust with your funeral arrangements, if you have a preference. If you move house later, it’s easy to change this information.

Which services will be covered by my Funeral Plan?

  • A Funeral Plan from The Midcounties Co-operative is fully guaranteed. This means that all of the services included in our Plans are covered and there will be no more to pay for them, no matter how much prices rise. 
  • If you choose a Tailor Made Plan, the Funeral Director will help you to choose the services that you want the plan to cover and will record the details and prices of these services for you on the Application Form.
  • If you choose one of the set Plans, the services covered by each Plan are detailed in the brochure.
  • Everyone who arranges a Plan also gets a Plan Summary once we have received the Application Form, which confirms the details of the services they have chosen.

Are there any age restrictions on purchasing a Pre-paid Funeral Plan?

  • Our Plans are available to anyone over the age of 18.

Do I need a medical to buy a Co-operative Funeralcare Pre-paid Funeral Plan?

  • No, there are no medical questions and there is no medical or health check required when applying for any of our Funeral Plans, whether or not you have any existing medical conditions.

Can I take a Plan out for somebody else?

  • Yes, all of our Plans and payment options allow you to buy a Plan for someone else. If you do this, as the Plan Purchaser you will receive all of the correspondence about the Plan and you will have all of the rights to the Plan and be responsible for paying for it.

How will the person arranging my funeral know what to do when the time comes?

  • When you take out a Plan with us, you receive a Documents Folder which has a Plan Summary for you to give to the person who is most likely to arrange your funeral. The folder contains useful information explaining exactly what to do with the documents in it as well as what the person arranging your funeral will need to do when the time comes.
  • Your local Co-operative Funeralcare Funeral Director will give them all the help and support that they need and can be contacted at any time if you or the person who will be arranging your funeral has any questions or concerns.

How can I include my personal requests in my Pre-paid Funeral Plan?

  • With a Set Cremation Plan, you have the opportunity to record “My Wishes”. We provide a form for you to complete and you can do this either when you arrange your Plan or at any time in the future.
  • We can’t guarantee you’re your wishes but we will work closely with the person arranging the funeral to make sure it is exactly as you would have wanted. Any additional costs for things not paid for by your Funeral Plan will need to be paid for at the time. If you want to pre pay for the additional services you can visit your local Midcounties Funeralcare home where they can design and cost a bespoke funeral plan for you.
  • On your My Wishes, you can record:
  • Requests to personalise the services already included in your Set Plan such as choices of hymns, music and readings.
  • Requests for services which are not included in your Set Plan, such as additional limousines, a newspaper notice, or a memorial. These services will need to be paid for by the person arranging your funeral at the time.
  • At the time of the funeral, the Funeral Director and the person arranging the funeral will be provided with details of all of your requests.

What personal touches can be arranged by my family at the time of the funeral?

  • The person arranging the funeral may wish to include further services such as flowers,additional limousines, newspaper notices, or burial or scattering of ashes which are not included in your Plan. The Funeral Director will help to arrange these services and they will need to be paid for in full at the time of the funeral by the person who arranges them.
  • For all Funeral Plans, any additional services ordered by the person arranging the funeral which are not covered by the Plan will need to be paid for in full at the time of the funeral.
  • If the person arranging the funeral includes additional services which you have asked for in your Funeral Requests, these will also need to be paid for in full at the time of the funeral.
  • Full details of occasional charges are in the Terms and Conditions which come with the brochure we will send you.

How can I pay for my Pre-paid Funeral Plan?

  • We have a choice of payment options available. Your Funeral Plan can be paid for in full with a single payment, by monthly Direct Debit over 12, 24, 36, 60 or 120 months.

What happens if I die before I have finished paying for my Plan?

  • If you are paying by Direct Debit, and the Plan Holder dies before the Plan has been paid for in full, the person arranging the funeral can either:
  • Pay any amount still owed as a single payment. This must be paid before the funeral can be arranged, or
  • Cancel your Plan by writing to us. If this happens, a refund of all payments will be made to the Plan Purchaser or to the Plan Holder’s estate as appropriate, less a Cancellation Charge of £250.

What happens if I stop paying for my Plan?

  • If you are paying by Direct Debit and you miss a payment, we will give you 30 days of grace in which to make the payment and keep your Plan in place. If the overdue payment is not received within 30 days, we will cancel the Plan and return the money you have paid us, less the Cancellation Charge.

Share of the Profit

  • The Plan Purchaser is entitled to The Co-operative Membership points on the purchase of a Funeral Plan, as long as a valid Co-operative Membership number is recorded on the Application Form when you the time of taking out the Plan.
  • You can find out about the benefits of membership here.

How secure is the Midcounties Co-operative?

  • The Midcounties Co-operative is an independent co-operative society, operating with its own independent Board and Executive team. We are in a strong financial position, with our half year results showing a 36% increase in sales and profits up by £1.6 million. This year, following record sales and profit growth, we returned over £6 million to Society members and colleagues through a share of profits payment. Our heartlands are in Oxfordshire, Gloucestershire, Buckinghamshire, Shropshire, Staffordshire, the West Midlands, Wiltshire and Worcestershire, with a trading presence in the surrounding counties. We have 439,000 members who enjoy a share in our profits, as well as knowing they are funding ethical activities and initiatives locally and around the world.

Where is my money invested?

  • The money you have invested in a Co-operative Funeralcare plans is invested in either a whole of life insurance policy with The Royal London Mutual Insurance Company or held in a trust fund controlled by independent trustees. The Royal London Mutual Insurance Company and the independent trustees will only release money to pay for a funeral on the receipt of a valid death certificate, or on the written instructions of a plan holder should they need to cancel the plan.
  • Royal London is the UK’s largest mutual life and pensions company and is regulated by the Financial Conduct Authority.

Who regulates our funeral plans?

  • The Midcounties Co-operative is a member of the Funeral Planning Authority which represents all the main funeral plan providers. This organisation has a complaint resolution process and offers “a Pledge to Customers” which is a commitment that “should a Registered Provider becoming insolvent, the other Registered Providers will co-operate and examine ways in which the FPA might assist in arranging delivery of the funerals of customers of the insolvent Registered Provider”.
  • Website:
  • Phone: 0845 601 9619

What happens if I die abroad?

  • The Funeral Plan does not pay for funerals abroad. If you were to die abroad, then your Co-operative Funeralcare Funeral Director could assist with arranging repatriation. You would need to pay for this or you may be insured for this eventuality. Once repatriated to Great Britain or Northern Ireland, your Plan can then be used to arrange the funeral as normal.

What if I change my mind and want to amend my Plan?

  • Your Funeral Plan cannot be changed or amended. If you decide that you want to change to a different Funeral Plan, you will have to cancel your original Plan. The Terms and Conditions leaflet in the back of the Brochure we will send you gives you full details on ‘Cancelling your Selected Plan’.

What if I want to cancel my Plan?

  • If you change your mind and want to cancel within 30 days of purchasing your Plan you will be entitled to a full refund of all payments with no Cancellation Charge to pay, regardless of how you have paid for the Plan.
  • If you wish to cancel after 30 days and you have paid for your Plan in full or are paying over 12, 24, 36, 60 or 120 months by Direct Debit, you will receive a refund of all monies paid, less a Cancellation Charge of £250.
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