The cost of the funeral is made up of the following:
Professional services including appropriate advice and support, liaison with third parties and personnel required to arrange the funeral
Supplementary charges including bringing your loved one into our care, presentation of your loved one and provision of a hearse
The cost of the coffin or casket
Additional charges such as limousines, additional mileage and ashes casket
Finally, any payments made to others on your behalf, known as disbursements. These include doctor’s fee, minister’s fee, cremation fee, etc. We kindly ask for payment for these prior to the funeral service taking place. Until payment is received any times arranged will be provisional.
If you require other services and need advice, please don’t hesitate to ask.
We will give you a courtesy call before the funeral to confirm all the details and answer any final questions that you may have. However, please do not hesitate to contact us at any time should you need assistance.
Meeting The Costs
If you think you cannot meet the costs of the funeral, you should discuss this with us at the time of arrangement. We have information on who may be eligible for the Social Fund and how to make a claim. Payment can only be authorised by the Department for Work and Pensions (DWP) who will also decide the amount of payment. If you do not qualify for payment, we may be able to advise on other forms of assistance. Please remember that you are personally liable for any amount in excess of the agreed payment by the Department for Work and Pensions (DWP), or indeed the whole invoice amount if a payment is not received.
Paying For The Funeral
You will receive your invoice within 7 days of the funeral. If there is any part of the invoice you do not understand or agree with, please contact our funeral home who will be happy to help. The invoice may be paid in person at our funeral home or at any bank or post office, or by post. You can pay with cash, by cheque or with a debit or credit card. If you wish the invoice to be referred to a solicitor, please advise us as soon as possible to ensure that this information is added to our records. However, you will remain responsible for the account being paid in accordance with our terms and conditions. The costs of a funeral are defined as a debt against the estate so you may be able to arrange for the funeral to be paid by the estate rather than paying this amount yourself. For free legal advice and support on how to proceed, please call our legal experts on 0330 606 9561. This service is provided by The Co-operative Legal Services.
Want to spread the cost of the funeral?
If you would rather not pay a deposit before the funeral, and then spread the cost over a longer period, you may be eligible to apply for a funeral loan through our partner Funeral Safe. You can find details on loan amounts and repayments, eligibility and details on how to apply below.
Calculate The Funeral Costs
Get a loan through Funeral Safe
We've partnered up with Funeral Safe, giving you a simple finance solution where you're in control.
- You choose the amount (whole or part of funeral costs)
- You choose the terms (from 12-60 months)
- You have control (personal login area to manage your account)
“Making finance simple so you can concentrate on the important things”
Funeral Safe Ltd is a consumer credit provider specialising in tailored funeral finance.
Explanations: Funeral Safe Limited provides finance from £500 – £7,500 from 15.9% APR over terms of 12 – 60 months.
Representative Example: Loan amount of £2500.00 with an arrangement fee of £25 and a monthly repayment of £227.45 over a term of 12 months at a rate of interest per annum of 10.20% Fixed. This is equivalent to 19.9% APR representative. Total amount repayable is £2754.50. Your personal circumstances affect the rate we can offer you which may differ from the representative APR. We will do a credit assessment of your circumstances when you apply. Credit available subject to status to UK residents aged 21 years and over. Funeral Safe finance is available over terms of 1 – 5 years with (fixed) APR rates from 15.9% – 24.9% based on circumstances. Funeral Safe Limited of Alton Business Centre, Valley Lane, Wherstead, Suffolk, IP9 2AX. Funeral Safe Ltd is the lender and is authorised and regulated by the Financial Conduct Authority.
Our Experienced Teams Are Here To Support You...
Co-op has been supporting bereaved families for over 100 years, and now, our Bereavement Notification Service is available.
It offers practical support and guidance when you need to deal with the affairs of a loved one who has passed away.
For further information, please download our brochure or visit our bereavement hub for support and advice: