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Compare Funeral Plan Providers

It’s important to compare funeral plan providers to ensure you get the plan that is best for you. Make sure you compare plans based not only on what the plan price is today, but also on any additional costs there may be to pay when the plan is actually needed in the future.

Comparing Funeral Plan Providers?

Dignity’s Prepaid Funeral Plan allows you to prepay funeral costs and fully guarantees the funeral director and cremation funeral services in the plan. There are no hidden costs which means there will be no additional costs to pay for the services when the plan is needed.

Some other providers are unable to guarantee this.

Dignity Prepaid Pearl Plan Golden Charter Select Plan Co-op Silver Set Funeral Plan
Price

£3,785

NEW Lower Price

£3,650

£3,650

Reassurance that the funeral will be delivered to the highest standards anywhere in the UK?

Yes

Dignity have over 1,200 owned or carefully selected and approved Funeral Directors to conduct funerals for Dignity Plans.

98.8% of the families surveyed^ said that Dignity had met or exceeded their expectations in terms of the quality of service provided.

No

Golden Charter's network of Funeral Directors are all independent with no consistency of service or guarantee of quality.

Golden Charter is only responsible for offering funeral plans and has no control over the facilities or care that is provided by their Funeral Directors.

No

Co-op do not publish any customer service statistics regarding the quality of their service.

Does the Plan provider guarantee the funeral?

Yes

Guaranteed

Dignity provides the guarantee so no matter what happens there should always be a Dignity Funeral Director to deliver the funeral.

No

The local Funeral Director provides the guarantee, not Golden Charter, so if the Funeral Director goes out of business there is no guarantee a new Funeral Director would honour the price guarantee.

Yes

A Co-op owned Funeral Director will carry out the funeral.

Funeral Director costs included?

Yes

Yes

Yes

Crematorium & Minister's Fees included?

Yes

No

£940 contribution towards all 3rd party fees is provided, this does not increase over time.

Yes

Is the Plan a fixed price?

Yes

Yes

Whichever payment option you choose, you will know exactly the total cost to you

No

Not Always

With the Fixed Monthly Payment Option, there is a risk you could pay more as you are committing to make payments into the policy for the rest of your life. If you cancel or miss a payment, you may lose everything that has already been paid.

No

Not Always

With the Fixed Monthly Payment Option, there is a risk you could pay more as you are committing to make payments into the policy for the rest of your life. If you cancel or miss a payment, you may lose everything that has already been paid.

Will there be a refund if the Plan is not used?

Yes

A refund will be promised at any time with Dignity, subject to a cancellation fee of £395, even if the Plan is not used.

No

Not always

Golden Charter do not guarantee to provide a refund after death if the Plan is not used

No

If your loved one chooses not to use any of the services included in the Plan, there will be no refund.

Is the Plan guaranteed even if I move?

Yes

Yes

Dignity provides the guarantee so no matter what happens there will always be a Dignity Funeral Director to deliver the funeral.

No

No

If you move, your Plan may be at risk as the new Funeral Director may not take on the price guarantee. If the Plan is transferred you may have to pay an additional cost.

Yes

Yes

If you move house you can choose the Co-op owned Funeral Director that is nearest to you.

Is the plan available to anyone aged over 50?

Yes

No

Not Always

The plan is not available to anyone over 78 if paying by fixed monthly payments.

No

Not Always

The plan is not available to anyone over 80 if paying by fixed monthly payments.

Medical Certification Fees included?

No

Not required in Scotland. Do not apply if Coroner required in rest of UK.

(Current cost is £164)

No

£940 contribution towards all 3rd party fees is provided, this does not increase over time.

Yes

This is not always used or necessary.

Does the plan guarantee 3rd Party burial costs?

No

£1,200

contribution towards any burial cost (including the plot) which increases in line with inflation.

No

£940

contribution towards all 3rd party fees is provided, this does not increase over time.

No

Some costs are guaranteed, but no contribution towards the burial plot is included.

Are plans flexible to allow changes or additional items to be added e.g. extra limousine?

Yes

Any contributions you make will increase each year in line with Retail Price Index (RPI).

No

No

Can I make additional contributions towards Special Requests during the lifetime of the Plan?

Yes

Any contributions you make will increase each year in line with Retail Price Index (RPI).

No

No

24 hour access to bereavement and advice counselling?

Yes

No

No

We've introduced new pricing, you can now save up to £286* on our Funeral Plans. 

More than 743,000 people have chosen to arrange their funeral in advance with Dignity, more than any other provider. 97.7% of people surveyed^ would recommend us to others, so you can rest assured that you and your family will receive the very best service.

Dignity Funeral Plans prices valid until June 30th 2017.

Information accurate as of 30/3/17 - Golden Charter's £940 contribution is one amount which is used to cover all 3rd party fees.
^Source: Dignity PLC Annual Reports and Accounts 2016
*Saving of £286 based on 2016 online price of Diamond Plan at £4,285 and new price at £3,999