Even though the cost of burying or cremating a loved one continues to increase every year, you can still pay less than the standard cost of using a funeral director, which is around £3,600. The lowest priced funeral plans are typically under £2,000, though you should be able to find a suitable plan depending on how you want to remember the departed, the funeral elements you can organise yourself, and how much you budget limits.
Unless the death of a loved one is sudden, many people write what they would like for their own funeral in their wills, which could affect the cost. If they did not make any funeral plans for what they wanted, you can simply choose a different kind of funeral plan – without following the instructions left behind – if there isn’t enough money to pay for the extras.
While it is important to take the departed wishes into consideration, it is just as important to work out what you’re willing or able to spend on the funeral. You may have other immediate expenses, or find yourselves having to manager on a lower household income; so it is critical that you stick to your budget.
If the deceased had not pre-paid their funeral plan, it is usually the next of kin, another family member, friend, or person named as the executor in the will, who takes responsibility of paying for the funeral. If none of the people closest to the departed is able to arrange the funeral, or perhaps the estate does not have enough funds, the council usually arranges a public welfare funeral – a very basic ceremony without any extra arrangements, like notices in the local newspaper, flowers, or cars.
Some low income households are entitled to claim certain benefits, so you may want to find out if the Social fund can help you out with some of the essential funeral costs. Funeral Payment from the Social Fund is a government scheme established to help low income people cope with essential costs; though you only have a limited amount of time – from the date of death to three months after the funeral – to make a claim.
The Social Fund recovers the Funeral Payment, afterwards, from the deceased’s estate. That said, they don’t consider the home occupied by the spouse of the departed, or any personal possessions inherited by relatives as part of the estate they can use to recover their costs.
Using a funeral director
Whatever the source of funding, many people prefer to use a funeral director to arrange the funeral. This option takes away a considerable amount of the administrative stress associated with planning a funeral, giving you the time you need to deal with grief.
The lowest priced funeral plans cost about £1,600, and usually include:
Such a package is tailored for clients looking for the most affordable funeral, and does not include a service, flowers, or a cortege. If your budget allows it, you can add around £1,200 to get a funeral plan that includes a funeral procession and service for a proper send off.
Assist Funeral Plans – Lowest Priced Funeral Plans UK Even though the cost of burying or cremating a loved one continues to increase every year, you can still pay less than the standard cost of using a funeral director, which is around £3,600. The lowest priced funeral plans are typically under £2,000, though you should […]