What is the average cost of a UK funeral?
We all need to save for those rainy days and expenses in life, such as when your washing machine breaks or your boiler starts to leak. However what is surprising is that many people do not save for the one inevitable fact in life, for when they die.
In 2015 Bath University carried out research on the subject of funeral costs and found that the average cost of a funeral in the UK is a staggering £3,600.
Therefore with this average cost of a funeral in mind, and knowing that it will only increase in the years to come, now is the perfect time to start saving and to start making those all important funeral plans.
Pre paid funeral plan
As the name suggests, when you start a pre paid plan with an insurance provider, you start saving for your funeral today with funeral costs frozen at the time you start the policy. As already discussed, with the average cost of a funeral increasing in time, there really is no time like the present to start that plan.
No matter if you choose a funeral provider or funeral director, paying for your funeral is flexible. People can choose to pay at once, in monthly instalments over a year, or even for as long as 60 months. Of course, the longer the agreement, the higher the interest rate, but this does allow greater flexibility if finances are tight. To find a reputable funeral director, the National Association of Funeral Directors are there to help you.
Check your plan
When deciding what pre paid plan to go for, you really do need to check the fine details and what is actually included. Is a church service or a chapel of rest included? Is there a limit placed on the distance that a funeral company will travel in which to pick up the deceased? So do check these details before you sign the dotted line.
Average cost of funeral plans
How much you pay for your plan, very much depends upon whether you chose a basic, standard or complex plan. Basic plans can start from as little as £3,265 with the Co-Operative, all the way up to £5,100 with the Families Funeral Trust. Who you choose to go with depends upon your financial situation and funeral requirements.
At the end of the day, as well as giving yourself peace of mind, you are financially looking after those loved ones who are left behind. With the average cost of £3,600 pounds you really will be saving them money and making this difficult time in their lives a more manageable one.
Further Help With Funeral Costs More detailed Insight Below
Funerals are very expensive and paying all the costs up front can be very difficult for a grieving family. With the average cost of a funeral having been recently estimated at around £7,000, finding such a large sum can be a challenge and can cause loved ones to have to take on debt in order to settle the bills. There are some ways to find help with funerals costs, depending on circumstances, and this article looks at some of these.
If you need help with funeral costs and you are on a low income, you may be eligible to receive low income state benefits. The Social Fund can supply a sum of money to put towards the total cost depending on the circumstances of the family. This money can be used to help pay for the exclusive use of a burial plot and burial fees or cremation fees and the necessary doctor’s certificate. This sum can also be used to pay for travel costs for attendees or transportation of the body for distances of over 50 miles. Up to £700 may be granted to pay for other expenses such as flowers and a coffin. The Social Fund money will go directly to the funeral director, unless they have already been paid, in which case the sum will be paid directly into your bank account. If you are eligible to receive these benefits, you may be required to pay back any money that you have been granted if you inherit any assets from the deceased’s estate including property and money. In order to be eligible, you must meet certain criteria. You must have been a close relative of the deceased, often their partner or parent. You must also be in receipt of one of several eligible benefits including JSA, income support, pension credit, housing benefit, disability related working tax credit, child tax credit or universal credit.
Repayment From Estate
If you have to pay the costs for a loved one’s funeral yourself, you should be entitled to claim back the costs from their estate once all secured debts have been paid. However if there is not enough money in the estate to cover the cost, you will have to pay the full amount yourself.
Some funeral directors will allow families to use a flexible payment scheme to cover the funeral costs if they do not have enough money to pay the entire sum up front.
Funeral Insurance and Pre-Paid Plans
The best option if your family needs help with funeral costs in the event of your death is to take out a pre-paid funeral plan or funeral insurance well in advance to cover all costs.
Average Cost of Funeral in Uk
After a death is registered, the funeral arrangements will need to be made. So as we know and according to the research carried out by the Bath’s University, the average cost of a funeral in the United Kingdom If £3,600 (correct as of 2015).
The are several alternatives to assist to lower average cost of a funeral. These will have to be looked into by the person appointed to arrange the funeral.
Normally, the funeral arranging responsibility lies with either close relative such as sibling or spouse of the deceased.
In some cases, someone not related to the deceased takes over. This may are place when the family are too distressed or has no family.
Burial or cremation?
The foremost thing that must be decided is if or not the deceased is to be buried or cremated. Mostly, the deceased will have wishes that they have told you personally or put in their will. You are not objected legally to follow these.
Cremation lower average cost of a funeral, with around 75 percent of All funerals in the UK.
If you choose a burial, you have to find a plot to lease. The law state that the graves can not be leased for more than 100 years. Government give the family affected option to increase the lease after every few years.
Majority of people in the UK prefer to go through the funeral directors to coordinate the service. Funeral directors’ basic packages cost £1900 on average. They will usually offer a range services which may comprise of:
* Staff for the funeral (including bearers)
* Administration charges
* Presentation of the deceased
* Funeral home facilities (for instance the Chapel of Rest)
* Professional services (including liaisons with third parties)
* The cost of the casket or coffin
* Extra services
You may decide to have the deceased embalmed or have additional touches at the service that may not be common with most funeral home packages. You will need to share these with the funeral director.
Below are Services That Are Not Normally Included in Funeral Director Packages and Their Estimated Costs
( figures are estimated by the Money Advice Service)
* Venue hire for wake – £110
* Catering for wake – £370
* Order sheets – £60
* Additional limousine – £230
* Funeral notice in newspaper – £66
* Obituary/ death notice – £77
* Funeral flowers – £150
* Someone to perform the service – £140
* Death certificate (doctors’ certification) – £165
* Burial fees – £1750
* Cremation fees – £660
Keep in mind that some of these services can performed at home, for instance, order sheets and catering. There are numerous ways to save money.
Help to Lower Average Cost Of A Funeral
If the deceased had a civil partiner/wife/husband, the surviving spouse may be obligated to a Bereavement Payment. Which is a one off, tax free payment of £2,000 from the Government. You may claim it over the phone by calling the Bereavement Service on.
If you planing the funeral and you are on a low earning, you are qualified to a Funeral Payment. This is also offered by Government, and the amount you get depends on your conditions.around £700
To Be Eligible, You to Have:
* Meet the duty on your affiliation with the deceased
* Be in receipt of tax credits or certain benefits
* Claim in time
* Bare the obligation of the funeral
The Funeral Payment Can Assist Towards The Costs of:
* The costs for transporting the deceased within the UK (if more than 50 miles)