How to choose the right prepaid funeral plan provider

- 11/11/21

As funeral costs continue to rise in the UK, more and more people are embracing prepaid funeral plans as a way to ensure their loved ones are not left with unexpected expenses after they’ve passed away[1].

The specifics of prepaid funeral plans vary between each provider. For this reason, anyone thinking about investing in one should first make sure they fully understand the costs and decisions involved before purchasing.

We’ve put together with a list of things to look out for when thinking about arranging a funeral and choosing the right prepaid funeral provider for you.

Think about your requirements

Before you start looking at potential plan providers, it’s important to have an understanding of what you want. By having an idea of what you want before you start looking around, you’ll be better able to recognise who’s plans align with your needs. You’ll be better able to discuss your needs with them, letting you arrange the funeral you want. A prepaid funeral plan also removes any extra stress that may be placed on your family at an already distressing time.

Whether you’re looking for a simple direct cremation, or would prefer a fully attended ceremony, different plans will allow for different inclusions. Making sure your wishes are met and planned for in advance will mean you have your desired send-off when the time comes.

Compare different plans

Take the time to understand exactly what is and isn’t covered in each plan you consider. Sometimes, there can be hidden costs, such as the funeral director’s expenses, that aren’t disclosed upfront.

It’s important to not only take the cost of plans into account but also the features on offer. For example, does your chosen plan include the return of ashes? And does it allow for your desired number of attendants? Try making a list of your ‘must-haves’ and compare this against what the plans offer before buying.

Do they offer the type of funeral you’re after?

Funerals come in all shapes and sizes, so most plan providers offer multiple options which provide different services. Make sure that the plan you choose covers everything you need.

From unattended direct cremations to a traditional burial, there are plenty of options available. This is why it is so important to first decide on your wishes and then find a plan to suit. You will find that different plan providers specialise in different funeral arrangements.

At Distinct Cremations, we offer three different prepaid funeral plans to suit your needs:

The Individual Cremation Plan provides a full care and preparation before a simple unattended direct cremation. Our best value plan, best suits those looking for a no-fuss funeral.

The Discreet Cremation Plan offers everything included within an Individual Cremation Plan with the addition of a short service attended by a small congregation of mourners at the crematoria of your choice.

The Complete Cremation Plan features everything included within Individual and Discreet Cremation Plans but with an unlimited number of mourners, longer service and your choice of time and date for the service.

Does the plan provider have adequate mortuary and transport facilities?

There are lots of funeral plan providers out there, but not all have the same standard of facilities at their disposal.

To ensure the deceased are treated with the utmost care, respect and dignity, we recommend taking time to find a provider with a proven track record for quality.

Be wary of providers who stipulate that the deceased can only be collected from hospitals or mortuaries - this often indicates a lack of sufficient transport and care facilities.

If you choose a cremation plan with us, you’ll be guaranteed quality and professionalism from collection and preparation through to cremation. Our highly trained team operates from our own purpose-built hub which features state-of-the-art mortuary facilities professional mortuaries and a fleet of specialised funeral ambulances.

Be clear on optional services

Most prepaid funeral plans are relatively comprehensive and cover all aspects of funeral arrangements. Some include the provision of all necessities like transport and care of the deceased as well as providing them with a coffins ahead of the funeral. If you’d like to arrange any of these things yourself outside of the plan’s provisions, make sure you check how flexible the providers can be.

There may also be additional extras you can add on to your plan if you want them. These can include things like flowers or family transport on the day of the funeral. It’s important to not feel like you have to spend more than you’re comfortable with – there’s nothing wrong with a simple plan if that’s what you want.

In fact, 10% of Britons said they felt pressured to spend more money than they wanted to on extras when arranging a funeral[1].

Check coverage in your area

It’s not uncommon for plan providers to only operate within a certain area (usually within a defined radius of where they’re based). This means it’s vital that you ensure your plan provider is able to service the area where you, or your family, live.

While Distinct Cremations are able to service the entirety of mainland England, Wales and Scotland, this isn’t the case with all funeral providers.

Choosing prepaid funeral plans from Distinct Cremations

At Distinct Cremations our focus is on providing dignified, high-quality, affordable cremations without the pomp and ceremony of a traditional funeral. All of our cremation plans include transport, professional care in our mortuary, cremation costs as well as the provision of a simple coffin.

Our customer support team are available to guide you through the process of selecting the right plan for you. You can either give us a call, request a call back or fill out a contact form to start the process. You can arrange your plan over the phone, by email or by post, removing the need for face-to-face meetings. By managing your care from start to finish, we’re able to offer professionally managed, affordable funerals, saving you both time and money during a difficult time.

Contact our team today for more information or to begin the process of choosing the right cremation plan for you.


  1. SunLife (2021)

Distinct Cremations is a trading name of Distinct Cremations Limited I Registered in England, No. 13366310 and Distinct Funeral Plans Limited (Prepaid Funeral plan provider) I Registered in England, No. 13366327 | Registered Office Westerleigh Crematorium, Westerleigh Road, Bristol BS37 8QP | Part of the Westerleigh Group |