You have 30 days from the date you receive the Agreement to decide that the arrangements you have made meet your requirements and that you do not wish to cancel the Plan. If you do decide to cancel the Plan, you must:
- notify us by completing and returning the cancellation form entitled “Notice of the Right to Cancel” which will be included with the documents that make up your Agreement or
- otherwise notify us in writing, by telephone or by email;
Distinct Funeral Plans Limited, Oak Tree Court, Brookfield Drive, Cannock, Staffordshire WS11 0JN
0808 296 7221
Any notification of cancellation should specify all of the following details:
(i) the Plan number; (ii) the full name and address of the Covered Individual
(iii) the Covered Individual’s date of birth; and (iv) a telephone number and/or email address for contact purposes should there be any issue with the cancellation.
There will be additional security questions where the Plan is cancelled by telephone
or by e-mail.
Plans paid in one single payment or instalment payments of up to 12 months
For plans taken out up until 31st December 2022, if you decide to cancel, we will refund all the money you have paid. We will do this within 14 days of us receiving notification of cancellation.
In the event that the Plan is not used and cancellation is requested after the death of the Covered Individual we may require additional information from the person cancelling the Plan before we can complete the cancellation.
Any refund due will be made to the person who originally paid for the Plan or to the Planholder’s estate.
We may cancel the Plan by giving notice to you if:
- an instalment remains unpaid more than 60 days after it is due;
- a funeral director is appointed independently by you who is not part of our approved network;
- the funeral is to be conducted outside mainland Great Britain; or
- the funeral cannot be performed because of circumstances outside our control (for example war, terrorism, riot or the occurrence of a pandemic or epidemic).
If we cancel the Plan, we will refund any money you have paid and we will have no further obligations to provide the services set out in the Plan.
We may make any changes we deem reasonably necessary to the services that are provided under the Plan (including reducing or removing any part of the services or making any other alteration in the type of services provided), as a result of circumstances arising which are outside our control or outside the control of the Funeral Personnel (for example war, terrorism, riot or the occurrence of a pandemic or epidemic). To the extent that we make any such changes so that the services provided under the Plan are of reduced quality or capacity to the original services that would have been provided, we may (at our discretion) adjust the price of the Plan by an equitable amount, and in such case, we will refund any such amount that you have already paid. Any refund will be made to the person who originally paid for the Plan or to the Planholder’s estate.
If the Personal Representative does not agree to the alternative arrangements, we may cancel the Plan and refund to the Planholder’s estate any monies paid to date.
The Plan is designed to cover funeral costs and is not an investment product, and we will not pay interest on money refunded.
5 or 10 year monthly instalment option
If you cancel a plan taken out over 5 or 10 years and cancel after the moratorium period, your instalments will stop. You will not be entitled to any refund of the money you have already paid.
Value Added Tax (“VAT”)
VAT is not currently charged on a funeral service. However, if VAT or any other form of tax becomes chargeable on a funeral service or part of it in the future, you or your Personal Representative must pay the VAT or additional tax at the time of the funeral.