Funeral Plan Key Features Summary

About this Key Features Summary

This document is intended to provide you with a summary of the key features and benefits of the Distinct Cremations Prepaid Funeral Plan to allow you to assess whether it meets your requirements. Please refer to the Plan literature and the [)Terms and Conditions](/plan-terms/ that accompany this document for full details on the Plan

What are the Distinct Cremations Prepaid Funeral Plans?

Our Plans let you pay for certain funeral costs in advance and includes a cremation.

Who are Distinct Cremations?

Distinct Cremations are a direct cremation and funeral plan provider who, with our parent company the Westerleigh Group, owns all the facilities necessary across mainland Great Britain to be able to take care of the deceased throughout the whole cremation process. Distinct Cremations is the trading name of Distinct Funeral Plans Limited, a member of the Westerleigh Group that have been assisting and providing families with quality services in beautiful settings for over 30 years.

Who are the Westerleigh Group?

Distinct Cremations Limited are wholly owned by the Westerleigh Group Limited. Westerleigh cares for around 50,000 funerals a year and is the UK’s largest privately owned Crematoria operator.

Who is the Distinct Cremations Prepaid Funeral Plan for?

Unless advised otherwise in writing by Distinct Cremations, you can have a Distinct Cremations Prepaid Funeral Plan if the person who the funeral is for is aged 18 or over. The cremation must also take place in mainland Great Britain.

What will the Distinct Cremations Prepaid Funeral Plan provide?

The Distinct Cremations Prepaid Funeral Plan will provide the guaranteed services included in the Plan. Provided that the Plan is paid for in full there will be nothing further to pay for the guaranteed services covered by the Plan.

All Plans guarantee to cover the following services:

  • Guidance by our professional telephone team 24 hours a day, 365 days a year.
  • Support to help you to complete and sign the necessary paperwork for the cremation to proceed
  • Collection and transport of the deceased within Great Britain in a specialist funeral vehicle.
  • Bringing the deceased into our own mortuary professional facilities.
  • Care and preparation of the deceased, who will be dressed in a simple gown for cremation
  • A simple coffin and urn -The cremation service and fee -Return of ashes or option to have them scattered in our gardens of remembrance.

What won’t the Distinct Cremations Prepaid Funeral Plan provide?

It does not include any kind of service, procession or the services of a minister or celebrant. Other items listed below are also not included: Embalming. The cost of special requests such as memorials, flowers, catering, newspaper obituaries. The cost of removal of mechanisms such as pacemakers (which must be removed before a cremation). Any additional charges that are passed to us due to changes in regulations, tax, laws or generally accepted practice. The cost of repatriation from outside mainland Great Britain. Any Doctors fees and; Coroner fees. Fees for a celebrant or minister to conduct the service. Transportation in a hearse, or the provision of limousines. Viewing the deceased once taken into our care. Dressing the deceased in specific clothing or with personal belongings.

Other Plan limitations include: If the Plan is paid for by instalments and the cremation funeral is required before the final payment has been paid, your Executor would have to pay the outstanding balance before the funeral takes place. Any taxes. Value Added Tax is not currently charged on a funeral service. However, if this or any other tax becomes chargeable on a funeral service or part of it, your Personal Representative must pay the tax at the time of the funeral.

What are the prices of the Plans?

The Distinct Cremation Prepaid Funeral Plans are designed to meet our customers different payment requirements and needs. For example you can make a single payment or spread the cost of your Plan over 12 monthly instalments at no additional charge. The prices are below:

Individual Cremation Plan £1,475 12 monthly instalments of £122.92 per month Discreet Cremation Plan £1,775 12 monthly instalments of £147.92 per month Complete Cremation Plan £2,245 12 monthly instalments of £187.08 per month

Prices valid at 01/08/2021. Prices are subject to review by Distinct Cremations. If at the point of application, the Plan price has changed for any reason, we will advise you of this before we set up your plan and there will be no obligation for you to continue

Additional Services

There are additional services that we offer and you can find the prices here

How can I pay?

Payment methods include Credit or Debit Card, Cheque and Direct Debit payment over 12 months. You can pay for your plan online, over the telephone by speaking with one of our advisors or, by enclosing payment with your paper application form.

How is the money I pay protected?

The money that you pay for your Plan is paid directly into the Distinct Funeral Plans Trust. The Distinct Funeral Plans Trust is completely separate and legally independent from Distinct Cremations. The Trust is managed professionally and independently by Sterling Trust Corporation. Zenith Actuarial conduct an annual actuarial valuation of the Trust Fund, which determines if there is enough money in the Trust Fund for Distinct Cremations to meet its liabilities and promises to Planholders. JW Hinks, the appointed auditors conduct annual audits of the Trusts accounts.

What happens to the money in the Trust Fund?

All the money you pay for the Plan goes straight into the Trust Funds bank account. From the money held in the Trust: Distinct Cremations Limited is paid an allowance for the marketing, administration and lifetime customer management of the Plan. There are annual costs for Trust management services, audits, valuations and other scheme expenses. The remaining funds after deductions are available to pay Distinct Cremations, after the funeral has taken place, who agrees to provide all the guaranteed services. We publish a Report on the Distinct Funeral Plans Trust annually and it is available upon request.

What happens if there is not enough in the Trust to pay for the funeral?

In the unlikely event that the Trust does not have enough money to cover the future cost of funeral services promised to Planholders, Distinct Cremations would still honour the guarantees made to Planholders. Distinct Cremations is part of the Westerleigh Group who own a nationwide network of crematoriums and even in extreme circumstances should still be able to meet the promises made to Planholders.

How can I be sure Distinct Cremations will still be there to deliver my funeral

The money for your cremation funeral will be protected because it is legally separate from Distinct Cremations. In the unlikely event that we were no longer in business it may however mean that we would be unable to provide the cremation funeral or cover set out in your Plan. If this happened the Trustees of the Trust would work with alternative funeral providers to continue to provide services to Planholders.

What will I be sent after I apply for a Plan?

Once your Application has been received, your Plan will be set up within 14 days and you will be sent your Planholder pack. This will contain confirmation of the Plan you have purchased, the amount you have paid, what is covered and how to claim. It will also contain a pack to be given to your Executor.

What happens if I move home?

You must inform us so we can update our records. There is no charge for this, as your Plan is portable, and all the Plan guarantees will still be honoured.

How to claim

When the person who the Plan is for passes away the Executor should telephone Distinct Cremations at any time 24 hours a day on 0800 047 2026

What happens if my family or representative doesn’t use the Plan?

If the Plan is not found until after the Planholder’s funeral is arranged, or if your Next of Kin or Executor chooses not to use the Plan, they can cancel the Plan and receive a refund of the original amount paid for the Plan less the £95 cancellation fee.


You can cancel your Plan at any time. To receive a full refund of any payments made you must cancel the Plan within 30 days from the date you receive your Planholder Pack and Agreement. We will charge a fee of £95 for cancellations after 30 days. Refunds will be completed within 14 days of the request being received. If you wish to cancel your Plan tell us either by completing and returning the form included in the Planholder Pack, we send you or otherwise tell us by: Post: Distinct Cremations Limited, Oak Tree Court. Brookfield Drive, Cannock WS11 0JN Telephone: 0800 047 2026 Email:

How to make a complaint

If you wish to complain please contact our Client Relations Department who will acknowledge your complaint within 2 working days and will do their utmost to ensure any complaint is dealt with as quickly as possible. Contact details are as follows: Post: Client Relations Department, Oak Tree Court, Brookfield Drive, Cannock, Staffordshire. WS11 0JN Telephone: 0800 047 2026 Email:


The Distinct Cremations Prepaid Funeral Plan is not a regulated financial services product and as such is not regulated by the Financial Conduct Authority or covered by the Financial Services Compensation Scheme. Law English law applies to this agreement. This Key Features Summary applies to Distinct Cremations Prepaid Funeral Plans purchased from 01/08/2021.

Need to Contact us? If after reading this document you have any questions here are our contact details; Post: Distinct Cremations Prepaid Funeral Plans, Oak Tree Court, Brookfield Drive, Cannock, Staffordshire. WS11 0JN Telephone: 0800 047 2026 Email:

About Us

We’re Distinct Cremations and we’re part of the Westerleigh Group. Every year Westerleigh provides more than 50,000 families with high quality cremations, care and support.

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Contact Us

If you need to organise a funeral today please call us 24/7 and we can make all the arrangements. If you have a question about a funeral plan call or message us we will advise you of the best options.

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Free Guide

Read or request your copy of Our Guide to Direct Cremations. The guide will give you step by step details of why a pre-paid direct cremation plan is increasing in popularity and why you should take one out.

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