Rating 10 of the Top UK Funeral Plan Companies
Take a look at the ratings and features of 10 UK funeral plan companies and their offerings for direct cremations. Find a provider that offers everything you need.
Choosing the Right Funeral Plan
To help you make an informed decision, we’ve compiled this guide to the top 10 UK funeral plan companies.
This is based on insights from industry experts at Fairer Finance, Funeral Solution Expert, Money Saving Expert and MoneyMagpie alongside real customer reviews from Trustpilot.
We’ve broken down the key features of each provider, including what’s included in their plans, any additional fees, and how flexible their cancellation policies are. We hope this helps you as you compare funeral plans.
Aura
| Starting price | £1,795 |
|---|---|
| Fairer Finance | 5/5 stars |
| Trustpilot rating | 4.9/5 stars |
| Attended service option | From £2,795 |
Key features:
- Ashes hand-delivered with no extra cost.
- One simple price covers everything: a simple coffin, removal of medical devices, cremation fees and collection within mainland Britain.
- You can cancel anytime with no fees.
- Family-run, with compassionate care at the heart of everything we do.
- Whenever possible, we aim to keep those who have passed close to home, with local care centres across the country.
”Aura offers the strongest and safest proposition based on quality and customer value… They are FSE’s highest-rated plan provider. Their helpline is more than just an order-taking telephone line. Aura Angels offers expert funeral arranging support at the time from the first call all the way through to cremation or completion of a celebration of life service and return of ashes. There is no risk in buying an Aura plan as they are trust-based… and with no cancellation fee, customers who change their mind will lose nothing, extremely rare in the sector.“
Pure Cremation
Key features:
- Price includes the delivery of ashes.
- Paying in monthly instalments will incur extra fees.
- The plan includes cremation fees, a coffin, collection of the person who has passed and the removal of medical devices.
- There is a £350 fee if you need to cancel after the first 30 days of organising your plan.
| Starting price | £2,095 |
|---|---|
| Fairer Finance | 3/5 stars |
| Trustpilot rating | 4.8/5 stars |
Co-op Funeralcare
| Starting price | £1,700 |
|---|---|
| Fairer Finance | 3/5 stars |
| Trustpilot rating | 4.6/5 stars |
Key features:
- Co-op does not offer the option to have ashes delivered. Instead, You can collect them for free from the funeral home.
- Paying in monthly instalments over 2-25 years will incur an extra charge.
- Plan includes cremation fees, collection within 50 miles, a simple coffin and the removal of standard medical implants.
- A £125 fee will apply to those cancelling their plan outside the initial 30 days.
Golden Charter
Key features:
- Golden Charter uses local funeral directors to provide funeral services. This means the delivery of ashes may incur an additional charge, depending on your location.
- If you opt for monthly payments over 2-15 years extra charges will apply.
- There is a £350 fee if you cancel your plan outside of the first 30 days.
| Starting price | £1,950 |
|---|---|
| Fairer Finance | 1/5 stars |
| Trustpilot rating | 4.3/5 stars |
Golden Leaves (Copper Plan)
| Starting price | £1,700 |
|---|---|
| Fairer Finance | 3/5 stars |
| Trustpilot rating | 4.8/5 stars |
Key features:
- The price includes the return of ashes.
- Paying in instalments over 24 to 96 months will incur additional charges.
- The plan covers cremation fees, a simple coffin, removal of medical devices and collection of the person who has passed.
- There is a £325 fee if you cancel your plan outside of the 30 day cooling-off period (This is only if you pay in an upfront lump sum or 24+ month instalment plans. If you pay in a 12 month instalment plan, cancelling is free for 12 months. After this time, the same cancellation fee applies)
Celebration Of Life
Key features:
- The price includes the delivery of ashes at no extra cost.
- Paying in instalments will incur an additional charge.
- The plan covers cremation fees, collection of the person who has passed, a simple coffin and the removal of medical implants.
- Cancelling your plan past the first 30 days will incur a £99 fee.
| Starting price | £1,650 |
|---|---|
| Fairer Finance | 5/5 stars |
| Trustpilot rating | 4.9/5 stars |
Avalon
| Starting price | £1,675 |
|---|---|
| Fairer Finance | 3/5 stars |
| Trustpilot rating | 4.9/5 stars |
Key features:
- The delivery of ashes is included in the price.
- Paying in instalments over more than 12 months will incur an annual charge.
- The plan covers cremation fees, collection of the person who has passed, a simple coffin, and the removal of medical devices.
- There is a £395 fee if you wish to cancel your plan past the first 30 days.
With Grace
Key features:
- The return of ashes is included in the overall cost.
- This plan covers cremation fees, collection of the person who has passed, and a suitable coffin.
- Paying in instalments over 2-5 years will incur an added charge on each payment.
- There is a £99 cancellation fee once the initial 30 days have passed.
| Starting price | £1,595 |
|---|---|
| Fairer Finance | 5/5 stars |
| Trustpilot rating | 4.8/5 stars |
Crystal
| Starting price | £1,425 |
|---|---|
| Fairer Finance | 2/5 stars |
| Trustpilot rating | 4.6/5 stars |
Key features:
- Free delivery of Ashes
- You can spread the cost of your plan over 24 months with no instalment fee.
- Cremation fees and a suitable coffin are included in the plan.
- In some circumstances you may also have to pay additional fees for pacemaker removal, out-of-hours collection, or if the person who has passed is not resting in a hospital, hospice, or mortuary.
- Once the first 30 days have passed, there is a £249 cancellation fee.
Choice
Key features:
- Ashes can be collected for free, but delivery will incur an extra charge.
- Spreading the cost for longer than 12 months will come with instalment fees.
- The plan includes cremation fees and a coffin, but collection charges may apply if the distance is over 60 miles from the nominated funeral director.
- There is no charge if you need to cancel after the 30-day cooling-off period.
| Starting price | £1,895 |
|---|---|
| Fairer Finance | 4/5 stars |
| Trustpilot rating | 4.9/5 stars |
Plan ahead with Aura
Planning ahead isn’t just a practical decision, it’s about making things easier for the people you leave behind. At Aura, we’re here to help you do just that.
Our simple, all-inclusive funeral plans take the worry out of future arrangements, giving you peace of mind and easing the burden on your loved ones.
Founded by Paul Jameson to bring comfort and clarity to families, we believe everyone deserves a meaningful send-off without stress or uncertainty. With our top-rated plans and a caring team by your side, you can rest easy knowing everything is taken care of.
Trusted by thousands across the UK already, we are here to help you plan ahead.
We won’t hassle you with endless calls, we’ll just offer compassionate care and transparent information.
Call our friendly team for more information
If you have any questions, would like a brochure or simply would like a chat through our services, our award-winning team is here to help.
Unlike other providers, we won’t hassle you with constant calls. We’ll simply ensure you have the information you need and leave you to come to a decision in your own time. When you’re ready for us, our team will be ready to help.
FAQs
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What are the best funeral plan providers in the UK?
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The best funeral plan providers in the UK offer financial security, transparent pricing, and comprehensive services with no hidden costs. Reputable providers are usually regulated by the Financial Conduct Authority (FCA) and have strong customer reviews.
Families choose Aura as their provider as our direct cremation funeral plans are five-star rated by both customers on Trustpilot and experts at Fairer Finance. We provide an affordable, compassionate service that offers peace of mind to you and those you leave behind.
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How much does a prepaid funeral plan cost in the UK?
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The cost of a prepaid funeral plan in the UK varies depending on the type of service and provider you choose. Aura offers competitively priced, all-inclusive direct cremation plans with flexible payment options, ensuring affordability without hidden costs. Our unattended plan starts at £1,795 and our stripped-back attended plan options start at £2,795
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How do I know my money is safe in a funeral plan?
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To ensure your money is safe in a funeral plan, choose a provider that is regulated by the Financial Conduct Authority (FCA). FCA-regulated providers must keep customer funds in a secure trust or insurance policy, meaning your money is protected until it is needed. This also means you will have FSCS protection which covers your funds in case your provider goes out of business.
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What does a funeral plan include?
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A prepaid funeral plan typically covers the essential services needed for a cremation but inclusions vary by provider. Aura’s funeral plans are all-inclusive, meaning every service you need for your funeral will be covered. There are no hidden costs or extra fees, ensuring your family won’t be left with unexpected expenses.
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Should I buy a prepaid funeral plan?
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Only you can know the best option for you and your family. A prepaid funeral plan can be a good choice if you want to lock in today’s prices before any potential rising costs and ensure your family won’t have to face difficult decisions when the time comes.
However, it’s important to compare funeral plans, check for FCA regulations, and ensure the plan suits your needs.