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Save £100 when you purchase two funeral plans together. Call us for more details.
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Buy your funeral plan today and pay in January for peace of mind this Christmas. Click here for full T&Cs.
Two Together: Save £100!
Save £100 when you purchase two funeral plans together. Call us for more details.
Buy now, pay in January
Buy your funeral plan today and pay in January for peace of mind this Christmas. Click here for full T&Cs.
8 minute read
People often assume that a Direct Cremation and a ‘Pauper’s Funeral’ are the same thing. In some ways, this is understandable, as they share some similarities, but there are some key differences between them which are important to understand.
More and more of us are looking to personalise our funerals so that they reflect who we were in life, whether through our interests, hobbies, tastes, or our identities. That might help to explain why Direct Cremation has become more popular: it’s a flexible, more personal kind of funeral ceremony, often unattended, that allows people to leave some of the traditional formalities to the side. People can then have a more special and celebratory send-off later on, or not, as preferred.
But funeral practices are not just changing because of an increasing demand among people for self-expression. Sadly, the costs of living and dying are also having a big impact on the way that funerals are happening in the UK: namely, the increasing frequency of the ‘Pauper’s Funeral’.
Below, we’ll take a little look at the meaning of the term ‘Pauper’s Funeral’, and how it differs from a Direct Cremation.
A ‘Pauper’s Funeral’, known more officially by the name, ‘Public Health Funeral’, is a kind of ceremony which a local council is legally obliged to arrange for someone who has died within their boundaries.
They are happening more and more due to the financial impact of COVID-19 and the cost-of-living crisis in the UK. According to a recent study by the Mirror, one percent of all funerals in the UK in 2021 were ‘Pauper’s Funerals‘. Similarly, the New Statesman found that the frequency of the ‘Pauper’s Funerals’ has doubled since before the pandemic in the UK’s poorest areas.
Like a Direct Cremation, they are a stripped-back type of service, but they normally forgo absolutely everything that isn’t strictly necessary. With a Direct Cremation, the organiser might actively choose to let go of some of the formality because that’s what they’re more comfortable with. But, sadly, with a ‘Pauper’s Funeral’, there isn’t a choice: the only option available to the person who has died is the most austere ceremony possible, even if they may have wanted something grander.
According to the UK Government’s own guidance for local councils, they are legally required to carry out a ‘Pauper’s Funeral’ for public health reasons. Strictly speaking, anyone who dies without next of kin, or whose surviving next of kin are unwilling or unable to organise things, is eligible for a ‘Pauper’s Funeral’. This is often the case with homeless people, for instance, who will likely have died without the means to fund their own funeral, and whose next-of-kin are often impossible to trace.
If a family is in the position of needing a public health funeral, the local council should pay for it. First, though, they need to satisfy themselves that the family requesting it is unable to pay for things themselves, or with the estate of the deceased, and they also need to receive notification in writing that the family is giving up responsibility for the funeral.
Depending on where in the UK the funeral will be, the ashes of the deceased may or may not be returned to their family; some authorities allow it, others don’t. In 2018, ITV News reported that British people face being entered into a postcode lottery when it comes to the availability of Public Health Funeral services from the local government. It means that for standard elements of the funeral process, like the return of ashes, the outcome may differ from place to place.
A pauper’s grave is different to the graves associated with other funerals, in the sense that it is not privately owned by the family of the deceased. This means that it may not be possible to mark the grave in any way that commemorates the buried person. This is usually because, with a Public Health Funeral where there is a burial, it could be that the deceased is interred in a grave alongside someone who has already been buried there, or they may have someone else buried with them later.
The SunLife Cost of Dying Report 2024 suggests that the average cost of a funeral in the UK is £4,141, so the rise in more economical, and Pauper’s, funerals is hardly surprising.
If you are struggling to pay for a funeral, we hope it brings some comfort to know that there are a few options out there for you. The UK Government’s Department of Work and Pensions (DWP) has two different pathways for support: The Bereavement Support Payment and The Funeral Expenses Payment. If you find yourself needing access to the funds inside the bank account of a loved one who has died, in order to pay for their funeral, you may be able to access it via the Grant of Probate scheme. Most banks have trained teams ready to deal with specific questions about bereavement too.
Buying a funeral plan is something many people do in order to keep costs down. Legal & General have projected an 84% increase in funeral costs in the UK over a 20-year period (2003-2023). By 2033, the average cost could be £6,259. Buying a funeral plan allows you to lock in today’s prices, and you can even split the cost into manageable instalments, if you prefer.
A Direct Cremation ceremony, as mentioned, allows you to forgo many of the added formalities and extras associated with typical funerals. Not only does this mean that it might suit you if you are not keen on things like hearses, funeral processions or pallbearers, but you might also save money in the process. Aura’s Direct Cremation services start at prices between £1,095 and £1,595, depending on whether you require a funeral imminently or one of our plans.
You have complete freedom to choose as extravagant or as low-key a celebration-of-life as you like for the deceased. For example, you could have a simple movie night watching some of their favourite films with family and friends, or a board-game night. You can find some more budget-friendly celebration-of-life ideas on our blog. Of course, whether it’s a Public Health Funeral or a simple Direct Cremation, these send-off ideas can be enjoyed by all.
People sometimes find that taking out a life insurance policy can help make things easier for their families when the time comes for their funeral. Depending on your age at when you take out the policy, there could be a greater or lesser benefit amount, and some providers also allow for a funeral benefit option, which can contribute to funeral costs.
Make sure that you’ve understood what different companies are offering in terms of funeral options, so that you can make an informed decision about what will work best for you. You might be surprised by how far the price of a funeral can vary from provider to provider, even if the service is essentially the same, so it pays to be prepared. You can head to reputable third-parties like Trustpilot, to see what customers are saying about the kind of service they’ve received, or to Martin Lewis’s Money Saving Expert for objective, consumer-focused analysis of what’s out there on the market.
The difference between these two types of funeral is hopefully clear by now, but just to reiterate, it’s the personal choice and circumstances that make all the difference.
A Direct Cremation, while it can be minimalistic, and while its increasing popularity could be explained by its cheaper-than-average price, is different and more complicated than that. It allows someone to avoid traditions or formalities that they are not comfortable with, especially if they weren’t religious. It even lets them add personal touches to their ceremony, like words or music special to them, or a customised coffin. Even David Bowie had a Direct Cremation ceremony without any attendees present, just like the kind of service offered by Aura.
If you have any questions about Direct Cremation, or would like more information about any of our funeral plans, please don’t hesitate to get in touch with us via our website, or by giving us a call. We’d be very pleased to hear from you.
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