The Cost Of A Funeral

Once you have made your choices, we will give you a written estimate of the cost. If at this stage, you would like to change anything, we will help you to do this.

Please note: any changes you make may affect the cost of the funeral.


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The cost of the funeral is made up of the following:

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Professional services including appropriate advice and support, liaison with third parties and personnel required to arrange the funeral

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Supplementary charges including bringing your loved one into our care, presentation of your loved one and provision of a hearse

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The cost of the coffin or casket

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Additional charges such as limousines, additional mileage and ashes casket

Finally, any payments made to others on your behalf, known as disbursements. These include doctor’s fee, minister’s fee, cremation fee, etc. We kindly ask for payment for these prior to the funeral service taking place. Until payment is received any times arranged will be provisional.

If you require other services and need advice, please don’t hesitate to ask.

We will give you a courtesy call before the funeral to confirm all the details and answer any final questions that you may have. However, please do not hesitate to contact us at any time should you need assistance.

If you think you cannot meet the costs of the funeral, you should discuss this with us at the time of arrangement. We have information on who may be eligible for the Social Fund and how to make a claim. Payment can only be authorised by the Department for Work and Pensions (DWP) who will also decide the amount of payment. If you do not qualify for payment, we may be able to advise on other forms of assistance. Please remember that you are personally liable for any amount in excess of the agreed payment by the Department for Work and Pensions (DWP), or indeed the whole invoice amount if a payment is not received.

You will receive your invoice within 7 days of the funeral. If there is any part of the invoice you do not understand or agree with, please contact our funeral home who will be happy to help. The invoice may be paid in person at our funeral home or at any bank or post office, or by post. You can pay with cash, by cheque or with a debit or credit card. If you wish the invoice to be referred to a solicitor, please advise us as soon as possible to ensure that this information is added to our records. However, you will remain responsible for the account being paid in accordance with our terms and conditions. The costs of a funeral are defined as a debt against the estate so you may be able to arrange for the funeral to be paid by the estate rather than paying this amount yourself. For free legal advice and support on how to proceed, please call our legal experts on 0330 606 9561. This service is provided by The Co-operative Legal Services.

On The Day Of The Funeral

You can be assured that we will take care of everything on the day of the funeral. We will make sure that the funeral proceeds on time, in a proper and dignified manner, legally and with respect for religious and local custom and in accordance with your expectations.

Want to spread the cost of the funeral?

If you would rather not pay a deposit before the funeral, and then spread the cost over a longer period, you may be eligible to apply for a funeral loan through our partner Funeral Safe. You can find details on loan amounts and repayments, eligibility and details on how to apply here.

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Our Experienced Teams Are Here To Support You... 

Co-op has been supporting bereaved families for over 100 years, and now, our Bereavement Notification Service is available.

It offers practical support and guidance when you need to deal with the affairs of a loved one who has passed away.

For further information, please download our brochure below:

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