How much does a funeral cost?
In the UK, the average cost of a burial is £4,321*, whereas the average cost of a cremation is around £3,266*. However, how much a funeral will cost largely depends on not only if you choose a burial or cremation, but elements such as your location, the venue you choose for the wake, if you choose to use a funeral director and more. That’s why we’ve put together this guide which advises you on the average cost of a funeral, and what you need to consider when planning a funeral.
Funeral costs breakdown
So, what should you need to pay for when planning a funeral? The cost of funerals can be broken down into the following sections:
- Funeral director fee
- Burial/cremation fee
- Third-party costs
- Other optional costs
Funeral director fee
The funeral director fee will allow the funeral director to plan the service. There are many things that the funeral director manages both before the funeral and during the funeral service itself. Some of these things include:
- Transferring the deceased to the funeral home
- Handling and managing all necessary legal documentation regarding the death and funeral
- Placing notices of death in the newspaper or online, informing people of the passing
Learn more about what a funeral director does from our detailed guide.
However, when you choose a prepaid funeral plan, the role and responsibilities of the funeral director will be included in the fee. That way, you’re safe in the knowledge that everything is paid and taken care of for your loved ones when you pass.
Burial or cremation?
Deciding between a burial or a cremation is also a consideration in the costs of funerals. Not only is there a vast difference in price between the two, but you must also consider the wishes and desires of the departed. In the UK, the breakdown of average cost for funerals* is as follows
- Burial – £4,321. This will cover the exclusive right of burial, an interment fee and funeral director fees.
- Cremation - £3,266. This will be crematorium fees, collection and care of the deceased, a plain coffin, hearse, fee for cremation certificate from a doctor, and a simple funeral service.
- Direct cremation - £,1700. This will be collection of the deceased, a plain coffin and return of ashes.
Third-party costs, also known as ‘disbursement costs’, essentially refers to the fees you must pay to either bury or cremate the body. In most cases, funeral directors are likely to manage these payments for you as part of their service. Any third-party costs will be attached to your invoice, or included within your prepaid funeral plan.
Other optional costs
There’s always the option to add more optional extras to your funeral service, which can often lead to the funeral costs creeping up. If you’re looking to reduce the price of a funeral, it might be worth considering cutting down on some of these options. Some of these other optional costs can include:
- Funeral notice
- Death notice or obituary
- Venue hire
- Transportation (e.g. limousines)
- Memorial headstone or plaque
- Order of service sheets
- Live music
- Fee to return the ashes (direct cremation only)
- Death certificate copies (several copies will be needed for probate)
How to manage funeral costs
One of the best ways to manage funeral costs is by spreading the cost of the funeral out. A prepaid funeral plan will not only allow you to pay the funeral fee in instalments, but this will also protect you against any rising costs of funerals – locking in the cost of the funeral at a fixed rate.
Secure the price of your funeral at today’s prices with an Open Prepaid Funeral plan – choose from a range of plans including the Simple plan, the Direct Cremation plan, or create a bespoke package to suit you. For more information on our prepaid funeral plans, get in touch with our expert team today.
- Posted 7th December 2020