Questions to ask when preplanning a funeral
If you’re thinking of taking out a prepaid funeral plan, naturally, there’s likely to be a few prepaid funeral plan questions to take into consideration. That’s why we’ve put together a list of the questions to ask when preplanning a funeral – including queries about how safe your plan is, and costs and payment plans.
Funeral Plans – Frequently Asked Questions
How do I know I’m paying the right price for my plan?
We’ve always encouraged our plan holders to take out an Open funeral plan directly with their preferred funeral director. This way, you get what you want at the price you should be paying. However, we recognise that there are people who want an accurately priced funeral plan, but don’t really want to visit a funeral home - and we understand that.
That’s why we offer an accurate pricing service - our online prices are just guides but these same plans would be different prices all over the country depending on where you are and which funeral director you choose. So, we’ll do the work for you. Find out more about the plan price for your funeral director from our guide.
What if I want a burial?
As costs and arrangements can vary dramatically throughout the UK it is essential that you discuss these issues with us directly or with your local independent funeral director. Feel free to call us for more information and to discuss your needs.
What happens if I die while on holiday or away from home?
Your funeral director will arrange collection from anywhere in the UK, although a fee may apply. If you die abroad, repatriation costs will be incurred. Please check that your normal travel insurance policy covers this.
How can I pay for my funeral plan?
There are a number of ways:
- You can pay securely online through this website
- You can pay by cheque or bank transfer
- You can pay over a number of months, interest free over 12 months or up to 10 years (with charges that add to your plan value not to our bottom line)* by direct debit.
Feel free to contact us directly by email or phone to discuss payment if you wish to.
What if I die before I have paid in full?
The plan will continue as you have requested, and your estate or relatives will pay the difference between the plan value and the cost of the funeral.
Are prepaid funeral plans safe?
Wondering if your money is safe? Your payment is made into the Open Prepaid Funerals Trust Fund where it is managed by a board of trustees and investment managers. The trust fund is a separate entity and independent from Open Prepaid Funerals Limited. The trust fund is invested in a wide range of options to target long term growth.
Can I choose my Funeral Director?
We normally nominate a funeral director for you when you take your plan out with us directly, but if you have a preference, please let us know and we'll speak to them on your behalf. Of course, you may choose to arrange your plan with an independent funeral director - if this is the case, simply talk to us to discuss this route.
Do I have to add third party costs?
No, you don’t – but we do recommend it. If you do choose to add a contribution towards disbursements, currently suggested at £1,100, they may be covered at the time of need. Unfortunately, because disbursement costs are not set by funeral directors the rate at which these costs increase are not in the control of the funeral director.
Can I personalise my plan?
The Open Plan is designed to be as personal to you as you wish; choose one of the standard prepaid funeral plans and personalise that with your own preferences including readings, songs, hymns, flowers, donations to charity and more. We can also help you to create a completely unique plan to you either directly with us or through a local funeral director. Just get in touch with us for more details.
Is the company independently owned?
Open Prepaid Funerals Limited is a privately owned UK based company and has been successfully operating since 2003.
What happens if I move?
If you move location, we will endeavour to place your plan with a newly nominated funeral director local to your new residence. Should you wish to, we will keep you involved in this process.
If I propose a Funeral Director, are they guaranteed to accept my plan?
We have a very high rate of plan acceptance because we are able to show funeral directors why Open is such a good choice for them - and we are a registered provider with the Funeral Planning Authority.
However, if your preferred funeral director doesn't want to accept your Open plan, we'll propose an alternative funeral director to you. If you're not happy with our proposal, we'll give you a full refund of any payment you have made towards your plan.
Can I cancel my plan?
You can cancel your plan at any time by contacting our customer enquiries department on 0330 660 0072. If you cancel your plan within 30 days of us notifying you that your plan is created on our system, we will refund you your payment in full, including the plan setup administration fee of £195.00. If you cancel your plan at any time after our 30-day cooling off period, we will refund your payment less the original administration fee of £195.00.
Unlike many plan providers, there are no additional cancellation charges with Open. For example, if you took out an Open plan through an independent funeral director and their plan costs were £3,500.00, the total amount payable to Open would be £3,695.00 (£3,500.00 plus £195.00). The amount that we would refund to you if you cancelled after the 30-day cooling off period would be £3,500.00. We think that's fair and that you shouldn't be penalised for a change in circumstances - don't be afraid to check other providers terms and conditions and ask questions. We would make any refunds to you within 30 days of receiving your cancellation request in writing.
If you haven’t had your prepaid funeral plans questions answered, please get in touch with a member of our helpful team. Alternatively, browse our prepaid funeral plans to find standard and bespoke options for your funeral plan.
* A charge is made for instalment payments between 12 and 240 months which is equivalent to an APR of 4.9% however all of these additional charges are applied to the value of your plan and is not a way for us to make profit.