The costs of a funeral can vary considerably, depending on a wide range of factors, and it is impossible to give an average figure. The overall cost of a funeral is made up of a two elements – our charges for the services and items which we provide, and the fees and charges of the third parties involved, such as crematoria and cemeteries, churches and officiants, doctors and potentially a number of others such as newspapers, florists, stonemasons and providers of alternative funeral vehicles.
We are very open about our charges, which are available in our Brochure and Price List, which can be downloaded here or obtained from our funeral homes. This document includes a Funeral Cost Calculator to help you to work out the approximate cost of the funeral.
We are happy to give an estimate of the likely costs of a funeral, either in person or on the telephone, before a commitment has been made to entrust us with funeral arrangements. Please contact us if you would like to discuss funeral costs with a member of our team.
As part of a funeral arrangement meeting, we will provide an estimate of these costs, and discuss with you how these costs are to be met. We request part of these costs – in most cases only the third party fees – prior to the funeral, and send an account for the remainder of the costs after the funeral has taken place.
Help with funeral costs
We realise that, for some, meeting funeral costs can be difficult, and funds are not always immediately available.
In collaboration with Braemar Finance we offer the ability to pay for all or part of the funeral costs by instalments over terms of between 1 and 5 years, with a typical APR of 14.9%, subject to status and acceptance.
The process begins with completion of a simple application form at the time the funeral is arranged. During office hours, a decision will be received from Braemar Finance in around 20 minutes. For more information or to calculate the monthly costs, please contact us or ask your Funeral Arranger.
In certain circumstances, those arranging a funeral may be eligible for assistance from the DWP social fund.
To qualify,both you and anyone else who shares the same relationship with the deceased as you, must be receiving one of a number of benefits, including Income Support, Council Tax Benefit, Disability Working Allowance, Family Credit or Housing Benefit. Any money in the deceased’s estate will be deducted from the amount you are awarded.
Any payment made will be only a contribution towards the overall cost of the funeral, and all costs over and above the payment made by DWP remain the responsibility of the person who has arranged the funeral, and will need to be paid in advance of the funeral. For more information on help with funeral costs, please read our leaflet which can be downloaded here.
If you would like to talk to someone about funeral payments, get in touch with your Department for Work and Pensions (DWP) or talk to someone at an advice centre such as Citizen’s Advice Bureau. They will be able to advise you on the type and amount of financial help you can expect, based on your personal circumstances.
Lower cost options
We have signed the Fair Funerals Extended Pledge to offer lower cost options and publish our charges on our website.
Our Limited Service Option is available for those who wish to keep funeral costs to an absolute minimum. This excludes many of the options and services which form part of a traditional funeral.
The coffin is conveyed to the place of committal by our Chrysler vehicle instead of a traditional hearse, and we provide a minimum number of staff to assist the family to handle the coffin themselves.
For those who do not wish to hold a funeral service at all, our Direct Burial or Cremation Option is available.
Full details of these options can be found on Page 30 of our Brochure and Price List.
How to pay
When we arrange the funeral with you, we’ll issue you with a full written estimate itemising our costs, and those of third parties that we’ll be paying on your behalf, such as crematorium and newspaper fees. In most cases, we will request payment of these third party fees prior to the funeral. In certain circumstances, such as when the Limited Service or Direct Options have been selected, we request that the full amount be paid prior to the funeral.
For all outstanding balances, we’ll then issue a funeral account after the funeral and payment is due within 7 days by cash, cheque, debit or credit card or bank transfer.
If paying for the funeral is a problem, please let us know at the time of making the arrangements and we’ll discuss the various options available.