Funeral Plans are only available for people aged 50 or over.
About this Key Features Summary
This document is intended to provide you with a summary of the key features and benefits of the Dignity Prepaid Funeral Plan to allow you to assess whether it meets your requirements.
Please refer to the Plan literature and Terms and Conditions that accompany this document for full details on the Plan.
Our Plan offers a choice of four Prepaid Funeral Plans, which let you pay for certain funeral costs in advance and include the main services for a funeral.
You can have a Dignity Prepaid Funeral Plan if the person who the funeral is for is aged 50 or over and the funeral is to take place in mainland Great Britain, Northern Ireland, Jersey, Isle of Wight or Isle of Man (Limited Plan not available on the Isle of Man).
The Dignity Prepaid Funeral Plan will provide the guaranteed services included in the Plan through a Dignity Nominated Funeral Director when the time comes. Provided that the Plan is paid for in full or the Dignity Promise applies, there will be nothing further to pay for the guaranteed services covered by the Plan.
All Plans guarantee to cover the following services:
Dependent on the Plan chosen, the following are also guaranteed:
If burial is chosen, the Plan will include a contribution of
£1,220 towards third party burial costs in place of the guaranteed Third Party Cremation Costs listed above. We will increase the value of the £1,220 contribution each year in line with the Retail Prices Index (RPI) inflation to help it keep pace with rising costs.
If the Plan is paid for by instalments of 13 months or more, the Plan will include the Dignity Promise. Should the funeral be required before the instalment term has been completed, providing the Plan has been in place for more than 12 months, premiums are up to date and the Plan is not cancelled or lapsed, the Dignity Promise will apply and the funeral services in the Plan will be provided with nothing more to pay.
The Plans do not include:
Any Doctor’s fees and Coroner’s fees.
Limited Plan limitations:
Dignity’s Prepaid Funeral Plans are designed to meet our customers’ different requirements and budgets. For example you can make a single payment or spread the cost
of your Plan over 12 monthly instalments. The prices for these options are:
| Plan | Single Payment | 12 Monthly Instalments |
|---|---|---|
| Limited |
£2,895 |
£241.25 |
| Amber |
£3,295 |
£274.58 |
| Pearl |
£3,650 |
£304.16 |
| Diamond |
£3,895 |
£324.58 |
*There is no extra charge for 12 monthly instalments
The prices listed above are the full Plan price and are valid as at 01/10/2019 to 17/12/2019. Prices are subject to review by Dignity. If at the point of application the Plan
price has changed for any reason, we will advise you of this before we set up your Plan and there will be no obligation for you to continue.
Longer fixed instalment terms are available provided that all payments over any instalment term longer than 12 months are completed by the 85th birthday of the eldest person named on the Plan and the instalment term does not exceed the maximum term available. Plans purchased over a period greater than 12 months will incur an additional fee.
If you buy your Plan in a lump sum or by instalments up to 12 months, you can pay for your Plan by Credit or Debit Card, Cheque or Direct Debit.
If you buy your Plan by instalments of 13 months or more your Plan will need to be paid for by Direct Debit. Your Direct Debit details will be taken at the point you apply for the Plan.
The money that you pay for your Plan is paid directly into the National Funeral Trust. The National Funeral Trust is completely separate and legally independent from Dignity.
All the money you pay for the Plan goes straight into the Trust Fund’s bank account. From the money held in the Trust:
We publish a Report on the National Funeral Trust annually and it is available upon request.
In the unlikely event that the Trust does not have enough money to cover the future cost of funeral services promised to Planholders, Dignity would still honour the guarantees made to Planholders. Dignity owns a nationwide network of Funeral Directors and crematoriums and even in extreme circumstances should still be able to meet the promises made to Planholders.
The money for your funeral would still be protected because it is legally separate from Dignity. In the unlikely event that we were to go out of business it may however mean that we would be unable to provide the funeral
or cover we had promised to provide. If this happened the Managing Trustees of the Trust would work with the remaining Nominated Funeral Directors, and where necessary seek to appoint new Nominated Funeral Directors, to continue to provide services to Planholders.
We are a registered provider with the Funeral Planning Authority and in this scenario other Registered Providers would co-operate in the delivery of the Authority’s “Pledge to Customers” by which the other Registered Providers will examine the ways in which they might assist in delivering the funerals of customers of the insolvent Registered Provider.
Once your Application Form has been received, your Plan will be set up within 14 days and you will be sent your Planholder Pack. This will contain confirmation of the Plan you have purchased, the amount you have paid, what is covered, details of the Funeral Director and how to claim. It will also contain a pack to be given to your Funeral Organiser.
You must inform us so we can update our records. If you have moved to a new area we may need to allocate a new Nominated Funeral Director from the Dignity panel. There is no charge for this, as your Plan is portable, and all the Plan guarantees will still be honoured.
We will allocate a Funeral Director to your Plan, which we refer to as the Nominated Funeral Director. For the Amber, Pearl, and Diamond Plans there are over
1,200 Nominated Funeral Directors and for the Limited Plan there are approximately 800 Nominated Funeral Directors across the UK. If you would like to check if your Plan can be allocated to a specific Funeral Director please contact us before you purchase. We may change your Plan to a different Nominated Funeral Director if required.
If this were to happen, Dignity would re-allocate your Plan to a new Nominated Funeral Director. All the guarantees made in your Plan would still stand and you would not be charged any additional fees.
When the person who the Plan is for passes away the Funeral Organiser should telephone Dignity on 0800 171 2747. We are available 24 hours a day, 365 days a year.
This single phone call is all that is needed to put your Plan into motion. We will contact the Nominated Funeral Director and provide them with the details of your Plan and your Funeral Organiser. The Nominated Funeral Director will then get in touch with the Funeral Organiser to finalise all of the arrangements.
If the Plan is not found until after the Planholder’s funeral is arranged, or if your Next of Kin or Executor chooses not to use the Plan, they can cancel the Plan and receive a refund of the original amount paid for the Plan less the
£249 cancellation fee.
You can cancel your Plan at any time. To receive a full refund of any payments made you must cancel the Plan within 30 days from the date you receive your Planholder Pack and Agreement. We will charge a fee of £249 for cancellations after 30 days. Refunds will be completed within 14 days of the request being received.
If you wish to cancel your Plan tell us either by completing and returning the form included in the Planholder Pack we send you or otherwise tell us by:
We make every effort to excel in the service we provide. However, if you feel we have not met your expectations, please contact our Client Relations Department who will acknowledge your complaint within 2 working days and will do their utmost to ensure any complaint is dealt with as quickly and efficiently as possible. Our Client Relations Department can be contacted as follows:
If you are dissatisfied with the response from us you can take the matter further. Dignity Pre Arrangement Limited is registered with the Funeral Planning Authority (FPA), an independent organisation, whose Code of Practice we follow.
The FPA can be contacted as follows:
You also have access to an Online Dispute Resolution (ODR) platform which is provided by the European Commission. It allows consumers to submit complaints through the site and the complaint will then be allocated to an approved and appropriate Alternative Dispute Resolution Provider (ADR). For more information on this service please visit http://ec.europa.eu/consumers/odr.
The Funeral Planning Authority when handling complaints uses one of the approved Alternative Dispute Resolution providers and you can gain direct access to them by using the FPA contact details provided above.
English law applies to this agreement. This Key Features Summary applies to Dignity Prepaid Funeral Plans purchased from 01/10/2019.
If after reading this document you have any questions here are our contact details;
Please see the Terms and Conditions for further details.
The Dignity Prepaid Funeral Plan provides the funeral services set out in the “Limited Plan”, “Amber Plan”, “Pearl Plan” and “Diamond Plan” as long as you make all of the payments in accordance with the details set out in the Plan (as defined below).
In these terms and conditions:
“Additional Special Requests Form” means the form, which we will send to you after we have received your Application for the Plan, which allows you to notify us of any alternative or additional Special Requests;
“Agreement” means the written agreement between us made up of the Application, the Funeral Plan Schedule, Funeral Plan Services Document, Key Features Summary and these Terms and Conditions;
“Application” means the application form relating to the Plan that you have completed and either returned by post, submitted online via a website or portal or completed over the telephone;
“Covered Areas“ means mainland Great Britain, Northern Ireland Jersey, the Isle of Wight and/or the Isle of Man, except in the case of a Limited Plan in which case it shall mean Great Britain, Northern Ireland Jersey and the Isle of Wight (and not the Isle of Man);
“Dignity Promise” means that you (or the Personal Representative(s) (as applicable in the circumstances) will not be asked to pay any balance outstanding under the Plan, subject to the exclusions and limitations set out in the “Instalment Payments” section of these terms and conditions;
“Funeral Plan Schedule” means the schedule setting out all the details of your Plan, which we will send to you once we have received and approved your Application for the Plan;
“Funeral Plan Services Document” means the document setting out the details of the services which are guaranteed by the Plan, which we will send to you once we have received your Application for the Plan;
“Inflation” means a sustained increase in the general level of prices for goods and services measured as an annual percentage increase in line with the Retail Prices Index;
“Instalment Age Restriction” means the maximum instalment term you can pay your Plan over to ensure all payments have been completed by the time the eldest person named on the Plan reaches their 85th Birthday. The Instalment Age Restriction applies to any instalment term paid over more than 12 months;
“Instalment Charge” means the additional payment included in the price of any Plan where instalments are being paid over a term beyond 12 months;
“Key Features Summary” means the document summarising the key features and benefits and exclusions and limitations of the Plan;
“Nominated Funeral Director” means the funeral director, the details of which are set out in the Funeral Plan Schedule, or such other funeral director as we may appoint to carry out the Planholder’s funeral;
“Personal Representative” means the Planholder’s personal representative(s) after the Planholder’s death, as defined by the Administration of Estates Act 1925;
“Plan” means the Prepaid Funeral Plan you have chosen, to which the Application relates, and which provides the funeral services set out in the “Limited Plan”, “Amber Plan”, “Pearl Plan” or “Diamond Plan”, as governed by the Agreement (and the arrangements covered by each plan shall be as detailed in the latest available version of the relevant plan description document in circulation as at the date of the Agreement);
“Planholder” means the person named in the Funeral Plan Schedule whose funeral is covered by the Plan;
“Price Guarantee” has the meaning given to it in the “What the Plan Covers” section of these terms and conditions;
“Special Requests” means any personal wishes as to how you would like the Planholder’s funeral performed, which have been notified to us in your Application, Additional Special Requests Form, by email, in writing or over the telephone;
“Trust” means the National Funeral Trust; and “we” or “us” or “our” refer to Dignity Pre Arrangement Limited and our details are set out in the “How to Contact Us” section of these terms and conditions; and “you” or “your” or “applicant” means the person applying for the Plan.
The Plan is available to Planholders who are aged 50 or over at the date of making the Application.
The Instalment Age Restriction means, at the point of applying for the Plan, the age of the eldest person named on the Plan could reduce the range of instalment options available.
The funeral provided by the Plan must be conducted in the Covered Areas. The Plan does not cover the costs of repatriation.
Subject to these terms and conditions, details of the services guaranteed by the Plan are set out in the Funeral Plan Services Document.
Once you have fully paid the amounts set out in the Plan, we will cover the Nominated Funeral Director charges or the funeral cremation costs as set out in this “What The Plan Covers” section, at no further charge to the Personal Representative(s). This is known as the “Price Guarantee”, which only applies to the services set out in this “What the Plan Covers” section.
After receipt and approval by us of the Application, and upon the death of the Planholder, we will appoint a Nominated Funeral Director to provide the services described in the Agreement.
Please note that we reserve the right to appoint a different or new Nominated Funeral Director to carry out the Planholder’s funeral for any reason. We will inform you if we do so.
If any of the services, which are to be directly provided by the Nominated Funeral Director, are not available at the time of the funeral we will provide an alternative of at least equal quality at no further charge.
If the Personal Representative(s) do not agree to the alternative arrangements, we may cancel the Plan and refund to the Planholder’s estate any monies paid to date less a £249 cancellation fee.
If you choose or have chosen a cremation funeral, the price you pay for the Plan will cover:
subject to the following:
The Minister of Religion or an Officiant fee, equal to the amount paid for a standard funeral service at the crematorium or cemetery as listed in the Church of England Table of Parochial Fees. In the unusual event that the Minister or Officiant charges more than this amount, then you or the Personal Representative(s) will be responsible for paying that additional amount to the Nominated Funeral Director.
If you choose or have chosen a burial funeral, the Nominated Funeral Director will arrange certain services which are provided by third parties; for example, the provision of a burial plot, digging a new plot or opening an existing grave, cemetery fees, fees for a Minister of Religion or Officiant. The cost of these services varies widely throughout the Covered Areas and therefore the Plan does not guarantee to cover these costs.
The Plan contains a contribution towards these third party burial costs. The current rate is £1,220, which will rise in line with Inflation. We will advise the Personal Representative(s) of the value of the burial contribution at the time of arranging the funeral.
If the contribution towards third party burial costs does not cover the costs in full, the Personal Representative(s) will be required to pay the additional sum at the time
of the funeral. Where the actual third party burial costs are less than the value of the contribution, we will either repay the difference to the Personal Representative(s), or put it towards other funeral costs incurred at the time.
The Plan includes the services described in the Funeral Plan Schedule, which forms part of the Agreement.
The cost for other goods or services not set out in the Funeral Plan Schedule, for example a memorial, headstone, flowers, and catering are not included in the Plan. If you have purchased an Amber, Pearl or Diamond Plan and you would like to make a provision for services not already included in your Plan, you may do so by making a contribution towards these costs. We will then make sure the value of that contribution increases in line with Inflation.
However, if that contribution does not cover the then current rate for those goods or services, you or the Personal Representative(s) must pay the difference between the value of your contribution (adjusted for Inflation) and the actual cost at the time of the funeral. Where the actual cost is less than the value of your contribution we will repay that difference to you or the Personal Representative(s).
Any fees payable to doctors or a coroner for the issue of death or cremation medical certificates, or coroner’s certificates will not be included in your Plan and if they are charged for they will need to be paid for separately at the time of the funeral.
We may charge reasonable extra amounts for the following requirements:
The Plan does not cover the costs of repatriation from outside the Covered Areas to the Nominated Funeral Director.
If we need to transport the Planholder to or from a distance of more than 50 miles of the proposed funeral site, crematorium or burial place or if we need to
incur ferry or air fares, we may charge you reasonable additional costs, less any contribution towards the cost of travel specified in the Plan.
You may ask for Special Requests for the Planholder’s funeral, but if these incur additional costs they will fall outside the Plan and will not be covered by the Price Guarantee. Once you have notified us of any Special Requests, we will send you a certificate confirming these. The Special Requests will be used as a guide for the Personal Representative(s) and the Nominated Funeral Director.
If you have an Amber, Pearl or Diamond Plan you are entitled to make a contribution payment towards the cost of any Special Requests and any contribution you do pay will be increased each year in line with Inflation. We do not guarantee that your contributions will cover the cost of all of the Special Requests.
The Personal Representative(s) will be advised of the value of this contribution at the time of arranging the funeral.
If you have a Limited Plan you may register the Planholder’s Special Requests with us. However you may not make contribution payments towards the costs of these.
As the purchaser of the Plan, the rights and benefits set out in this Agreement accrue to you and you are responsible for making payments to us in accordance with this Agreement.
If you have named a different person as the Planholder on the Application, the rights and benefits set out in the Agreement will nevertheless accrue to you and not to the Planholder.
All payments you make are passed to the Trust to be held in accordance with the applicable trust deed.
Payments are made out of the Trust to us for funerals when they are performed, and for the cost of offering, selling and administering Dignity Prepaid Funeral Plans, and for refunds to purchasers of such plans.
By purchasing the Plan and agreeing to pay by instalments, the following rules will apply:
An Instalment Charge is payable by you if you pay over a term beyond 12 months because the Trust does not have all the money to invest at the Plan inception.
If you pay over a term beyond 12 months the Instalment Age Restriction means that all payments must have been completed by the time the eldest person named on the Plan reaches their 85th Birthday.
If you miss one or two instalment payments the Plan will fall into arrears. We will contact you and request that you bring your Plan payments up to date. If we do not receive the missed payment within 14 days of our request, we will add the outstanding amount onto your final instalment payment.
If you have missed three instalments or more, the Plan will lapse and cannot be reinstated. If your Plan has lapsed the Price Guarantee and Dignity Promise will fall away. We have the option (at our discretion) of cancelling the Plan so that it is no longer valid or effective.
A Plan cannot be reinstated once it has lapsed, however you can take out a new plan at the then current price of the former Plan. Any payments already received relating to the former Plan, will be transferred to the new plan as a deposit.
The Dignity Promise does not apply to instalment terms of 12 months or less. The Personal Representative(s) will be responsible for paying any outstanding instalments due. The outstanding instalments must be paid for in full before the funeral takes place.
If three payments or more have been missed and the Plan has lapsed, the Personal Representative(s) may request, and we may agree (at our sole discretion), to arrange for the funeral to be carried out by the Nominated Funeral Director. The cost of the funeral will be charged at the Nominated Funeral Director’s then current market rate and we will credit any instalment payments already made towards the cost of the funeral.
If the Planholder dies within 12 months of the Plan start date and the death is not an Accidental Death, you will not be covered by the Dignity Promise. In these circumstances, the Personal Representative(s) will be responsible for paying the outstanding instalments due in order for us to provide the funeral in accordance with this Agreement. The outstanding instalments must be paid for in full before the funeral takes place.
If the Planholder dies within 12 months of the Plan start date, your instalment payments are fully up to date and the death is an Accidental Death, you will be covered by the Dignity Promise.
For the purposes of this section, “Accidental Death” means a death of the Planholder caused by a sudden and unexpected event which happens after the Plan has been purchased, including coroner’s verdict of accidental death in these circumstances. Accidental Death does not include:
If the Planholder dies more than 12 months after the Plan start date, your instalment payments are fully up to date and the Plan has been in force for more than 12 months, you will be covered by the Dignity Promise.
If the Planholder dies more than 12 months after the Plan start date and you have missed up to two instalment payments, the Dignity Promise in the Plan will lapse and will not be valid or effective. The Personal Representative(s) can reinstate the Dignity Promise by
making payment of all previously outstanding instalment payments. We will then provide the funeral in accordance with this Agreement, provided that the outstanding instalments are paid for in full before the funeral takes place.
If the Planholder dies more than 12 months after the Plan start date and you have missed three instalments or more, you will not be covered by the Dignity Promise or the Price Guarantee and neither will be valid or effective. Provided that the Plan has not been cancelled, the Personal Representative(s) may request, and we may agree (at our sole discretion), to arrange for the funeral to be carried out by the Nominated Funeral Director.
The cost of the funeral will be charged at the Nominated Funeral Director’s then current market rate and we will credit any instalment payments already made under the Plan towards the cost of the funeral.
You have 30 days from the date you receive the Agreement to decide that the arrangements you have made meet your requirements and that you do not wish to cancel the Plan.
If you do decide to cancel the Plan, you must either:
Any notification of cancellation should specify all of the following details: (i) the Plan number; (ii) the full name and address of the Planholder (iii) the Planholder’s date of birth; and (iv) a telephone number and/or email address for contact purposes should there be any issue with the cancellation. There will be additional security questions where the Plan is cancelled by telephone or by e-mail.
Provided we receive such notification within 30 days of entering into the Agreement, we will refund all the money you have paid within 14 days of us receiving notification of cancellation.
If you wish to cancel the Plan at any time after the stated 30 days, we will refund any money you have paid, less a cancellation fee of £249, within 14 days of us receiving notification of cancellation.
In the event that the Plan is not used and cancellation is requested after the death of the Planholder, we may require additional information from the person cancelling the Plan before we can complete the cancellation.
Any refund will be made to the person who originally paid for the Plan or to the Planholder’s estate.
We may cancel the Plan by giving notice to you if:
If we cancel the Plan, we will refund any money you have paid, less the £249 cancellation fee, and we will have no further obligations to provide the services set out in the Plan.
The Plan is designed to cover funeral costs and is not an investment product, and we will not pay interest on money refunded.
VAT is not currently charged on a funeral service. However, if VAT or any other form of tax becomes chargeable on a funeral service or part of it in the future, you or the Personal Representative(s) must pay the VAT or additional tax at the time of the funeral.
If you are paying for any Special Request as part of the Plan then any third party suppliers who provide those goods or services may charge VAT, which we will pay and recover from you, or the Personal Representative(s).
If you have any questions regarding the Plan, our contact details are:
You must notify us of any permanent change of address.
If appropriate, we will appoint an alternative Nominated Funeral Director for you.
Once we have confirmed and approved your Application for the Plan, the following documents all make up the Agreement:
Please keep these documents in a safe place for the attention of your Personal Representative. You are advised to discuss your funeral arrangements with the person who will be the Personal Representative(s).
These documents together make up the Agreement concerning the Planholder’s funeral arrangements. Anything which is not documented in writing in the Agreement will not be effective. If there is any ambiguity between the documents referenced above, the terms set out in these Terms and Conditions take precedence over the others.
English law shall apply to this Agreement. If anything in this Agreement is invalid or unenforceable, then this Agreement will be interpreted as if that part were modified or deleted to make it valid and enforceable, and the rest shall remain in force.
If we fail to exercise or delay in enforcing our rights (such as our right to cancel the Plan in the event of unpaid instalments), such failure or delay will not restrict our rights to do so, and a waiver of any such rights or of any breach of any term will not be deemed to be a waiver of any other right or any later breach.
You may propose a change to the Plan, but no change will take effect unless it is agreed in writing by us. If you wish to change the type of plan then this will take effect through a new Agreement for a new plan. Please use the contact details set out in the “How to Contact Us” section in these circumstances.
The Agreement is personal to you and may not be assigned (transferred) or made the subject of any trust, mortgage or charge given as security for any obligation to any third party. Only you or the Personal Representative(s) are entitled to claim the rights or benefits set out in this Agreement. The Nominated Funeral Director may also claim the rights or benefits set out in this Agreement. Otherwise, no other person (including the Planholder) has any right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this Agreement. This does not affect any other rights these people may have. These Terms and Conditions apply to all Dignity Prepaid Funeral Plans entered into from 01/10/2019.
We make every effort to excel in the service we provide. However, if you feel we have not met your expectations, please contact our Client Relations Department who will acknowledge your complaint within 2 working days and will do their utmost to ensure any complaint is dealt with as quickly and efficiently as possible. Our Client Relations Department can be contacted as follows:
If you are dissatisfied with the response from us you can take the matter further. Dignity Pre Arrangement Limited is registered with the Funeral Planning Authority (FPA), an independent organisation, whose Code of Practice
we follow.
The FPA can be contacted as follows:
You also have access to an Online Dispute Resolution (ODR) platform which is provided by the European Commission. It allows consumers to submit complaints through the site and the complaint will then be allocated to an approved and appropriate Alternative Dispute Resolution Provider (ADR). For more information on this service please visit http://ec.europa.eu/consumers/odr.
The Funeral Planning Authority when handling complaints uses one of the approved Alternative Dispute Resolution providers and you can gain direct access to them by using the FPA contact details provided above.
Instruction to your Bank or Building Society to pay by Direct Debit
4 King Edwards Court
King Edwards Square
Sutton Coldfield
West Midlands
B73 6AP
Address
920149
Please pay Royal Exchange Trust Company Limited Re National Funeral Trust Direct Debits from the account detailed in this Instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this Instruction may remain with Royal Exchange Trust Company Limited Re National Funeral Trust and, if so, details will be passed electronically to my bank/building society.
Date: