If you have any questions about our Prepaid Funeral Plans, please do not hesitate to give us a call. Our UK based Customer Service Team are available 24 hours a day, 7 days a week to answer any questions you have.
Alternatively we have listed answers to the questions we are more commonly asked.
Dignity Funeral Plans
Buying and paying for a Dignity Funeral Plan
Cancelling and changing a Prepaid Funeral Plan
After buying a Prepaid Funeral Plan from Dignity
For generations, Dignity has been helping to make funeral planning as easy and stress-free as possible. Dignity launched the UK’s very first funeral plan in 1985. Since then we have helped nearly one million* people make provisions for their funeral costs in advance. We now have a network of over 1,200 funeral directors who are either owned or approved by Dignity. If you’d like to find out more about Dignity, please visit our Why Choose Dignity? page.
A Funeral Plan is a way to prepay funeral costs in advance. It also allows you to help protect your family from the worry and stress of making all the arrangements.
Taking out a Prepaid Funeral Plan allows you to make important decisions about what you and your family want from the funeral. Once it’s paid, we will not request a penny more for the services included in the Plan, so you’ll have complete peace of mind, knowing you have financially prepared.
Taking out a Funeral Plan will also help save your loved ones the worry and stress of making all the funeral arrangements at such an emotional time, because they will already know what you wanted and a trusted Dignity Nominated Funeral Director will be there to guide and support them every step of the way.
Savings and life insurance don’t guarantee to cover your funeral costs – whereas a Prepaid Funeral Plan does. And with funeral expenses rising year on year, you may find that savings and life insurance aren’t enough to cover the cost of the funeral. In addition, banks and over 50s life insurance providers will not arrange your funeral, but Dignity will.
If you take out a Prepaid Funeral Plan from Dignity, you can freeze funeral costs at today’s prices, so no matter how much they rise, the cost of the cremation funeral services included in the Plan will be guaranteed – meaning that loved ones are less likely to have to use any savings or inheritance you may have left them. What’s more, the funeral will be planned and paid for, so your loved ones won’t have the added stress of making all of the arrangements at a difficult and emotional time.
It’s also worth noting that for inheritance tax planning purposes, a Funeral Plan sits outside the estate. For more information, visit Best Way To Take Care Of Funeral Costs.
Anyone aged 50 or over can take out a Prepaid Funeral Plan from Dignity. There are no upper age limits. There are no health or medical questions.
Dignity’s Prepaid Funeral Plans include the Funeral Director services. If a cremation is required the cremation fee and ministers fees in the Plan are covered. If a burial is required a contribution of £1,220 will be paid towards the burial and other third party costs. For more information, take a look at Dignity’s choice of Prepaid Funeral Plans – or call us to discuss your options further.
- The cost of special requests such as memorials, flowers, catering, newspaper obituaries etc.
- Transport of more than 50 miles from the Nominated Funeral Director. Any charge for any additional miles will be payable to the Nominated Funeral Director at the time
- The cost of removal of mechanisms such as pacemakers (which must be removed before a cremation)
- Costs for conducting the funeral, burial or cremation on a weekend, at an unusual hour or public holiday
- Any additional charges passed to us due to changes in regulations, tax, laws or generally accepted practice
- The cost of repatriation outside mainland Great Britain, Northern Ireland, Jersey, Isle of Wight on the Isle of Man (The Limited Plan not available on the Isle of Man)
- Any Doctor’s fees and Coroner’s fees
Other Plan limitations include:
- If the Plan is paid for by instalments and the funeral is required before the final payment has been paid, your Funeral Organiser would have to pay the outstanding instalment balance at the time of the funeral
- Any taxes - Value Added Tax is not currently charged on a funeral service; however, if this or any other tax becomes chargeable on a funeral service or part of it, your Personal Representative must pay the tax at the time of the funeral
Limited Plan Limitations:
- There is a restricted choice from approximately 800 Funeral Directors
- You may not make any financial contribution payments towards the costs of any Special Requests
- A restricted choice of date and time for the funeral will be available. Typically this means that with the Limited Funeral Plan the service will take place before 10:30am or after 3:30pm Tuesday-Thursday.
- Not available on the Isle of Man
Prepaid Funeral Plans from Dignity do not include additional personal touches like flowers or obituaries. Please refer to the Terms & Conditions or speak to one of our advisors on 0800 587 2541, should you wish to check which services are likely to incur costs.
Dignity have a network of over 1,200 owned and approved funeral directors across the UK that can be used for The Amber, The Pearl and The Diamond Plans. The Limited Plan has a restricted choice from approximately 800 Funeral Directors. If you’d like to find your nearest funeral director, or if you have a specific funeral director in mind and would like to know if they’re available through the Plan, please call us.
Yes. Many of our customers take out a Prepaid Funeral Plan from Dignity for their relatives or friends . As long as the person for whom the Plan is for is aged 50 or over, you can buy a Plan online, just give us the details of the person you’re applying for. For more information, visit our Buying For Someone Else page.
No. As long as you’re aged 50 or over, you’re guaranteed to be accepted for a Prepaid Funeral Plan from Dignity.
Yes, you can personalise your Funeral Plan as much or as little as you like, or we can create a completely bespoke Funeral Plan just for you. Simply call us on 0800 587 2541 and we’ll help you arrange everything. For more information, visit our Personalising Your Plan page
Yes, you can add personal requests to your Funeral Plan at any time, without a charge. For example, you could leave instructions on where to hold the service, what flowers to get and even which hymns to sing. By adding these little extras to your Plan, you can give your loved ones the reassurance of knowing that everything is being done the way you want it to be. Some requests may incur an additional cost. With our Amber, Pearl and Diamond funeral plans, you can choose to make an extra contribution towards these personal requests, which will rise each year in line with inflation, or the additional cost can be met by your loved ones at the time.
The Limited Plan does not allow you to add any additional services or make any additional contributions towards special requests.
Yes, all Prepaid Funeral Plans from Dignity guarantee to cover the cost of the Funeral Director services and the third party cremation costs specified – these are cremation fees and Minister's or Officiants' fees. Some other providers only provide a contribution towards the cremation costs.
A note on Doctors’ medical certification fees.
For deaths where a coroner investigation is required, there are no medical certification fees to be paid. Also, changes to legislation in May 2015 mean there will no longer be a charge for a medical certification for any deaths registered in Scotland. Similar legal changes are being considered for the rest of the UK, so we do not include provision for these fees in our Plans.
If the funeral takes place outside of Scotland, and a coroner is not involved, then if applicable, the medical certification fees must be paid by the next of kin or personal representative, when arranging the funeral.
Yes. All Prepaid Funeral Plans from Dignity are available for burial funerals. However, we are unable to guarantee the cost of burial as costs vary significantly from region to region.
When you choose a burial Funeral Plan, the Funeral Director services included in the Plan are guaranteed to be covered plus you will receive a contribution of £1,220 towards burial and other third party costs, which will each year rise each year in-line with RPI inflation. For more information, visit our Prepaid Burial Plans page.
Dignity's Prepaid Funeral Plan ensures that once it’s paid, all the services included in the Plan will be covered irrespective of when the funeral is required. However, your family may wish to add things like flowers or a service at a separate location, when the time comes. If this is the case, we will help them with all the arrangements and they would need to pay for them at the time of the funeral or, if you prefer, a payment can be made in addition to the plan price which will rise in line with inflation as a contribution towards this cost.
If you choose an Amber, Pearl or Diamond Plan, Dignity will appoint a Nominated Funeral Director from their network of over 1,200 owned and approved Funeral Directors throughout the UK. If you choose a Limited Plan, Dignity will choose from their owned network of 800 Funeral Directors. If you have a specific Funeral Director in mind and would like to know if they’re available through the Plan please call us.
It’s easy to arrange your Prepaid Funeral Plan online and we use the latest security technology to protect your payments. If you choose to make a single payment, you can use either a credit or debit card. Alternatively, you can take advantage of one of our flexible payment options by setting up a Direct Debit.
No. We have a range of ways to pay for your chosen Funeral Plan. You can also spread the cost, compare our plans for further detailed information.
You can spread the cost of your Funeral Plan over 12 months, at no extra cost.
Longer fixed terms are available provided that all payments over any 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. This charge is needed to make sure the money paid into the Trust Fund can increase in line with Inflation during the term of the Plan and means that we can still provide the guaranteed services in the Agreement, irrespective of when the Funeral Plan is required.
If you purchase online you will receive confirmation straight away, your Funeral Plan will be processed and you’ll receive a Planholder Pack in the post within 14 days. You’ll find all the details of your Funeral Plan inside, including instructions about how to implement the Plan and of course, our contact details. We’ll also include a second copy of everything so you can pass this on to your family or Funeral Organiser.
Yes, just call, email or write to us and we’ll change your Plan accordingly.
After 30 days, a cancellation fee of £249 will apply. This will be deducted from the amount you've paid into your Funeral Plan and the rest will be refunded.
Once you've bought your Prepaid Funeral Plan, you will have 30 days to change your mind. So whether you've paid a deposit or paid in full, your money will be refunded if you cancel with 30 days. If you choose to cancel after the 30 days, a cancellation charge of £249 will apply. Please read our Terms & Conditions for full details.
If the Planholder passes away abroad, it’s the responsibility of their Next of Kin to arrange repatriation. The cost of this is usually covered by their travel insurance. However, if the Planholder passes away in the UK, the Plan will be activated and we’ll arrange for them to be brought to the Nominated Funeral Director. Any additional mileage above that included in the Plan will be chargeable.
Your Dignity Nominated Funeral Director must provide all the services outlined in your Plan and they must meet our high quality standards. However, if your family wishes to add to the Plan at the time of the funeral, they can. For example, they could upgrade the coffin or add an extra limousine to the Plan, or they could arrange for readings, hymns or special pieces of music to be played. Some requests may incur additional costs, which, similarly, are not included in the Plan. Please visit our Terms & Conditions.
Your Prepaid Funeral Plans are portable, so you can use them anywhere in mainland Great Britain, Northern Ireland, Jersey, the Isle of Wight and the Isle of Man (Limited Plan not available on the Isle of Man). If you move home, simply tell Dignity your new address and we will update our records.
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 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.
If you choose to pay for your plan over more than 12 months, and pass away before you’ve finished paying for it, Dignity will cover your outstanding balance.
We will not ask your loved ones to pay a penny more than you’ve already paid for all the services included in your plan.
That’s the Dignity Promise; you can find more information about this here.
Limited Plan - additional restrictions to above:
There is a restricted choice from approximately 800 Funeral Directors. A restricted choice of date and time for the funeral will be available. Typically this means that with the Limited Funeral Plan the service will take place before 10.30am or after 3.30pm Tuesday-Thursday. You may not make any additional contributions towards the costs of any special requests. Not available on the Isle of Man.
*Dignity plc Annual Report and Accounts 2019
Makes things easy.
Easy to do and the staff were very helpful. Left me feeling that I have done something positive about the future for my family.– Feefo Customer Review