How Do Funeral Plans Work?
A prepaid funeral plan protects you against the rising costs of funerals, allowing you to pay for your funeral in advance so your relatives don’t have to cover all the cost themselves.Read more
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|
*There is no extra charge for 12 monthly instalments
The prices listed above are the full Plan price and are valid as at 18/12/2019. 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 18/12/2019.
If after reading this document you have any questions here are our contact details;
Please see the Terms and Conditions for further details.