The Pearl Funeral Plan | Compare Plans | Dignity Funeral Plans
Skip to content
Call free on 0800 587 2541

The Pearl Plan

This is our most popular plan. 

£3,850

or from £25.44 per month

Buy Now Find out more
Overview What's included? What's not included? Payment options

The Pearl Funeral Plan is our most popular plan. Like all of our plans, it guarantees the funeral director costs for a cremation or a burial funeral.

A contribution is provided to help towards burial costs which rises each year in line with the Retail Price Index (RPI).

This Plan provides a little extra comfort to family members at this difficult time, by including a limousine. It also includes  a quality wood effect coffin and a hearse. You can personalise this plan with any special requests* you may have.

"My husband and I decided that the best time to discuss funeral arrangements is while we are fit and well and that’s when we decided to take out funeral plans. We now have peace of mind knowing that our family won’t have to deal with anything other than phone the nominated funeral
director."

- Mrs Phillips
The Pearl Plan Details
Making the arrangements
Support from a nationwide network of over 1,200 owned or approved Funeral Directors
Personal and regular contact with the family to provide advice and guidance on all aspects of arranging the funeral
Guidance on the registration of the death and collection of all necessary paperwork for the funeral to proceed
Co-ordinating with individuals and organisations, and managing logistics as required for the funeral to proceed
Co-ordination of any flowers or tributes and managing collection and payments of any charitable donations
Care of the Deceased
Collection and transportation of the deceased to the Nominated Funeral Director's premises at any time, 24 hours a day (within a 50 mile radius, excluding ferry and air fares)
Care and preparation of the deceased (embalming not included)
Quality Wood Effect Coffin
Viewing of the deceased in a private chapel of rest by agreed appointment, during weekdays
The Service
Arranging of the funeral service (at a local cemetery or crematorium)
Funeral director, driver and pallbearers to attend service
Hearse
One limousine for family/mourners
Funeral procession from home to a service location then on to a crematorium or burial site
Mutual agreement on the time and day of the cremation funeral during normal office hours
Guarantees the funeral director costs included in the plan for a cremation or burial funeral
For a burial funeral the plan includes an ample contribution of £1,220
Flexibility
If you move home your plan moves with you, at no extra cost
Personalise the Plan at any time by documenting "Special Requests" such as hymns and readings*
Ability to add additional services to your plan, such as an extra limousine*
Ability to make additional contributions towards Special Requests during the lifetime of the Plan. Any contributions will increase each year in line with Retail Price Index (RPI)
Additional services
24 hour support from our UK based client service centre, to answer any questions you may have about your Plan or the service, available 365 days a year
Free telephone bereavement advice and counselling service
Complimentary thank you cards

What is Not Covered in a Dignity Funeral Plan

  • Medical certification fees. For deaths where a coroner investigation is required, there are no medical certification fees. 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.
  • Embalming, burial plot, memorial or headstone, flowers, catering/wake.
  • Repatriation from outside mainland Great Britain, Northern Ireland, Jersey, Isle of Man and Isle of Wight.
  • Costs for removing artificial limbs and mechanisms such as pacemakers.
  • Costs associated with changes in regulations, tax, laws or generally accepted practice, which result in additional costs or affect the conduct of the funeral.

This list is not exhaustive, so please refer to the Terms & Conditions for further information.

Payment Options

Single Payment £3,850

Spread the cost of your Funeral Plan

If you spread the cost over more than 12 months there is an extra charge and all payments must be completed by the 85th birthday of eldest person named on the plan.

Repayment period Monthly repayment Total amount repayable

1 Months

£3,850.00

£3,850.00

12 Months

£320.83

£3,850.00

60 Months

£78.68

£4,721.29

120 Months

£46.32

£5,558.97

180 Months

£35.18

£6,333.62

240 Months

£29.28

£7,029.17

300 Months

£25.44

£7,633.26

Normal office hours are 9:00am - 5:00pm

*Additional special requests:

These can be added to the Plan at any time, however, some requests may incur an additional charge and may not be covered by the price guarantee. Any costs incurred from these requests will have to be paid for at the time of the funeral. Alternatively, you can pay a contribution in advance for any additional requests with the amount paid being subject to RPI inflation.

If you spread the cost over more than 12 months there is an extra charge and all payments must be completed by the 85th birthday of the eldest person named on the plan.

Read The Prepaid Funeral Plan Key Features Summary and the Terms & Conditions

Compare your plan

The Pearl Plan

£3,850

or from £25.44 per month

Buy Now
4.8/5 Independant Service Rating based on 600 verified reviews.
How Do Funeral Plans Work?

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
Compare Our Plans

Compare Dignity's Prepaid Funeral Plans

Compare Dignity’s Defaqto rated Prepaid Funeral Plans. All our Plans guarantee the Funeral Director services for a cremation or burial funeral.

Read more
Our Funeral Plans

About Our Funeral Plans

Dignity offers a range of funeral plans, so you can pre-pay for funeral expenses and protect your family from the worry of arranging a funeral.

Read more
Back to top

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.

What is the Dignity Prepaid Funeral 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.

Who is the Prepaid Funeral Plan for?

Unless advised otherwise in writing by Dignity, you can have a Dignity Prepaid Funeral Plan if the person who the funeral is for is aged 50 or over. The funeral must also 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).

What will the Prepaid Funeral Plan provide?

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:

Funeral Director Services;

  • Advice and guidance on all aspects of the funeral including the registration of the death and collation of all necessary paperwork for the funeral to proceed
  • Transport of the deceased to the Nominated Funeral Director’s premises within 50 miles
  • Preparation and care of the body
  • The coffin provided within the selected Plan
  • Funeral Director and staff to attend service
  • Provision of a hearse
  • Free telephone bereavement advice and support

Third Party Cremation Costs;

  • The cremation fee
  • Fee for a Minister or an Officiant 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

Dependent on the Plan chosen, the following are also guaranteed:

  • Family viewing by appointment
  • Limousines to transport the mourners
  • Transport to place of worship prior to cremation or burial
  • ‘Thank you’

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.

The Dignity Promise

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.

What won’t the Prepaid Funeral Plan provide?

The Plans do not include:

  • Embalming
  • The cost of Special Requests such as memorials, flowers, catering, newspaper obituaries
  • Transport of more than 50 miles from the Nominated Funeral Director. Any charge for additional miles will be payable to the Dignity 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 that are passed to us due to changes in regulations, tax, laws or generally accepted practice
  • The cost of repatriation from outside mainland Great Britain, Northern Ireland, Jersey, Isle of Wight or Isle of Man (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 of up to 12 months, and the funeral is required before the final payment has been paid, your Funeral Organiser would have to pay the outstanding balance at the time of the time of the funeral.
  • If the Plan is paid for by instalments of 13 months or more and the funeral is required within 12 months of the Plan starting, the Dignity Promise will not apply unless the Planholder has died as a result of an accident as defined within the Terms and
  • Any taxes. Value Added Tax is not currently charged on a funeral 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 Dignity owned 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 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

What are prices of the Plans?

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

£3,095

£257.91
Amber

£3,495

£292.25
Pearl

£3,850

£320.83
Diamond

£4,195

£349.58

*There is no extra charge for 12 monthly instalments

The prices listed above are the full Plan price and are valid as at 17/12/2020. 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.

How can I pay?

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.

How is the money I pay protected?

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.

  • The Trust is run by Managing Trustees, the majority of whom are independent of Dignity
  • PricewaterhouseCoopers conduct an annual actuarial valuation of the Trust Fund, which determines if there is enough money in the Trust Fund for Dignity to meet its liabilities and promises to Planholders
  • The appointed auditors conduct annual audits of the Trust’s accounts
  • The Trust adheres to the rules of the Funeral Planning Authority, who receive copies of the Trust’s accounts and valuations and other information it request.

What happens to the money in the Trust Fund?

All the money you pay for the Plan goes straight into the Trust Fund’s bank account. From the money held in the Trust:

  • Dignity is paid an allowance for the marketing, administration and lifetime customer management of the Plan
  • There are annual costs for Trust management services, audits, valuations and other scheme expenses
  • An amount from each Plan is retained in the Trust to help the Trust maintain a surplus so it can better withstand unexpected rises in funeral costs or better cope with poor investment returns
  • The remaining balance is available to pay the Dignity Nominated Funeral Director, after the funeral has taken place, who agrees to provide all the guaranteed services for this sum

We publish a Report on the National Funeral Trust annually and it is available upon request.

What happens if there is not enough in the Trust to pay for the funeral?

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.

How can I be sure Dignity will still be there to deliver my funeral?

The money for your funeral would still be protected because it is legally separate from Dignity. In the unlikely event that we were no longer in business it may however mean that we would be unable to provide the funeral or cover set out in your Plan. 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 (FPA) and in this scenario other Registered Funeral Providers would co-operate in the delivery of the FPA’s “Pledge to Customers” by which the other Registered Funeral Providers will examine the ways in which they might assist in delivering the funerals of affected customers.

What will I be sent after I apply for a Plan?

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.

What happens if I move home?

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.

Can I choose my Funeral Director?

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 is a nationwide network of Nominated Funeral Directors and for the Limited Plan  the network is made up of those Nominated Funeral Directors owned by Dignity. 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.

What happens if the Nominated Funeral Director goes out of business?

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.

How to claim

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.

What happens if my family or representative doesn’t use the Plan?

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.

Cancellation

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:

  • Address: Dignity Pre Arrangement Limited, 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands B73 6AP
  • Telephone: 0800 389 9277
  • Email: planinfo@dignityuk.co.uk

How to make a complaint

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:

  • Address: Client Relations Department, 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP
  • Telephone: 0800 731 0655
  • Email: clientrelations@dignityuk.co.uk

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:

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.  You also have legal rights to dispute resolution via any other Alternative Dispute Resolution providers that might be specified under consumer protection laws from time to time.

Until 31st December 2020, if you have purchased the plan online 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.

Law

English law applies to this agreement. This Key Features Summary applies to Dignity Prepaid Funeral Plans purchased from 17/12/2019.

Need to Contact us?

If after reading this document you have any questions here are our contact details:

  • Address: Dignity Pre Arrangement Limited, 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands B73 6AP
  • Telephone: 0800 389 9277
  • Email: planinfo@dignityuk.co.uk

Please see the Terms and Conditions for further details.