How to reduce funeral costs
Discover how to reduce funeral costs by up to 76% or £3,189* by choosing a Simplicity Cremation.
We provide simple funerals which cover all of the essential elements of a cremation. We don’t include many of the expensive services and ceremonial elements often associated with a traditional funeral, allowing you to choose only the formalities that are important to you and your loved one. Our funerals are arranged without a Funeral Director, meaning we can reduce funeral costs even further.
Growing numbers of families are finding it difficult to cover the costs of a funeral for their loved one, with many resorting to using their own savings or investments, a credit card or even taking out a loan to cover the cost.
Fortunately, there are several ways you can reduce funeral costs. Learn more about what average funeral costs look like and how to reduce funeral costs below.
Average cost of a funeral
The average cost of a funeral can vary depending on where you live and the kind of funeral your loved one wanted. A burial will typically cost more than a cremation. The average cost of a basic funeral in the UK is now £4,184, with the average cremation costing £3,885 vs. the average burial costing £5,033*.
Funeral cost breakdown
Every Funeral Director will have a different way of breaking down funeral costs, although average funeral costs can generally be summarised as the following:
Funeral Director fees
The majority of funerals in the UK are arranged by a Funeral Director, although this is not a legal requirement. Funeral Directors spend a lot of time managing the funeral arrangements and the necessary paperwork, as well as practicalities such as collecting the body from the place of rest, caring for them until the day of the funeral and transportation in a hearse to the crematorium or cemetery. For this reason, Funeral Director fees are often the most expensive part of the funeral.
Third party fees, also known as disbursements
Costs such as cremation or burial fee’s and doctor’s fees are unavoidable. The specific charges that apply to you will depend on if it is a cremation or burial and where you live. For example, doctor’s fees for cremation do not apply in Scotland.
Other typical funeral expenses
There are many additional costs and services, although not all are compulsory.
- A coffin or an upgrade on the coffin that is already included in your chosen funeral package
- Viewing in the chapel of rest
- Additional limousines
- A minister or officiant to perform the service
- Death notices
- Funeral notices
- Floral tributes
- Venue hire and catering for a wake
- Cremation urns
Some of these funeral expenses (typically a simple coffin, a hearse and a limousine) may already be included in the Funeral Directors package. If you are trying to reduce funeral costs, you should consider which of these extras you feel are necessary.
How to reduce funeral costs with a Simplicity Cremation
A Simplicity Cremation provides you with all of the practical and essential elements of a funeral, without the obligation to pay for traditional ceremonial elements you may feel are unnecessary allowing you to reduce funeral costs by up to 76% vs the average basic funeral*.
Our funerals are arranged with no Funeral Director involvement, allowing us to provide our clients with substantial cost savings in comparison to a traditional funeral. All of the arrangements will be made over the phone with our team of expert funeral arrangers.
Our services are available throughout mainland Great Britain. Unlike many funeral providers, the cost of our services remains the same regardless of where you live. Using our own nationwide mortuary facilities means we won't charge you with additional mileage fees.
With the practicalities covered, this allows you the opportunity to arrange a fitting celebration of your loved one's life, in a way that suits your needs and budget.
Our Attended funeral allows you to arrange a service in the same way you would with a traditional funeral. You will have the flexibility to arrange a service in the chapel including the choice of music, readings and visual tributes. We can provide guidance should you wish to engage with the services of a minister or officiant, although asking a family member or friend to lead the service would save this additional expense.
Our Intimate funeral suits those families that wish to attend the funeral but, for whatever reason, do not want a funeral service. This option allows a small group of family and friends to spend a short time in the chapel, to say a few words and reflect on their loved one’s life.
Our lowest cost funeral offering, the unattended direct cremation takes place without the presence of mourners. This is often followed by an informal service or celebration of life, at a time suited to you, away from the crematorium.
Need help with funeral costs?
If you can’t afford a funeral, you may be eligible for help with funeral costs from the government. Discover more about how to get help with funeral costs through government funding or understand more about a Pauper's funeral.
How to reduce funeral costs by planning ahead
Should you be looking for a way to reduce the cost of your own funeral, we can also help. Our prepaid funeral plans start from £1,495. We're different to many providers as all of our plans include 24/7 collection, care in our quality facilities, cremation fees, provision of a simple coffin and more as standard. All of the services outlined in the plan will be covered, no matter how much prices may rise in the future.
Contact us for more advice on how to reduce funeral costs with Simplicity, whether you are planning a funeral for your loved one or would like to plan ahead for your own funeral.
*SunLife (2021), Cost of Dying Report, sunlife.co.uk/costofdying2021