How to reduce funeral costs
You could reduce funeral costs by up to 76% or £3,276* by choosing a Simplicity Cremation. We provide simple funerals which cover all of essential elements of a cremation. We’ve 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, allowing us to reduce funeral costs even further.
With the average cost of a basic funeral in the UK now at £4,271* (Sunlife Cost of Dying Report 2018), 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 that funeral costs can be reduced.
Typical funeral costs
Funeral costs 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 cremation in the UK currently costs £3,744 vs. the average burial at £4,798**.
Every Funeral Director will have a different way of breaking down funeral costs, although they 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 funeral costs
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 costs (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.
Save up to 76% on 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 us to offer savings of 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 arranged by a Funeral Directors. All of the arrangements will be made over the phone with our team of 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 because we have our own mortuary facilities nationwide and we don’t charge mileage fees.
Our simple funerals start from £995 and include all of the essential funeral costs:
- Doctor’s fees
- Cremation fees
- Help with required paperwork
- A simple wooden coffin
- Collection from the place of rest a few days prior to cremation^
- Preparation for cremation in our professional mortuary facilities
- Transportation in a specialised funeral vehicle
^Should your loved one need to taken into our care immediately, we can do so at an additional charge.
With the practicalities covered, this allows you the opportunity to arrange a fitting celebration of your loved ones 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 funeral, also referred to as a direct cremation takes place without the presence of mourners. A direct cremation is often followed by an informal service or celebration of life, at a time and place away from the crematorium.
Our funeral services do not include embalming or viewing of the deceased, a procession beforehand, the provision of a hearse or limousines or a team of pallbearers.
Help with funeral costs
If you can’t afford a funeral, you may be eligible for help with funeral costs from the government.
Local councils are responsible for arranging a Public Health Funeral, also referred to as a Pauper’s funeral if the family are unable (or unwilling) to pay or no relatives of the deceased can be traced. This is usually a cremation. You would have no involvement in the organisation process and these is no option for part-funding from the family.
If you are on a low income or receiving certain benefits, and responsible for arranging a funeral, you may be eligible for a Funeral Expenses Payment from the government. How much you get will depend on your circumstances including the benefits you receive, your relationship with the deceased and any other money that’s available to cover the costs, although it is unlikely the funds you receive will cover all of the costs associated with a funeral. A payment will typically cover the cost of the burial or cremation, transportation of the deceased and the cost of the death certificate or other documentation. You can also get up to £700 towards other funeral expenses. The government may recover the money if it turns out there was adequate funds in the deceased estate.
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. All of our plans include 24/7 collection, care in our quality facilities, cremation fees, provision of a simple coffin, transportation in our specialised vehicles and return of ashes. All of the services outlined in the plan will be covered, no matter how much prices may rise in the future.
For help reducing funeral costs whether you are planning a funeral for your loved one or would like to plan ahead for your own funeral, call us today or complete a contact us form and we’ll get back to you shortly.
*The average cost of a basic funeral in the UK is currently £4,271 according to the Annual Sunlife Cost of Dying Report 2018
**The average cost of a basic burial in the UK is currently £4,798 vs £3,744 for the average cremation according to the Annual Sunlife Cost of Dying Report 2018