These terms and conditions apply to the Simplicity Cremation Funeral Plans brought on or after 1st November 2025 . Please read through this document and all other documents that make up your funeral plan.
We are Simplicity Cremations, which is a trading style of Dignity Funerals Limited. Registered office: 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands B73 6AP. Company number: 00041598. Dignity Funerals Limited are authorised and regulated by the Financial Conduct Authority under registration number FRN 967130. You can check this on the Financial Services Register by visiting the FCA’s website: https://register.fca.org.uk/s/
We are a provider of funeral plans, and we only offer our own funeral plans. Our funeral plans cover cremation services only.
You will not receive advice or a recommendation from us for funeral plans. We will ask some questions to help you understand what we offer. You will then need to make your own choice about how to proceed.
References to “Simplicity Cremations” “we”, “our” or “us” include ourselves and any person we transfer our rights and obligations under the plan to. Please see the section ’Our right to transfer the plan’
References to “you” and “your” means the person named as a customer on your welcome letter and includes anyone who takes over your legal rights and duties under the plan.
The words shown in bold print are defined in the glossary near the end of these terms and conditions. The definitions also sets out rules that apply when interpreting the terms of your plan.
The following words in bold have special meanings in these terms and conditions, as follows.
When we say | We mean |
|---|---|
Accidental death | Death of the covered individual as a result of bodily injury sustained by accidental, violent, external or visible means, which are the sole cause of death (meaning there is no other cause). This does not include:
|
Cancellation fee | The fee we charge in certain situations where the plan is cancelled. Our current fee (subject to cooling off period) is set out on your funeral plan summary. |
Cooling off period | This is the period after purchasing your plan during which you can cancel it without any charges and receive a full refund without paying the cancellation fee. The length of this period depends on your payment method: if you paid in full, this period is 30 days; if you are paying by instalments, this period is 24 months. |
Covered area | The area within which we can arrange for funeral services to be provided. This is mainland Great Britain(England, Scotland and Wales) |
Covered individual | The person named in your welcome letter whose funeral is covered by the plan. |
Customer | The individual who has entered into this funeral plan contract and named on the welcome letter |
Funeral plan summary | This document explains a summary of the key services that are and are not included in your plan, how you will pay for your plan and information on cancellation, making a complaint and your entitlement to compensation. |
Nominated representative | The person nominated by you to be aware of your plan and how to contact us after the death of the covered individual. The nominated representative is named in welcome letter. |
Plan | The funeral plan we have agreed with you. This is made up of:
|
Purchase date | The date that you purchase your plan. |
Welcome Letter | This document provides the names of all individuals named on the plan and a summary of the method of payment agreed. |
Terms and conditions | These terms and conditions. We can amend the terms and conditions as explained in the section, “Making changes to the plan”. |
Your plan is made up of the following:
If there is any inconsistency between the terms and conditions and the funeral plan summary, the terms set out in the funeral plan summary will take precedence, to the extent of the inconsistency.
Unless we tell you otherwise at the time you apply, the plan is available to any customer and covered individual who is aged 18 or over and a resident within the covered area at the time you apply.
Plans can only be purchased directly from us by telephone or online. They cannot be purchased in person or through any third-party intermediary.
Your plan covers a range of services. A summary of the key services specific to your plan, and what is included and is not included will be listed on the funeral plan summary. Other services may also be covered or subject to limitations. These are detailed within these terms and conditions.
If services not included in your chosen plan are required at the time of the funeral, then these will have to be paid for by some other means.
For avoidance of doubt, you are unable to add anything further to your plan once you have brought it.
These features should be read in conjunction with those stated on your funeral plan summary.
have about your plan or the funeral service.
These should be read in conjunction with those stated on your funeral plan summary.
Please also note that your plan does not cover the following:
You can pay for the plan by either:
If paying by monthly instalments you must pay the monthly instalments in full and on time, as set out in the section titled ’Details of your plan’ on your welcome letter. We will tell you your payment date when you set up the plan. We will contact you if you miss a payment.
We have the right to end your plan if you miss the equivalent of two or more consecutive payments. See more details in the section, “Our right to end your plan”.
You may have to pay other taxes or costs that are not imposed by us or paid through us.
If paying for the plan by instalments and the covered individual dies within the first 24 months from the purchase date as a result of accidental death, as long as payments are up to date, there won’t be any more to pay and we will provide the funeral detailed on your plan. If payments are not up to date, we will still provide the funeral detailed on you plan if all missed payments are paid in full. Otherwise, if either payments are not brought up to date, or their death is not a result of accidental death then the personal representative will have a choice of a refund as per the “Cancellation” section or paying the outstanding balance on the plan.
Once the plan has been set up, you or we can change the plan in the ways set out below.
You must tell us as soon as possible if you or anyone named on the plan change address or any other contact details (such as telephone number or email address), and give us the new details in full.
In exceptional circumstances, there may be times when we have to suggest alternative arrangements to all or part of the services we have agreed to provide. We will discuss this with you or the person overseeing the funeral, and nay changes will be made with your agreement.
If we are unable to provide all or part of the services because of circumstances outside our control (such as war, terrorism, civil disturbance, pandemic, epidemic, or restrictions imposed by national or local government), we will discuss reasonable alternatives with you or the person overseeing the funeral. These may include postponing or restricting the services or changing where the funeral is held.
We will take reasonable steps to ensure that any alternative arrangements do not result in additional cost but if this is unavoidable and you or the person overseeing the funeral agrees to the alternative arrangements, the additional cost will not be covered by the plan and will have to be paid for by other means.
If we are unable to provide part of the services for any other reason, we can propose an alternative of at least equal quality at no further charge.
If you or the person overseeing the funeral do not agree to the alternative arrangements in any of the situations explained above, we may cancel the plan as per the “Cancellation” section of these terms and conditions.
We may have to change the cost of some or all of the services we provide under your plan. Normally in these circumstances, we will not change how much you have to pay under your plan. However, we can change the amount you have to pay under your plan if we reasonably have to make changes due to:
If we have to change the cost of any services provided as part of the plan for any of the reasons above, we will make sure that the change is proportionate and reflects our actual increase in costs. We will notify you of the change in the cost of your plan and how this affects your payments. If you are unhappy with the change, you can end your plan and we will issue a refund as per the “Cancellation” section of these terms and conditions.
This section applies to changes that do not fall within any of the other sections set out above. We can change the terms of the plan at any time, as long as it is reasonable for us to do so in order to:
We will tell you about these changes before they take effect.
Your plan will continue indefinitely, until one of the following happens:
You have a right to cancel your plan at any time, without giving us any reason and request a refund, less any cancellation fee, unless within the cooling off period.
If you have paid for your plan in full, you can cancel your plan within 30 days of buying your Plan and we’ll give you a full refund.
If you cancel after 30 days for any reason, we’ll charge a cancellation fee and refund you the balance of your payment.
If you have paid for your plan in instalments you can cancel your plan without giving us a reason within 24 months of the start of the plan and we’ll give you a full refund.
If you cancel after 24 months for any reason, we’ll charge a cancellation fee and refund you any balance of payments made.
If you do decide to cancel the plan, you must notify us either, by telephone or by email (see “How to reach us”).
Any notification of cancellation should specify all of the following details: (i) the plan number; (ii) the full name and address of the covered individual (iii) the covered individual’s date of birth; and (iv) a telephone number and/or email address for contact purposes should there be any issue with the cancellation. We might also ask you some other questions, for security.
Upon receiving your notice of cancellation, we will refund all the money paid less cancellation fee unless within cooling off period), within 30 calendar days of us receiving your notification.
For security reasons, if we have not heard from you for some time or we have attempted to contact you but our correspondence has been returned or marked as undeliverable, we may need to ask you to provide more information before we can process your request.
If we refund any amount, we will attempt to pay this to the person(s) the payments were received from, via the same payment method(s) in which they were received.
We have the right to end your plan if any of the following events occurs:
If we end your plan, we will issue a refund as per the “Cancellation” section of these terms and conditions, unless we are prohibited from doing so for legal reasons or due to instructions given to us by a court, regulator or law enforcement body or in the event of funeral plan provider failure (see “Our right to transfer the plan” section).
It is not possible to reinstate a plan once it has been cancelled or ended. We may however be able to agree a new plan with you based on your demands and needs at that time.
Your new plan may be more expensive due to changes in our pricing and/or changes in the cost of providing funeral services since the date your original plan was set up.
If you need to get in touch for any reason - to ask us a question, change or cancel your plan, you can:
We pride ourselves on our service, so we hope you never have cause to complain. But if you ever do, we promise to take it seriously and respond quickly and fairly.
First, get in touch with our Complaints Resolutions team. You can reach them:
They’ll do their best to make things right. But if you’re still not happy after that, you can take things further by complaining to the Financial Ombudsman Service.
You can reach them:
In the unlikely event we are not able to meet its obligations and is unable to pay claims made against us, for instance in the event we stop trading or become insolvent, you (or your estate) may be entitled to compensation from the Financial Services Compensation Scheme. Your entitlement will be dependent on the circumstances of the claim. Further information can be found by contacting the Financial Services Compensation Scheme:
This plan is personal to you and you cannot assign, transfer or make this plan the subject of any trust or security.
By entering into this agreement you confirm that we can assign and transfer all our rights and obligations under the plan to another person who we reasonably believe is able to perform our outstanding obligations under the plan. This includes in the unlikely event that our business fails and we need to transfer your plan to another funeral plan provider.
If we are unable to continue to provide your plan or transfer your plan to another funeral plan provider, your plan will be cancelled. We will write to you (or your next of kin if you have passed away) to notify you and to arrange a refund of the monies paid by you. How we refund monies is set out in the section above.
If we do not enforce our rights under the plan, or delay in doing so, this will not restrict our ability to enforce those rights now or in the future.
We have appointed trustees to hold your funds in line with Financial Conduct Authority (FCA) rules. We and the trustees do not offer tax or legal advice, however large gifts or transfers into trust may have inheritance tax implications for you and also affect the inheritance tax position of the trust. We assume that you have not gifted property, being cash or any other assets, either outright or into a trust, within the last 7 years which exceeds £260,000 in value but you agree to notify us if you have done so. If you are unsure, please speak to a qualified tax or legal adviser.
Each term in your plan is separate from the others. This means that if one or more term becomes illegal or unenforceable, this will not affect the other terms. The other terms will apply as if the illegal or enforceable term had not been included in your plan.
No one other than the following people will have any rights under, or will be able to enforce the terms of your plan:
Your plan is in English and we will communicate with you in English. You must also communicate with us in English.
Your agreement with us under your plan is governed by English law. The courts of England and Wales will have jurisdiction in relation to any claims or disputes of any nature that arise under or in relation to the plan. If you are resident in Scotland or Northern Ireland, you can raise an action in your local courts.
The following rules of interpretation also apply:
Our registration number with the Information Commissioner’s Office is Z6698248. We collect, store and use your personal information to provide and manage the relevant funeral service. For information on how we do this, see our privacy notice. If you’d like a paper copy of our privacy notice, just let us know. You may supply information about another person or other people to us when you buy a funeral plan. You confirm that you have their permission to pass on their details, including any sensitive data to us and that they agree to us holding and processing their information and data. Data provided to us will be processed in accordance with our privacy policy.
Simplicity Cremations is a trading name for Dignity Funerals Limited. Dignity Funerals Limited is registered in England No. 00041598. VAT No. 486 6081 14. Registered office is: 4 King Edwards Court, King Edwards Square, Sutton Coldfield B73 6AP. Dignity Funerals Limited is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 967130.
Calls may be recorded for monitoring and training purposes. All calls made to 0800 and 0808 numbers are free of charge, whether made from a landline or mobile phone.
Please note: the selling and administering of funeral plans is regulated by the Financial Conduct Authority (FCA). However, if you are buying a funeral without a funeral plan, it will not be covered by FCA regulation.
We are a member of the National Association of Funeral Directors.