Can anybody buy a funeral plan?
Funeral plans can be purchased by anybody, at the same cost and regardless of age or health.
Funeral plans can be also be purchased for any other person e.g. family members with or without their knowledge.
Can I transfer my plan to someone else?
You may transfer your funeral plan to someone else and we will issue a new plan certificate in the name of the new plan holder.
How does a funeral plan work?
When you take out a plan you will be allocated a local Funeral Director. If the funeral director goes out of business you will be allocated another local funeral director.
If you move house you will be re-allocated a local funeral director in your new area.
We only cover funerals carried out in the UK. If you die abroad your travel insurance should cover your repatriation to the nearest port to your address.
What's included in my plan?
In your chosen plan the Funeral Director's costs, the crematorium fees (during office hours), doctors' fees and minister or celebrant's fee are all guaranteed.
You will receive a funeral plan certificate containing the details of your plan, the funeral direcor and amounts you have paid.
You may add extra payments into your plan towards additional limousines, flowers, orders of service sheets, an organist, choir or live music and newspaper obituary notices of required or these items can be paid for at the time of need.
What happens when I die?
Your next of kin should contact your chosen Funeral Director.
Your next of kin can select your coffin from a range provided.
If extra items are needed which are not included in your plan, these will need to be paid for when the funeral is arranged.
What if I die away from home?
There is no extra charge within the mainland.
What other changes can be made to my plan?
If there is a change in the law or tax rules that affect the way we carry out your funeral we may need to apply extra charges (or pay you money back). If there are extra charges, we’ll ask you or your next of kin to pay for these.
How do I pay for my plan?
You may pay in full or pay a deposit of £250 and the balance within three months.
Payments can be made by cheque, credit and debit cards (no surcharge) or bank transfer by post, over the phone or securely online.
We will give you a courtesy call when we receive your application and we’ll send you a letter of acknowledegement in the post. This will confirm that we’ll provide the services in your plan summary when they’re needed.
Can someone else pay for my plan?
Another person can pay for your plan but if they don’t pay, you will be responsible. This means that you or another person will have to pay for your plan. You’ll own and control your plan and will receive the documents relating to it.
Is my money safe?
Your money is held in a Trust Fund [insert details]. The trust fund manager is Quilter Cheviot and the trust fund is held at Barclays Bank.
We receive an admin fee of £150 to cover our adnministration of your plan. The rest of your money is then provided to the funeral director.
What if we go out of business?
Your money will be protected by the Trust under the control of the independent trustee. The trustee will work with a replacement funeral director to provide your funeral. Alternatively your money will be returned to your estate.
How do I cancel my plan?
You may cancel your plan at any time without giving any reason and receive a full refund. You can cancel your plan by email, telephone or post.
Our right to cancel your plan
We can cancel your plan if we’re not able to carry out what’s included in your plan due to circumstances beyond our control. This may be as a result of rules at the graveyard or churchyard on masonry plans. Or, where we’re unable to provide the funeral in your chosen location or a funeral outside of Great Britain or Northern Ireland.
There is no cancellation fee. You can get your money back at any time.
What if I don't use my plan?
If your plan hasn’t been claimed 12 months after your death or your 110th birthday, we’ll write to your last known address to see if your plan is still needed. If we don’t get a response within 56 days, we’ll assume that your representative has chosen not to claim the plan benefits. We’ll then have the right to cancel your plan and keep any payments you’ve made.
What if I lose my plan documents?
If you lose any documents, don’t worry. Call us or email us, using the details below and we’ll send you a replacement.
If you want to make a complaint, you can contact us by phone, e-mail or post.
We’ll be in touch within 5 working days to let you know we’ve received your complaint. We’ll get your complaint to the right person and let you know who’ll look into your concerns. We’ll keep you updated on our investigation and try to sort out the complaint fully within 28 days. If we can’t finish our investigation within this time we’ll let you know how we’re getting on. If you’re not happy with our response to your complaint, you can take your complaint to [insert]
Where you’ve bought online, we need to tell you about the online disputes resolution platform. This allows customers and traders to agree disputes out of court. English Law applies to this agreement. Any claim made in a court relating to your plan will be in the Courts of England and Wales. If any part of the agreement doesn’t apply the rest of the agreement still stands.
This agreement is only for your benefit. No other person (including your representative or a person who pays for your plan) has any right to bring a claim under any term of this agreement.
This agreement is between you and Not For Profit Funeral Plans (registered number 10779259) a registered company registered in England and Wales with registered office at 1 Holman Road, Liskeard, Cornwall PL14 3UT.
Telephone 0800 002 9620. Calls to 0800 freephone numbers are free from landlines but call charges from mobilephones vary and you may want to check this with your service provider. VAT registered [insert].