Terms & Conditions
When you take out a plan you will be allocated a local funeral director or in some cases they will be contacted at the time of need.
You will receive a funeral plan certificate containing the details of your plan, the funeral director details and amounts you have paid.
If you move house you will be re-allocated a local funeral director in your new area as per above.
In your plan the funeral director's costs, the crematorium fees during standard hours, doctors' fees (if required) and minister/celebrant's fee are all guaranteed. The minister/celebrant's fee is set at the standard Church of England parochial fees.
For burials the disbursements include interment/grave digger fees to dig a single plot, minister/celebrant's fee and local church service at a standard time slot.
You may add extra payments to upgrade your plan at any time in the future to cover additional costs such as limousines, headstone, crematorium or burial plot if required or these items can be paid for at the time of need.
On notification to us you may transfer your funeral plan at any time to someone else as long as it is with the same allocated funeral director and there will no charge for this. If we have to approach a different funeral director this may incur additional costs.
In the first instance your next of kin should contact your chosen funeral director. If you are away from home there is no extra charge for conveyance within the UK mainland or within Northern Ireland. If you die abroad your travel insurance should cover repatriation to the seaport or airport you departed from.
Payments can be made by credit or debit card. You may pay in full. If you have agreed an instalment plan with us and in the unfortunate circumstances that you pass away before the end of the instalment plan then your next of kin must make arrangements to pay the outstanding balance.
Your money is held in the Not For Profit Funeral Plans Trust run by independent trustees. The trust fund manager is Quilter Cheviot and the monies are held at Barclays Bank.
We receive an admin fee of £185 to cover our administration of your plan. All of your funeral plan money is paid into the trust fund and is then provided to the funeral director to administer the funeral plan at the time of need.
In the unfortunate circumstances that your funeral director ceases to trade you will be re-allocated another local funeral director.
Your money will be protected by the Not For Profit Funeral Plans Trust under the control of the independent trustees. The trustees will work with a replacement funeral plan provider to administer your funeral plan. Alternatively your money will be returned to your estate. Additionally Section 75 law means if you paid part or all by credit card then you can get your money back through your credit card provider. If you paid in full by debit card then Chargeback through your bank will apply.
You may cancel your plan by email, telephone or post without giving any reason and there is no cancellation fee. You may cancel within 28 days and receive a full refund including the £185 admin fee. You may cancel your plan and receive a full refund at any time after that minus the £185 admin fee and there will be no entitlement to any accrued interest.
If your plan hasn’t been claimed and we are aware of your death and the funeral has already taken place then your estate is entitled to your funeral plan money.
If you lose any documents contact us using the details below and we’ll send you a replacement without charge.
If you want to make a complaint you can contact us by phone, email or post.
You will receive a response as soon as possible. We will let you know who’ll look into your complaint, keep you informed and try to sort out the complaint fully within 28 days. If you’re not happy with our response to your complaint, you can take your complaint to the Financial Ombudsman Service, Exchange Tower, Harbour Exchange, London, E14 9SR.
This agreement is between you and Not For Profit Funeral Plans Ltd (registered number 10779259) with registered office at 1 Holman Road, Liskeard, Cornwall PL14 3UT.
Telephone 0800 002 9620. Email firstname.lastname@example.org