Funeral plan FAQs

Your local Southern Co-operative Funeralcare Director will be able to answer any questions you may have about pre-paid funeral plans. We have also put together some answers to the most frequently asked questions below to help you.

What is a funeral plan?

A funeral plan allows you to arrange and pay for your funeral in advance of need, providing emotional and financial peace of mind for you and your family.

Where do I have to go to arrange a Southern Co-operative Funeral Plan?

A Southern Co-operative Funeral Plan can be arranged at your local Funeral Directors or in the comfort of your own home by prior appointment.

Who can arrange a Southern Co-operative Funeral Plan?

The Southern Co-operative Funeral Plan is available to anyone aged 18 and over. You can arrange a funeral plan for yourself or on behalf of a partner, relative or friend.

Do I need a medical to purchase a Southern Co-operative Funeral Plan?

No, there are no medical questions and there is no medical required when applying for a Southern Co-operative Funeral Plan, whether or not you have any existing medical conditions.

Can more than one person be named on a Southern Co-operative Funeral Plan?

Two people can be named on a Southern Co-operative Funeral Plan, with the option to use it for either the first or the second person that passes away.

How much does a Southern Co-operative Funeral Plan cost?

The cost of a funeral plan will depend on the options you choose, for example, the type of coffin and funeral vehicles, or if you require flowers, stationery or memorials. We can supply you with a free no obligation quotation detailing all of these costs.

Will there be anything else to pay for at the time of the funeral?

A Southern Co-operative Funeral Plan guarantees to provide the exact funeral services paid for with no hidden charges or conditions. Whether the funeral takes place in 5 or 50 years time, there will be nothing left to pay, covering all costs including any disbursements.

Will a Southern Co-operative Funeral Plan cover costs if I die abroad?

The Southern Co-operative Funeral Plan does not cover funerals that take place aboard. If you plan to go abroad, you should ensure that your travel or medical insurance policy includes full cover for repatriation costs. Once repatriated to the UK, the funeral plan can then be used to arrange the funeral as normal.

How do I pay for a Southern Co-operative Funeral Plan?

Payment can be made by a one off payment via cash, cheque, credit or debit card or by regular monthly instalments from 12 – 60 months*. *Instalments over 24 months will incur an additional instalment charge.

If I die prior to completing the instalment plan, is the fixed price still guaranteed?

In the event of payments lapsing through death, the guaranteed price for the service remains but the outstanding balance must be paid before the funeral can take place.

How will the person arranging my funeral know what to do when the time comes?

It is important to let the next of kin or executor know that you have arranged a Southern Co-operative Funeral Plan and where the funeral plan certificate can be found. At the time of need, they must contact your local Funeral Director who will organise the funeral arrangements specified in the funeral plan.

Can I cancel a Southern Co-operative Funeral Plan?

If you change your mind and want to cancel a funeral plan outside our 28 day cooling-off period, the amount returned will be the monies paid into the funeral plan, minus an administration charge.

Can I change a Southern Co-operative Funeral Plan if my wishes change?

Yes, you can alter your funeral plan arrangements at a later date, although we would charge for additional expense at the price prevailing at the time of change.

Will my money be safe?

All Southern Co-operative Funeral Plan monies are invested in a regulated whole of life insurance policy or trust fund in accordance with the Financial Services & Markets Act 2000 (Regulated Activities) Order 2001.