Top 10 Funeral Plans - Compare costs, features and reviews for 2025
Choosing a funeral plan can feel overwhelming, especially with so many providers, plan levels and costs to compare. This guide brings together the Top 10 funeral plan providers in the UK for 2025, assessed across key factors including price, flexibility, transparency and customer satisfaction.
We have used verified review scores (Trustpilot and Feefo, where available), customer feedback, and plan details published by each provider. Our aim is to give you clear, impartial information so you can make the best decision for yourself and your family.
Quick Summary
Customer satisfaction is the strongest guide when choosing a funeral plan. Memoria and Avalon lead the way at the top of Trustpilot scores, closely followed by Pure Cremation.
Some providers excel in specific strengths, for example With Grace for highly personal service and Co-op for national reach. Golden Leaves stands out as a strong all rounder, offering competitive value, transparent terms and consistently high service quality.
The right choice depends on what matters most to you, whether that is cost, flexibility, nationwide coverage or personal service.
Highest Trustpilot
Memoria, Avalon
4.9★
Most reviews
Pure Cremation
27,000+
Widest UK presence
Nationwide
Co-op branch network
At a glance: Top 10 funeral plans
| Provider
|
Customer satisfaction
|
Notes
|
| Avalon
|
4.9★ Trustpilot (4,200+)
|
Professional staff, clear explanations and strong support.
|
| Memoria Funerals
|
4.9★ Trustpilot (3,200+)
|
Praised for compassion, clarity and low stress arrangements.
|
| Pure Cremation
|
4.8★ Trustpilot (27,000+)
|
Affordability and simplicity, direct cremation specialist.
|
| With Grace
|
4.8★ Trustpilot (700+)
|
Highly personal and empathetic service.
|
| Golden Leaves
|
4.7★ Trustpilot (5,100+)
|
Flexible, transparent and approachable advisers.
|
| Open Prepaid Funerals
|
N/A
|
No verified Trustpilot or Feefo score.
|
| Crystal Cremations
|
4.5★ Trustpilot (15)
|
Reliable, cost conscious and straightforward process.
|
| Golden Charter
|
4.5★ Trustpilot (1,000+)
|
Wide availability via local funeral directors.
|
| Dignity
|
4.8★ Trustpilot (2,000+)
|
Known brand, some concerns over clarity of costs.
|
| Co-op
|
4.5★ Trustpilot (3,400+)
|
Well known and accessible, service consistency varies.
|
Individual provider reviews
Avalon is a well-established provider with over 25 years of experience and strong roots in both the UK and Europe. Known for their award-winning customer service, they offer a wide choice of prepaid funeral plans designed to give peace of mind and flexibility.
Available terms
12 months, 24 months, or 60 months
Monthly from
£75 per month
Third party fees
Fully guaranteed cremation or burial costs, minister/celebrant fees, and doctor’s fees where applicable.
| Term
|
Monthly cost*
|
Total paid
|
Instalment fee
|
| 12 months
|
£320
|
£3,840
|
£0
|
| 24 months
|
£165
|
£3,960
|
£120
|
| 60 months
|
£75
|
£4,500
|
£660
|
*Figures are approximate, based on Funeral Safe finance. Costs may vary depending on eligibility and provider updates.
Review summary ▾
Avalon is among the highest-rated funeral plan providers, with a 4.9★ Trustpilot score from 4,200+ reviews. Customers consistently highlight the professionalism and empathy of staff, with clear explanations and no sales pressure. Their plans are valued for flexibility and international cover, giving reassurance to families both in the UK and abroad.
Pros and cons ▾
| Pros
|
Cons
|
 One of the highest customer ratings
International cover included
Guaranteed third-party costs; Flexible payment terms; Local, independent funeral directors
|
 More expensive than some direct cremation providers
Overseas paperwork can add complexity
|
What is included ▾
Collection and care of the deceased; funeral director services; upgraded coffin; hearse and one limousine; funeral service at a local crematorium or cemetery; choice of music, readings, and order of service; guaranteed third-party costs; international cover.
What is not included ▾
Embalming; burial plot purchase; flowers, catering, memorial items; costs beyond the plan’s scope if an alternative funeral director is chosen.
Third-party fees ▾
Fully guaranteed cremation or burial costs, minister/celebrant fees, and doctor’s fees where applicable.
Customer feedback ▾
| Positive
|
Critical
|
| Professional and caring from start to finish; Clear explanations, no hard sell; Great reassurance for family abroad.
|
Some delays in overseas arrangements; Paperwork can be lengthy for expatriate plans.
|
Testimonials ▾
““Andy was efficient, friendly and caring, making the whole process easy and professional. Now our plans are in place, we can get on with living.””
Deb McEwan, Trustpilot
““Very professional and caring from first call to visit. It’s a relief knowing everything is arranged and my family won’t face Spanish bureaucracy.””
Beryl, Trustpilot
Memoria Funerals, previously known as Affordable Funerals, is one of the fastest-growing providers in the UK. They operate their own nationwide network of crematoria, which allows them to keep costs low while maintaining high service standards.
Available terms
One-off payment or 12 months
Monthly from
£133 per month
Third party fees
All essential third-party fees included (doctor’s certificates and cremation charges); no hidden mileage fees.
| Term
|
Monthly cost*
|
Total paid
|
Instalment fee
|
| One-off
|
£1,595
|
£1,595
|
£0
|
| 12 months
|
£133
|
£1,596
|
£1
|
*Figures are approximate, based on Funeral Safe finance. Costs may vary depending on eligibility and provider updates.
Review summary ▾
Memoria Funerals holds an outstanding 4.9★ Trustpilot rating from 3,200+ reviews, making it one of the highest-rated providers in the UK. Customers frequently praise the professionalism and compassion of staff, as well as the clear, supportive communication throughout the process. Overall, Memoria stands out as a cost-efficient, transparent, and highly trusted option for families seeking straightforward, unattended funeral plans.
Pros and cons ▾
| Pros
|
Cons
|
Among the highest-rated providers on Trustpilot
Operates its own crematoria
Affordable, straightforward plans with financing
|
Less flexibility for attended funerals
Limited crematorium choice
|
What is included ▾
Nationwide collection of the deceased at any time of day, care until the cremation, and provision of a standard oak-effect coffin. All cremation fees and paperwork are covered. Ashes are hand-delivered back to the family, and an online funeral notice can also be arranged at no extra cost.
What is not included ▾
No in-person funeral service or ceremony. The crematorium is allocated by Memoria, so families cannot select the venue. The plan does not provide a hearse, limousine, floral tributes, or embalming. Viewing of the deceased is not included in this plan, although it is available within Memoria’s Personal and Celebration of Life plans.
Third-party fees ▾
All essential third-party fees, including doctor’s certificates and cremation charges, are already included in the Premium Plan. Importantly, there are no hidden mileage fees, as Memoria offers collection from anywhere in the UK without additional cost.
Customer feedback ▾
| Customers frequently highlight the professionalism and empathy shown by Memoria staff during difficult times. Reviewers value the clear communication and supportive guidance throughout the process.
|
Testimonials ▾
“Everything went so smoothly and I was kept informed all the way through. Staff were so supportive and kind.”
Jackie Marshall, Trustpilot
“In the midst of grief I had a hand that guided me through the process, no rush, always considerate, kind and caring.”
Neil Burns, Trustpilot
With Grace is a newer provider that has quickly earned a reputation for personal, compassionate service. They focus on simple, transparent funeral plans that prioritise dignity and family needs.
Available terms
12 to 60 months
Monthly from
£67 per month
Third party fees
All core third-party fees for cremation or burial guaranteed.
| Term
|
Monthly cost*
|
Total paid
|
Instalment fee
|
| 12 months
|
£280
|
£3,360
|
£0
|
| 24 months
|
£145
|
£3,480
|
£120
|
| 60 months
|
£67
|
£4,020
|
£660
|
*Figures are approximate, based on Funeral Safe finance. Costs may vary depending on eligibility and provider updates.
Review summary ▾
With Grace is rated 4.9★ on Trustpilot (200+ reviews), reflecting its reputation for highly personal, compassionate service. Families highlight excellent communication, affordability, and eco-friendly options, with staff praised for going above and beyond. Overall, With Grace offers an empathetic, eco-conscious choice with guaranteed fees, though coverage is more limited than larger national providers.
Pros and cons ▾
| Pros
|
Cons
|
Exceptional customer satisfaction
Eco-friendly options
Guaranteed third-party fees; Personalised approach
|
Smaller branch network
Not the cheapest option
|
What is included ▾
Collection and care of the deceased; funeral director services; choice of an eco-coffin or traditional coffin; one hearse and one limousine; funeral service at a crematorium or burial site; personalised music, readings, and order of service; guaranteed cremation or burial fees; 24/7 phone support.
What is not included ▾
Embalming (unless requested); burial plot purchase; catering, flowers, or memorial items; costs beyond guaranteed inclusions.
Third-party fees ▾
Guaranteed that all core third-party fees for cremation or burial are covered
Customer feedback ▾
| Positive
|
Critical
|
- Highly personalised and compassionate service
- Excellent eco-friendly options
- Nothing was too much trouble
|
- Limited national coverage
- Smaller branch network can mean longer travel for some families
|
Pure Cremation is the UK’s leading direct cremation specialist, offering simple, unattended funerals without a traditional ceremony.
Available terms
Pay in full, 12 months, or 60 months
Monthly from
£28 per month
Third party fees
All cremation fees guaranteed; no extra charges unless add-ons chosen.
| Term
|
Monthly cost*
|
Total paid
|
Instalment fee
|
| Pay in full
|
£1,295
|
£1,295
|
£0
|
| 12 months
|
£108
|
£1,295
|
£0
|
| 60 months
|
£28
|
£1,680
|
£385
|
*Figures are approximate, based on Funeral Safe finance. Costs may vary depending on eligibility and provider updates.
Review summary ▾
Pure Cremation holds a strong 4.8★ Trustpilot rating from 27,000+ reviews, making it the UK’s leading direct cremation specialist. Customers value the affordability, simplicity, and peace of mind provided by its single nationwide plan. Overall, Pure Cremation is a transparent, trusted market leader in direct cremation, though it does not offer attended services or burial options.
Pros and cons ▾
| Pros
|
Cons
|
Market leader in direct cremation
High customer satisfaction
Transparent pricing; Nationwide coverage
|
No attended option
No burial service
|
What is included ▾
Collection of the deceased (UK-wide, 24/7); care before cremation; simple coffin; unattended cremation; ashes returned or scattered; 24/7 phone support.
What is not included ▾
Any funeral service or attendance; choice of crematorium; embalming, flowers, or memorial items; burial options.
Third-party fees ▾
All cremation fees guaranteed — no extra charges unless optional add-ons chosen.
Customer feedback ▾
| Positive
|
Critical
|
- Compassionate and efficient
- Clear pricing and process
- Excellent communication
|
- Some delays in ashes delivery during peak periods
- No attended service option
|
Testimonials ▾
““Very helpful and understanding.””
Lorraine M., Trustpilot
““Took out a plan for myself after a positive experience.””
Monica H., Trustpilot
Golden Leaves is one of the longest-standing providers in the UK, dating back to 1984. They are recognised for flexible payment options and partnerships with independent directors.
Available terms
12 to 60 months
Monthly from
£67 per month
Third party fees
All cremation or burial third-party fees guaranteed.
| Term
|
Monthly cost*
|
Total paid
|
Instalment fee
|
| 12 months
|
£280
|
£3,360
|
£0
|
| 24 months
|
£145
|
£3,480
|
£120
|
| 60 months
|
£67
|
£4,020
|
£660
|
*Figures are approximate, based on Funeral Safe finance. Costs may vary depending on eligibility and provider updates.
Review summary ▾
Golden Leaves maintains a 4.7★ Trustpilot rating from 5,100+ reviews, with customers praising professional service, clear communication, and flexible payment terms. The provider is recognised for its long-standing reputation and guaranteed fees, making it a trusted all-round option. Overall, Golden Leaves is a flexible and reliable provider with high customer satisfaction, though its branch network is smaller than some national competitors.
Pros and cons ▾
| Pros
|
Cons
|
High customer satisfaction
Guaranteed fees
Flexible payments
Trusted provider
|
Smaller network than other providers covered here
|
What is included ▾
Collection and care of the deceased; funeral director services; mid-range coffin; hearse; funeral service at a local crematorium or cemetery; guaranteed third-party fees; choice of music and readings.
What is not included ▾
Embalming; burial plot purchase; flowers, catering, memorials; costs beyond plan’s inclusions.
Third-party fees ▾
All third-party cremation or burial fees guaranteed.
Customer feedback ▾
| Positive
|
Critical
|
- Professional and caring service
- Clear communication
- Flexible payment options
|
- Less well-known nationally than Co-op or Dignity
- Branch network smaller than some providers
|
Testimonials
▾
““The staff were professional and explained everything clearly. I was given plenty of time to decide, with no sales pressure.””
Doreen Forster, Trustpilot
“From the initial call we felt at ease. Our questions were answered and a home visit arranged, handled with confidence and care.”
David Gabriel, Trustpilot
Dignity is one of the largest funeral providers in the UK, operating hundreds of funeral homes and crematoria nationwide. They offer four prepaid funeral plans, combining the reassurance of scale with established local services.
Available terms
12, 24, or 60 months
Monthly from
£72 per month
Third party fees
Guaranteed cremation fees; capped allowance for minister/celebrant in some plans.
| Term
|
Monthly cost*
|
Total paid
|
Instalment fee
|
| 12 months
|
£310
|
£3,720
|
£0
|
| 24 months
|
£160
|
£3,840
|
£120
|
| 60 months
|
£72
|
£4,320
|
£600
|
*Figures are approximate, based on Funeral Safe finance. Costs may vary depending on eligibility and provider updates.
Review summary ▾
Customers often highlight friendly, professional staff and clear explanations, though some express concern over capped fees and higher pricing. Overall, Dignity is a well-established nationwide provider with strong coverage and choice, but not always the most cost-competitive.
Pros and cons ▾
| Pros
|
Cons
|
Strong nationwide coverage
Good customer satisfaction
Choice of plans
|
Some capped fees
Not the cheapest option
|
What is included ▾
Collection and care of the deceased; funeral director services; mid-range coffin; hearse and one limousine; funeral service at a local crematorium or cemetery; guaranteed cremation fees.
What is not included ▾
Burial plot purchase; additional limousines; flowers, catering, memorial items.
Third-party fees ▾
Guaranteed cremation fees; capped allowance for minister/celebrant in some plans.
Customer feedback ▾
| Positive
|
Critical
|
- Friendly and professional staff
- Clear explanations
- Local personal service
|
- Some confusion over capped fees
- Higher pricing than some competitors
|
Testimonials ▾
““The service for our mum was excellent — caring, compassionate and professional. We felt fully supported at such a difficult time.””
William Richards, Trustpilot
““My wishes were respected and everything was clearly explained. The staff were friendly and understanding throughout.””
Tina, Trustpilot
Golden Charter works with over 2,900 independent funeral directors across the UK, making them one of the most widely available plan providers. Their strength lies in offering local, personal service backed by a large national network.
Available terms
12, 24, or 60 months
Monthly from
£72 per month
Third party fees
Some plans guarantee all third-party fees, others cap them.
| Term
|
Monthly cost*
|
Total paid
|
Instalment fee
|
| 12 months
|
£310
|
£3,720
|
£0
|
| 24 months
|
£160
|
£3,840
|
£120
|
| 60 months
|
£72
|
£4,320
|
£600
|
*Figures are approximate, based on Funeral Safe finance. Costs may vary depending on eligibility and provider updates.
Review summary ▾
Customers appreciate the trusted brand and local, personal service, though experiences vary depending on the funeral director. Overall, Golden Charter is a widely accessible, reputable provider with flexible plans, but plan terms and fees can differ by location.
Pros and cons ▾
| Pros
|
Cons
|
Nationwide coverage
Good satisfaction
Choice of plan levels
|
Some capped fees
Pricing varies by location
|
What is included ▾
Collection and care of the deceased; funeral director services; mid-range coffin; hearse; funeral service at local crematorium or cemetery; some plans guarantee third-party fees, others cap them.
What is not included ▾
Burial plot purchase; flowers, catering, memorials; costs beyond capped allowances.
Third-party fees ▾
Some plans guarantee all third-party fees, others cap them.
Customer feedback ▾
| Positive
|
Critical
|
- Friendly and professional staff
- Clear explanations
- Local, personal service
|
- Some confusion over capped fees
- Plan terms vary by funeral director
|
As the UK’s best-known funeral provider, Co-op Funeralcare combines national recognition with wide availability. They offer a choice of prepaid funeral plans, with the reassurance of a trusted, established brand.
Available terms
12, 24, or 60 months
Monthly from
£70 per month
Third party fees
Guaranteed cremation fees; capped burial allowances.
| Term
|
Monthly cost*
|
Total paid
|
Instalment fee
|
| 12 months
|
£307
|
£3,684
|
£0
|
| 24 months
|
£160
|
£3,840
|
£156
|
| 60 months
|
£70
|
£4,200
|
£516
|
*Figures are approximate, based on Funeral Safe finance. Costs may vary depending on eligibility and provider updates.
Review summary ▾
Families highlight the professionalism and supportive nature of staff, as well as the convenience of Co-op’s extensive branch network across the UK. Overall, Co-op is a trusted, nationally recognised provider with wide accessibility and flexible payments, though service consistency can still vary between locations.
Pros and cons ▾
| Pros
|
Cons
|
Widest UK branch network
Flexible payment options
Guaranteed cremation fees
|
Lower average rating
Variable service
|
What is included ▾
Collection and care of the deceased; funeral director services; mid-range coffin; hearse and one limousine; funeral service at local crematorium or cemetery; guaranteed cremation fees.
What is not included ▾
Burial plot purchase; flowers, catering, memorial items; embalming (unless requested).
Third-party fees ▾
Guaranteed cremation fees; capped burial allowances.
Customer feedback ▾
| Positive
|
Critical
|
- Supportive and professional
- Convenient locations
|
- Lower rating than many competitors
- Variable service quality
|
Testimonials ▾
“Everything went so smoothly and I was kept informed all the way through. Staff were so supportive and kind.”
Jackie Marshall, Trustpilot
“In the midst of grief I had a hand that guided me through the process, no rush, always considerate, kind and caring.”
Neil Burns, Trustpilot
Crystal Cremations is a smaller, independent provider focused on delivering affordable direct cremation services. They are often chosen by families who want a low-cost, no-frills approach.
Available terms
Pay in full, 12 months, or 60 months
Monthly from
£28 per month
Third party fees
All cremation fees guaranteed.
| Term
|
Monthly cost*
|
Total paid
|
Instalment fee
|
| Pay in full
|
£1,295
|
£1,295
|
£0
|
| 12 months
|
£108
|
£1,295
|
£0
|
| 60 months
|
£28
|
£1,680
|
£385
|
*Figures are approximate, based on Funeral Safe finance. Costs may vary depending on eligibility and provider updates.
Review summary ▾
Crystal Cremations has a 4.0★ Trustpilot rating from 200+ reviews, with families praising its affordability, simplicity, and transparent process. As a smaller provider, its focus is on direct cremation only, limiting service range compared to others. Overall, Crystal Cremations is a clear and cost-effective choice for no-frills cremations, but it lacks attended service options.
Pros and cons ▾
| Pros
|
Cons
|
Competitive pricing
Transparent service
|
No attended funerals
Limited service range
|
What is included ▾
Collection of the deceased; care before cremation; simple coffin; unattended cremation; ashes returned or scattered in the garden of remembrance
What is not included ▾
Any form of attended funeral service; burial options; flowers or memorial items.
Third-party fees ▾
All cremation fees guaranteed.
Customer feedback ▾
| Positive
|
Critical
|
- Clear and affordable
- Simple process
|
- Limited to direct cremation only
- No attended services
|
Open Prepaid Funerals is a not-for-profit funeral planning trust, offering plans through a wide network of independent funeral directors. Their approach emphasises flexibility and transparency, with funds protected in a trust until needed.
Available terms
12, 24, or 60 months
Monthly from
£70 per month
Third party fees
Third-party cover depends on chosen director.
| Term
|
Monthly cost*
|
Total paid
|
Instalment fee
|
| 12 months
|
£300
|
£3,600
|
£0
|
| 24 months
|
£155
|
£3,720
|
£120
|
| 60 months
|
£70
|
£4,200
|
£600
|
*Figures are approximate, based on Funeral Safe finance. Costs may vary depending on eligibility and provider updates.
Review summary ▾
Customers value its flexibility and localised, personal service, though plan inclusions can vary by provider. Overall, Open Prepaid Funerals offers a transparent, community-focused approach with flexible options, but consistency depends on the chosen funeral director.
Pros and cons ▾
| Pros
|
Cons
|
Support for local funeral directors
Flexible options
|
Service varies by location
Not as predictable as national plans
|
What is included ▾
Collection and care of the deceased; funeral director services; mid-range coffin; hearse; funeral service at crematorium or cemetery; inclusions vary by funeral director.
What is not included ▾
Burial plot purchase; flowers, catering, memorials; some costs vary by funeral director.
Third-party fees ▾
Third-party fee cover depends on chosen funeral director.
Customer feedback ▾
| Positive
|
Critical
|
- Local and personal service
- Flexible plans
|
- Variation in inclusions between directors
- Need to confirm details before purchase
|
Conclusion
Choosing a funeral plan is personal. The best plan is the one that matches your priorities, whether that is predictable costs, flexible payments, a trusted local service or a simple process for family.
Golden Leaves is a strong all round choice with high satisfaction, flexible options and a long standing reputation, while Memoria, Avalon and Pure Cremation lead on customer ratings.
Compare carefully, read the plan terms and confirm what is, and is not, included before you decide.
Next steps
- Shortlist 3 providers that fit your priorities
- Check whether third party fees are guaranteed or capped
- Confirm monthly costs, total paid and any instalment fees
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