What is a pre-paid funeral plan?
A Southern Co-op pre-paid funeral plan can be used to provide a burial or cremation funeral when the time comes, at a funeral home of your choosing.
None of us like to think about the end of life, but by planning ahead we can reduce the burden on the people we love, at a painful time.
All our funerals are undertaken with our usual high standard of dignity, respect and care for the deceased.
Our experienced and dedicated Funeral & Memorial Consultants are available to offer support and advice in your 24/7 hour of need.
Why choose Southern Co-op?
Caring for local families for generations
When someone passes away, end-of-life care needs to be dependable, compassionate, and ethical. With decades of experience, our trusted funeral directors are available 24/7.
Your funeral will be carried out by one of our funeral homes or one of our partner funeral homes if you relocate outside of our normal trading area.
You will choose your funeral home when you buy your plan (this can be changed at any time).
Safe investment
All our funeral homes are members of the National Association of Funeral Directors (NAFD).
All monies paid towards Southern Co-operative funeral plans (excluding admin and instalment fees) are invested in a regulated whole of life insurance policy in accordance with our statutory obligations. When you buy a plan from Southern Co-operative Funerals we buy a whole of life insurance policy with Royal London Mutual Insurance Society Limited (Royal London). Royal London is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority.
Personalised or packaged funeral plans
To make planning your funeral as simple as possible we offer a range of funeral plan options to meet both your wishes and budget.
Whether that is a fully personalised funeral plan or one of our online package funeral plans; we’ll explain all the options available and give you all the time you need to make the right decision for you.
We’re here for you every step of the way.
End-to-end service
No need to shop around. Our trusted Funeral & Memorial Consultants are available to take care of funeral planning, funeral services, burials or cremations, memorialisation options and aftercare.
Southern Co-op members save more
Having a Co-op membership means you’re a part-owner of our business. You’ll be at the heart of everything we do as a co-operative: helping to shape success.
With a Co-op membership, you’ll be supporting a thriving, sustainable regional business, helping to do good for local communities and causes, because the more you shop with us, the more we give back to your community.
Please visit southern.coop/membership to become a member and/or the most up to date information on Southern Co-op membership benefit entitlements.
Simple burial funeral package
from £4,044
Includes the essentials necessary for an attended funeral service with the time/date of the funeral usually taking place on a weekday morning/late afternoon.
- Funeral director fees
- Legal paperwork
- Basic wood veneer coffin
- Suitable transport for deceased
- Funeral service
- £950 towards third party disbursement fees.
This could mean there might be more to pay if prices rise.
- £299 administration charge included
All our funerals are undertaken with our usual high standard of dignity, respect and care for the deceased. Our experienced and dedicated Funeral & Memorial Consultants are available to offer support and advice in your 24/7 hour of need.
*Our funeral plan packages do not include the grave purchase. Please ensure you read the important information about burials and memorials for full details of what is and isn’t included with a set burial funeral plan.
Classic burial funeral package
from £4,609
Includes everything necessary for an attended funeral service, with all third-party fees paid and flexibility for the time/date of the funeral.
- Funeral director fees
- Legal paperwork
- Wood veneer coffin
- Funeral service
- All third-party disbursement fees paid
- Traditional hearse
- One limousine
- £299 administration charge included
All our funerals are undertaken with our usual high standard of dignity, respect and care for the deceased. Our experienced and dedicated Funeral & Memorial Consultants are available to offer support and advice in your 24/7 hour of need.
*Our funeral plan packages do not include the grave purchase. Please ensure you read the important information about burials and memorials for full details of what is and isn’t included with a set burial funeral plan.
Premium burial funeral package
from £4,774
Includes everything necessary for an attended funeral service, with all third-party fees paid, flexibility for the time/date of the funeral, one limousine and embalming of the deceased.
- Funeral director fees
- Legal paperwork
- Quality wood veneer coffin
- Funeral service
- All third-party disbursement fees paid
- Traditional hearse
- One limousine
- Embalming of the deceased
- £299 administration charge included
All our funerals are undertaken with our usual high standard of dignity, respect and care for the deceased. Our experienced and dedicated Funeral & Memorial Consultants are available to offer support and advice in your 24/7 hour of need.
*Our funeral plan packages do not include the grave purchase. Please ensure you read the important information about burials and memorials for full details of what is and isn’t included with a set burial funeral plan.
Prestige burial funeral package
from £5,024
Includes everything necessary for an attended funeral service, with all third-party fees paid, flexibility for the time/date of the funeral, two limousines and embalming of the deceased.
- Funeral director fees
- Legal paperwork
- Panelled quality wood veneer coffin
- Funeral service
- All third-party disbursement fees paid
- Traditional hearse
- Two limousines
- Embalming of the deceased
- £299 administration charge included
All our funerals are undertaken with our usual high standard of dignity, respect and care for the deceased. Our experienced and dedicated Funeral & Memorial Consultants are available to offer support and advice in your 24/7 hour of need.
*Our funeral plan packages do not include the grave purchase. Please ensure you read the important information about burials and memorials for full details of what is and isn’t included with a set burial funeral plan.
Personalised burial funeral package
Everyone is unique and we all have different preferences and budgets.
A personalised funeral plan gives you full control over all the choices – we know that it’s the little things that make a funeral special.
Have a question? Get in touch with our friendly and knowledgeable Funeral Planning team today on 0800 243 380
All our funerals are undertaken with our usual high standard of dignity, respect and care for the deceased.
Our experienced and dedicated Funeral & Memorial Consultants are available to offer support and advice in your 24/7 hour of need.
*Our burial funeral plans do not include the grave purchase. Please ensure you read the important information about burials and memorials for full details of what is and isn’t included with a burial funeral plan.
Direct cremation funeral package
from £1,539
A low-cost alternative to a traditional funeral service as it has no funeral service, no ceremony, no mourners and no visitors to the funeral home.
- Funeral director fees
- Legal paperwork
- Basic coffin
- Suitable transport for deceased
- £299 administration charge included
All our funerals are undertaken with our usual high standard of dignity, respect and care for the deceased. Our experienced and dedicated Funeral & Memorial Consultants are available to offer support and advice in your 24/7 hour of need.
Simple cremation funeral package
from £4,044
Includes the essentials necessary for an attended funeral service with the time/date of the funeral usually taking place on a weekday morning/late afternoon.
- Funeral director fees
- Legal paperwork
- Basic wood veneer coffin
- Suitable transport for deceased
- Funeral service
- £950 towards third party disbursement fees.
- This could mean there might be more to pay if prices rise.
- £299 administration charge included
All our funerals are undertaken with our usual high standard of dignity, respect and care for the deceased. Our experienced and dedicated Funeral & Memorial Consultants are available to offer support and advice in your 24/7 hour of need.
Classic cremation funeral package
from £4,579
Includes everything necessary for an attended funeral service, with all third-party fees paid and flexibility for the time/date of the funeral.
- Funeral director fees
- Legal paperwork
- Wood veneer coffin
- Funeral service
- All third-party disbursement fees paid
- Traditional hearse
- One limousine
- £299 administration charge included
All our funerals are undertaken with our usual high standard of dignity, respect and care for the deceased. Our experienced and dedicated Funeral & Memorial Consultants are available to offer support and advice in your 24/7 hour of need.
Premium cremation funeral package
from £4,774
Includes everything necessary for an attended funeral service, with all third-party fees paid, flexibility for the time/date of the funeral, one limousine and embalming of the deceased.
- Funeral director fees
- Legal paperwork
- Quality wood veneer coffin
- Funeral service
- All third-party disbursement fees paid
- Traditional hearse
- One limousine
- Embalming of the deceased
- £299 administration charge included
All our funerals are undertaken with our usual high standard of dignity, respect and care for the deceased. Our experienced and dedicated Funeral & Memorial Consultants are available to offer support and advice in your 24/7 hour of need.
Prestige cremation funeral package
from £5,024
Includes everything necessary for an attended funeral service, with all third-party fees paid, flexibility for the time/date of the funeral, two limousines and embalming of the deceased.
- Funeral director fees
- Legal paperwork
- Panelled quality wood veneer coffin
- Funeral service
- All third-party disbursement fees paid
- Traditional hearse
- Two limousines
- Embalming of the deceased
- £299 administration charge included
All our funerals are undertaken with our usual high standard of dignity, respect and care for the deceased. Our experienced and dedicated Funeral & Memorial Consultants are available to offer support and advice in your 24/7 hour of need.
Personalised cremation funeral package
Everyone is unique and we all have different preferences and budgets.
A personalised funeral plan gives you full control over all the choices – we know that it’s the little things that make a funeral special.Contact us
Have a question? Get in touch with our friendly and knowledgeable Funeral Planning team today on 0800 243 380
All our funerals are undertaken with our usual high standard of dignity, respect and care for the deceased.
Our experienced and dedicated Funeral & Memorial Consultants are available to offer support and advice in your 24/7 hour of need.
Funeral plans calculator
Fixed monthly payment
£332.92
/ a month *Total payment £3,995Total payment includes any applicable monthly instalment charges but excludes £299 administration charge. Administration charge and first monthly instalment charge required at point of purchase.
Fixed monthly payment
£103.34
/ a month *Total payment £1,490.08Total payment includes any applicable monthly instalment charges but excludes £299 administration charge. Administration charge and first monthly instalment charge required at point of purchase.
Benefits of planning ahead
Tailored to your individual needs
We recognise that making funeral arrangements in advance of need involves making many important decisions.
We believe you should have the opportunity to make those important decisions yourself and have the time to think carefully about what you and your family want.
Our funeral plans are available to anyone aged 18 and over. You can arrange a funeral plan for yourself or on behalf of a partner, relative or friend.
Two people can be named on a funeral plan, with the option to use it for either the first or the second person that passes away.
Protection from rising funeral costs
The products and services you choose on your funeral plan are fully protected against a rise in funeral costs.
No hidden costs
A pre-paid, personalised funeral plan is fixed to provide the funeral services paid for with no hidden charges or conditions.
Whether the funeral takes place in five or 50 years time, there will be nothing left to pay.
Please note, burial plot costs are not included with any of our funeral plans and will need to be purchased separately. Excludes our online simple plan where only a contribution is paid towards the cost of disbursements, any shortfall will need to be paid for at the time of the funeral. Subject to the funeral plan being paid in full or once outside the moratorium period (24 months) if paying by instalments.
Flexible payment options
You can choose to pay for your funeral plan in a one-off payment or spread the cost over a maximum of 5 years.
Payment for a Southern Co-op funeral plan can be made online safely via Adyen using a credit or debit card.
We also offer an easy payment scheme to spread the cost over 1-5 years through monthly instalments, securing the cost for a fixed monthly payment. Monthly instalment charge applies on 2-5 year options. Please see our online calculator for more details.
Local expertise
At your time of need, your funeral arrangements will be in the hands of a trusted and experienced Funeral & Memorial Consultant.
We work closely with local doctors, nursing homes, hospitals, crematoriums and burial grounds to ensure that all funeral arrangements run as smoothly as possible.
View our brochure
View our brochure and discover how planning ahead protects your loved ones from any unnecessary burden.
It is easy to download but if you would prefer a physical copy, we can send one via the post, just contact us to request.
FAQs
We want to make choosing or creating your funeral plan as simple as possible, so we’ve answered the questions we’re most frequently asked below. If you have a query that we haven’t answered here, don’t worry. Just contact a member of our friendly, knowledgeable funeral planning team and we will be happy to help.
Do I need a medical to purchase a funeral plan?
No, there is no medical required when applying for a funeral plan, however you should consider whether ongoing ill health could affect your ability to pay for the plan or make decisions.
What happens after I’ve bought my plan?
Once your payment plan has been paid in full, you will be sent a funeral plan certificate. This should be retained in a safe place and your nominated representative, executor or solicitor should be made aware of its existence.
If I die prior to completing the instalment plan, is the fixed price still guaranteed?
In the event of payments lapsing due to the death of the plan holder, the prices for the products and services included on the plan will be honoured or a refund of the amounts paid can be returned to the nominated representative or executor.
If payments are 24 months or less into the payment schedule then full payment of the outstanding amount must be paid to proceed with the funeral plan, for instalment plans 25 months or over into the payment schedule we will provide the funeral with no further payments being required.
Subject to terms and conditions.
What if I want to cancel or change my plan?
You can cancel your funeral plan (meaning you are ending the Contract) within 30 days of taking out the plan and receive a full refund. You have an additional 7 days to cancel the plan from the date that your nominated funeral director is confirmed by us if this date extends beyond the first 30 days since the plan was taken out.
After this you may cancel your plan at any time by contacting us and receiving a refund of the amounts you have paid minus a cancellation fee of £200. If you have paid in instalments and cancel the plan after the second anniversary of the contract start date, we will also retain the instalment fee element of the amounts you have paid. Subject to terms and conditions.
There is no administration charge for making changes. We outline all the potential change scenarios and how this may affect your plan in our terms and conditions.
Please contact us if you wish to make any changes and we can talk this through with you. You can alter your funeral plan arrangements at a later date, although we would charge for any additional expense at the price prevailing at the time of change.
Will a funeral plan cover costs if I die abroad or away from home?
Our funeral plans do not cover funerals that take place aboard or the cost of repatriation. If you plan to go abroad, you should ensure that your travel or medical insurance policy includes full cover for repatriation costs.
Our friendly Funeral & Memorial Consultants can help support you and organise the repatriation if required.
Included in our funeral plans is the collection and transfer of the deceased to a resting place to a specified maximum driving mile radius. If you need to be transported further than that specified, extra charges will apply.