Pre-payment Plans

We offer a fully guaranteed fixed price cremation plan. All our plans are underwritten and insured by Scottish Friendly Life Insurance Policy Provider.

You will not be asked to pay more for your selected option at the time of need. Any additional services not already chosen and included in your plan such as the provision of a hearse, limousines, pall bearers, a chapel of rest or embalming can be added at the time of need for an additional fee.

At the time of need the money is made immediately available to us; these funds cannot be used for anything other than the cremation option you have selected

You can choose to pay for your funeral plan on a 12 month instalment plan for no additional cost; other payment periods are available but do carry additional fees.

Direct Plan

A cremation at a Memoria crematorium without an attended service. This is our most affordable plan and is available anywhere in England and Wales. Included in this plan:

  • Collection at the time of death from hospital in a suitable vehicle
  • Provision of a standard coffin
  • All funeral director and crematorium fees.
  • The cremated remains will be available in an appropriate container to be collected from the crematorium allowing your family to create their own tribute after cremation as they so wish.
  • Doctors fees are not included in this package since they are not payable in all cases; should they be required at the time of death your family will be advised accordingly.

from £1,675 or £25.10/month

Flexible Funeral Plan

This is our mid-point funeral plan and allows you to choose any crematorium in England or Wales for an attended funeral service. Included in this plan:

  • Collection at the time of death from hospital in a suitable vehicle
  • Provision of a standard coffin
  • All funeral director and crematorium fees.
  • Transfer to the crematorium of your choice in a suitable vehicle on the day of the funeral.
  • Organisation and payment for a celebrant or religious minister.
  • The coffin will be placed inside the chapel before the service begins since this plan does not include the provision of a Funeral Director, hearse or pall bearers.
  • The cremated remains will be available in an appropriate container to be collected from the crematorium.
  • Doctors fees are not included in this package since they are not payable in all cases; should they be required at the time of death your family will be advised accordingly.

from £2,995 or £52.83/month

Traditional Funeral Plan

This is our most comprehensive funeral plan and includes the provision of a hearse and 4 pall bearers, with optional limousine(s). You can choose the crematorium of your choice and a time and date to suit you. Fees include:

  • Funeral arrangements
  • Collection of the deceased from hospital, a care home or a private residence
  • Care of the deceased until the day of the funeral
  • Provision of a suitable cremation coffin
  • A funeral director to conduct the service
  • Organisation and payment for a celebrant or religious minister
  • All third-party costs.

from £3,584 or £65.20/month

Standard cremation coffin used for all options

The prices listed above are the totals needed to fulfil your selected option; under normal circumstances there will no additional fees. The only circumstances where additional fees will be necessary are:

  • If the deceased requires a coffin larger than 6’ 3” x 24” (1.91m x 61cm)
  • If medical fees are applicable (only payable in England and Wales when the coroner is not involved)
  • If the initial collection of the insured is either out of office hours or complicated by unusual or urgent circumstances, then additional fees may be applicable at the time of need.
  • If you are between the ages of 50-75 you can also choose to pay a low cost fixed monthly premium, payments will continue until you reach the age of 90 (or, should you die sooner, until you pass).