Perfect Choice Funeral Plans* – the perfect choice?
We have again written to Perfect Choice asking them to enable us to give an accurate review of their plans, so please do not assume that any of this information is accurate, but it is all we can get.
UPDATE (?): we understand from Ecclesiastical, who underwrite Perfect Choice Funeral Plans, that they are no longer actively promoted. In effect, they are now just individual plans set up on an individual basis by some funeral directors, rather than a standard plan. Most other providers offer similar options, but the Perfect Choice version means that you would have to set up all aspect of the funeral plan with your chosen undertaker. That could lead to issues if you move, as different funeral directors will cost things in different ways, whereas the national brands mostly have arrangements all over the country.
The rest of this article will, in part, be historical. We like Ecclesiastical but are concerned about the portability of plans set up by individual funeral directors. Clearly, changing funeral directors has to be possible, but the new one may not be happy to accept the old one’s prices.
With Perfect Choice Funeral Plans, it didn’t take us too long to find a major flaw. Read this extract from their literature very carefully. “The plan is guaranteed to cover the funeral director’s costs listed in the plan details as long as your requirements don’t change and the original firm carries out your funeral.” That would seem to mean that you will have to ask them nicely if you can move without them asking for more money. Amazing! Fair enough if you change your requirements, but just moving? We can see the problem, as funeral directors charges do vary very widely. But that is not much comfort if you suddenly find the original firm disappears or you move to an area where the only funeral director charges twice as much.
The following 3 plans allow for cremation only. Each one carries an allowance of £1,150* towards third party costs – cremation, doctors fees and minister or celebrant. That isn’t bad, though some offer an extra £50, but some offer far less.
Perfect Choice Funeral Plans Basic Plan.* £2,535.
This leaves a substantial amount to be paid by the family – cremation or burial fees, doctors fees and minister/ celebrant fees all have to be paid for by the family. Essentially covers the basic funeral directors costs and no more. It is much more expensive than some comparable plans. And you have to bear in mind the rather strange issues over making changes. It may come as news to Perfect Choice Funeral Plans, but people do move. Funeral directors also get sold or go out of business. We do not recommend this type of plan in most cases, as it is a funeral plan which doesn’t pay for the funeral. Not a criticism of the Perfect Choice option, just a general comment on the type of plan. The next one is what we would call a “proper” funeral plan.
The Perfect Choice Simple Plan* £3,555.
and adds an allowance for Doctors fees, Minister or officiants fees and the cost of cremation. A few hundred pounds more than some others.
The Perfect Choice Traditional Plan is from £3,865.*
As far as we can see, it just adds the ability for the family to view the body. Again, significantly more expensive than the most competitive plans. We would assume that this plan includes a limousine.
Perfect Choice Burial Plan.
has to be made up on an individual basis. Most firms have a standard price. The burial plot is always a different matter, and has to be dealt with separately.
We hope this information, gathered from their website, is correct. That is more than we can say for all of their own information. We strongly suggest that they review it for serious mistakes, and you should be careful to cross check it. Information as at 17/10/2016.
We will update the page as soon as we can get the information, but it seems they won’t give it to us voluntarily (you have to wonder why!) It is pretty unlikely that Perfect Choice would be the right plan for you or they wouldn’t be hiding there light under a bushel!
When Perfect Choice read this, we will still be very happy to review your plan if we can have the information. Your refusal to send it indicates to us that it may not review well against the competition (as proved to be the case). We do not bias our reviews unfairly. (UPDATE: Still nothing from Perfect Choice Funeral Plans, but we got the information from their website 😉 They are welcome to confirm that the information we have published is correct!!