Choice Funeral Plans Reviewed 2020: Good, Bad, Average? With Care

Choice Funeral Plans Reviewed 2020.

Choice Funeral Plans

By Funeral partners

MUST READ THE SMALL PRINT. Reading between the lines on the Choice Funeral Plans brochure, the firm would seem keen to grow very rapidly,  Client funds are kept by the Ecclesiastical Insurance Company to ring-fence them from their own money. Like many plans, the idea is to promote their own funeral directors services. I am sure they do not intend to be misleading in their approach, but we won’t how many people wouldn’t realise just how much extra they needed to add to allow reasonable cover for third party costs.  telling you after you have bought the plan that you need to add more is not really what funeral plans are supposed to be about.

Full verdict awaited. It would seem that they are trying – like many others – to make their plans seem much cheaper than they actually are.  These days, the target expectation is that the contribution of third-party costs should be £1,200 (index-linked). The standard allowance with Choice Funeral Plans seems to be NIL. You can add more cash, but other plans seem to us to offer better value.  I guess their plan is to hook you in then give you the bad news! I suggest you talk to us to get an Independent view instead!

FPA Regulated FirmsThe company started in August 2013 and clearly has big ambitions and has grown from a larger group of companies.   They offer a simple plan structure with a basic plan covering just the funeral directors fees.  To that, you can add a contribution towards cremation or burial costs.  Their recommended level is like that of other companies, but they do specifically allow you to build that up over the years, and not have to find it all in one go. Some other companies offer the same facility (which we applaud) but don’t make it so obvious!

Choice Funeral Plans from Funeral Partners.

  1. Choice Essentials:  a basic plan which covers only the funeral directors direct costs, with no allowance for third party costs.  It is not cheap at £2,695.
  2. The Choice Essentials Plus plan is priced at £2,895 and adds a family limousine and (usually unnecessary) embalming. Still nothing towards third party costs.
  3. My Choice Funeral Plan – they allow you to decide what you want and how much you would like to add towards third party costs.  Even allowing just a normal £1,200 would take the cost of a standard plan over £4,000 – well over the market rate, in our opinion.

The brochure is not clear on how or if your contribution to third-party costs is index-linked, but we will be having a chat with them to clarify some aspects of their plans. We certainly don’t have a problem with them, but so far they haven’t made it onto our internal main Best Buy List, but all of our recommendations are personal, so you never know, we might recommend it for your precise wishes and location.

This is the Choice Funeral Plans promotional video (don’t ring them, ring us on 0800 0588 240 for independent personal advice.)

Why Choice Funeral Plans stand out (according to them!)

Because it’s straightforward, gives you financial security, and lets you plan exactly the funeral you want.

Choice say:

  • is clear: it’s easy to understand, with no small print and no hidden costs.
  • is good value: you can fix the costs of your funeral director’s services at today’s prices.
  • is flexible: our Essentials plan includes everything most people want, and you can add to it at any time.
  • brings you extra support: you can turn to our funeral directors for advice and support at any time. (Same applies to pretty much every other plan!)
  • are UK-wide: you can take your plan with you to any Funeral Partners branch in the UK.
  • offers you exceptional financial security: we place your funds only in fully regulated UK assurance policies.

Choice Funeral Plans Reviewed.