Co-op Funeral Plans Reviewed independently. What do we think?
Good news: the Co-ops Terms and Condition have been updated from the unacceptable earlier ones: it would seem that new purchases will benefit from a new 16 page Terms and Conditions, which is pretty reasonable if the longest one we have ever seen.
For the sake of clarity, the Coop is not a single organisation, and these comments apply to the nationally advertised brand Co-op Funeral Care. We do believe the Coop when they say that the intention is to provide the funeral and not to take the easy and more profitable way out of returning the original investment to the estate.
A major plus point is that in some circumstances they will pay for the funeral if you die early before completing all the instalments. Not exactly unique, but potentially very valuable.
A major minus point on Co-op Funeral plans instalment options is that if you miss 3 instalments in 5 years, they may cancel the plan and give you back what you but you will lose the benefit above. Strangely the very next clause (top of page 7) partly contradicts that so we’re a bit confused, but apparently what they mean to say is that if you die just after the third instalment is missed they will honour the plan.
The Co-op Funeral Plans Guarantee is good, but not perfect – there can be extra charges if you move to an area where costs are higher, or if your local crematorium charges extra because you live outside the local authority area. The guarantee is a good thing, make no mistake, but the word guarantee is a bit strong as too many things could change to invalidate it.
Make no mistake, the Coop Plan is now a decent plan, but the Terms and Conditions are a little confused, and the marketing hype of “Fully Guaranteed Funeral Plans” is a trifle misleading. There are a few other minor niggles which won’t affect most people for whom it is a good plan: at the end of the day, much better to talk to us on 0800 0588 240 before making a decision.
In summary, Co-op Funeral Plans are good ones, and for some people, it will be the bee’s knees – call us to find out of you are one of those!
Our Review of Co-op Funeral Plans.
The Coop Simple Funeral Plan. £2,995 (prices as at June 2018.)*
This part of a newish breed of plans we call “cut-down plans” which we heartily dislike – not the Coops plan, in particular, all of them. They are basically designed to cut costs by using cheap time at crematoriums or burial grounds when the family may not be able to conveniently attend on the day or time – perhaps 8.30 am or even place, as it might be some distance away. Of its type, it is a decent one, we just don’t like the cut-down plans, especially with the confusion over whether you can upgrade them when you die. Of the breed, the Cooperative version is better than many. There is no limousine for the family with this plan.
The Coop Bronze prepaid Funeral Plan. £3,395.*
Choice time and date for the funeral and of the route for the cortege, plus a posher coffin. This means that you can usually have a procession from home to the crematorium or burial ground. There is no limousine for the family with this plan, but you can view the deceased during office hours (but always call first.)
The Coop Silver Funeral Plan. £3,750.*
This adds viewing the deceased at any time by arrangement, a yet posher coffin and a limousine for the family.
The Co-op Gold Funeral Plan. £3,999.*
Adds a posher coffin and a second limousine.
Coop funeral plans reviewed.
Co-op Funeral plans also have a wider range of payment terms than many and can take monthly instalments over as much as 25 years depending on your age: all payments need to be made by the time you reach 80. Unlike some firms, they also allow anyone over 18 to buy a plan, where many restrict plans to those over 50.
Co-op Burial plans include:
- Funeral Directors services to make funeral arrangements.
- Arranging funeral service (at local cemetery, churchyard or graveyard.)
- Caring for the deceased including private chapel of rest. Embalming in not included.
- Hearse and personnel required for the funeral.
- Advice on all relatedmatters.
- Visit to the chapel of rest during office hours.
- 24-hour transfer of deceased to a suitable resting place within the UK (within a 50 mile radius.)
- Bereavement assistance via professional organisations.
- Burial or interment fee (single), gravedigger fee where applicable, fee for a church service and Minister or Officiant’s fees to conduct a service at a local cemetery chapel, church or at the graveside.
- Each Coop burial plan provides a different level of service while covering every essential, and allows you to add your own personal touches. Whether you choose Simple, Bronze, Silver or Gold, there are no hidden extras: the price you see is the price you pay.
- You can buy a Coop Burial Plans for yourself, or for a relative, friend or dependant.
- A Set Burial Plan cannot be changed or added to, but you can upgrade it at a later date.
- All of the Coop Burial Plans are completely flexible, so if you move house at a later date, your Plan can still be delivered no matter where you live. There are over 1,000 Co-op funeral homes in the UK, allowing you to change your nominated Co-op Funeral Director at no extra cost.
- The cost of the grave plot is not included in the Set Burial Plan.
Funeral Services Ltd is the legal name for Cooperative Funeral Care. It is registered under the Co-operative and Community Benefit Societies Act 2014 at 1 Angel Square Manchester M50 0AG. You will find with a Coop Funeral Plan you are likely to hear from the Cooperative Legal Services which has a national sales force.
Co-op members are potentially eligible for additional discounts – contact us for details with your membership number. In effect, your membership number is a promotional code for Cooperative prepaid funeral plans.