Maplebrook Funeral Plans are relatively new and…
I have just been given their latest brochure and terms and conditions, and these are my first impressions. Before you buy a Maplebrook funeral plan, you had better be sure it is right for you as the cancellation charges are amongst the highest I have seem at whichever is the highest of £1,000 or 25% of the plan price – so on a direct cremation plan that is very nearly a 50% penalty. There is a brief 14 day period during which you can get your money back – most firms allow a full 30 days. Please note that the cancellation must be in writing, which further shortens the period to allow for postage by Recorded Delivery to be safe – a day late would cost you £1,000. Their charge for instalments is also very high at a flat 6.25% a year, though like most companies you can pay it off within 12 months interest free. So they are aiming for people who want to pay one go.
Maplebrook Funeral Plans range: (June 2021 prices)
The Maplebook Wren Plan at £2,730 ONLY covers the funeral director fees – no allowance for third party costs (not a criticism, just a fact – that is what it is designed to do.)
The Robin Plan at £3,830 adds an indexed allowance of £1,250 towards things like crematorium costs or interment costs and ministers but NOT any other third party costs such as doctors fees etc. They claim that is the highest allowance in the market, wrongly. But it is a decent amount, even if you are restricted on what it can go on, so in some areas they will get to keep the change.
The Dove Plan at £4,075 adds a limousine for the family, with the allowance as above.
The Swan Plan at £4,325 adds a second limousine and a posher coffin and the same allowance.
The Maplebrook Direct Cremation Plan at £2,020
One thing I wasn’t keen on is that you may have to pay more if you move – either to the original undertaker for mileage over 25 miles or if the new funeral director won’t accept the fee agreed by the original undertaker. That is not unique to Maplebrook, some other providers do the same. This could be a significant problem if a change of address is not sorted out before death as pre-booked prices are significantly lower than at need ones. The same issue could occur on death if the original funeral director is not available.
Maplebrook Funeral Plans