×
Buy now pay later illustration
Plan Now, Pay LaterSecure your plan today, don't pay until 9 January 2026. T&Cs apply, click here for details.
Two together illustration
Two Together: Save £500!Save £500 when you purchase two funeral plans together. Call us for more details.
Elderly woman sitting in park with dog smiling into camera

Rating 10 of the Top UK Funeral Plan Companies

Take a look at the ratings and features of 10 UK funeral plan companies and their offerings for direct cremations. Find a provider that offers everything you need.

Compare funeral plansRequest a free quote
Trustpilot 5 stars
Rated excellent by Trustpilot
Fairer finance
Rated 5 stars by Fairer Finance
Fse logo
Rated 5 stars by Funeral Solution Expert
Fscs protected
Covered by the FSCS guarantee

Choosing the Right Funeral Plan

Woman on laptop AI

To help you make an informed decision, we’ve compiled this guide to the top 10 UK funeral plan companies.

This is based on insights from industry experts at Fairer Finance, Funeral Solution Expert, Money Saving Expert and MoneyMagpie alongside real customer reviews from Trustpilot.

We’ve broken down the key features of each provider, including what’s included in their plans, any additional fees, and how flexible their cancellation policies are. We hope this helps you as you compare funeral plans.

Aura

Starting price£1,695
Fairer Finance5/5 stars
Trustpilot rating4.9/5 stars
Attended service optionFrom £2,595

Key features:

  • Ashes hand-delivered with no extra cost.
  • One simple price covers everything: a simple coffin, removal of medical devices, cremation fees and collection within mainland Britain.
  • You can cancel anytime with no fees.
  • Family-run, with compassionate care at the heart of everything we do.
  • Whenever possible, we aim to keep those who have passed close to home, with local care centres across the country.

”Aura offers the strongest and safest proposition based on quality and customer value… They are FSE’s highest-rated plan provider. Their helpline is more than just an order-taking telephone line. Aura Angels offers expert funeral arranging support at the time from the first call all the way through to cremation or completion of a celebration of life service and return of ashes. There is no risk in buying an Aura plan as they are trust-based… and with no cancellation fee, customers who change their mind will lose nothing, extremely rare in the sector.“

—Funeral Solution Expert
2024 Consumer and Market Insight Report
Learn more about Aura’s funeral plans

Pure Cremation

Key features:

  • Price includes the delivery of ashes.
  • Paying in monthly instalments will incur extra fees.
  • The plan includes cremation fees, a coffin, collection of the person who has passed and the removal of medical devices.
  • There is a £350 fee if you need to cancel after the first 30 days of organising your plan.
Starting price£2,095
Fairer Finance4/5 stars
Trustpilot rating4.8/5 stars
Read our full comparison of Pure Cremation

Co-op Funeralcare

Starting price£1,700
Fairer Finance3/5 stars
Trustpilot rating4.6/5 stars

Key features:

  • Co-op does not offer the option to have ashes delivered. Instead, You can collect them for free from the funeral home.
  • Paying in monthly instalments over 2-25 years will incur an extra charge.
  • Plan includes cremation fees, collection within 50 miles, a simple coffin and the removal of standard medical implants.
  • A £125 fee will apply to those cancelling their plan outside the initial 30 days.
Read our full comparison of Co-op Funeralcare

Golden Charter

Key features:

  • Golden Charter uses local funeral directors to provide funeral services. This means the delivery of ashes may incur an additional charge, depending on your location.
  • If you opt for monthly payments over 2-15 years extra charges will apply.
  • There is a £325 fee if you cancel your plan outside of the first 30 days.
Starting price£1,885
Fairer Finance1/5 stars
Trustpilot rating4.4/5 stars
Read our full comparison of Golden Charter

Golden Leaves (Copper Plan)

Starting price£1,700
Fairer Finance4/5 stars
Trustpilot rating4.8/5 stars

Key features:

  • The price includes the return of ashes.
  • Paying in instalments over 24 to 96 months will incur additional charges.
  • The plan covers cremation fees, a simple coffin, removal of medical devices and collection of the person who has passed.
  • There is a £325 fee if you cancel your plan outside of the 30 day cooling-off period (This is only if you pay in an upfront lump sum or 24+ month instalment plans. If you pay in a 12 month instalment plan, cancelling is free for 12 months. After this time, the same cancellation fee applies)
Read our full comparison of Golden Leaves

Celebration Of Life

Key features:

  • The price includes the delivery of ashes at no extra cost.
  • Paying in instalments will incur an additional charge.
  • The plan covers cremation fees, collection of the person who has passed, a simple coffin and the removal of medical implants.
  • Cancelling your plan past the first 30 days will incur a £99 fee.
Starting price£1,650
Fairer Finance5/5 stars
Trustpilot rating4.8/5 stars
Read our full comparison of Celebration Of Life

Avalon

Starting price£1,675
Fairer Finance4/5 stars
Trustpilot rating4.9/5 stars

Key features:

  • The delivery of ashes is included in the price.
  • Paying in instalments over more than 12 months will incur an annual charge.
  • The plan covers cremation fees, collection of the person who has passed, a simple coffin, and the removal of medical devices.
  • There is a £395 fee if you wish to cancel your plan past the first 30 days.
Read our full comparison of Avalon

With Grace

Key features:

  • The return of ashes is included in the overall cost.
  • There are extra fees if you need an oversized coffin and the removal of medical devices.
  • This plan covers cremation fees, collection of the person who has passed, and a suitable coffin.
  • Paying in instalments over 2-5 years will incur an added charge on each payment.
  • There is a £250 cancellation fee once the initial 30 days have passed.
Starting price£1,440
Fairer Finance4/5 stars
Trustpilot rating4.7/5 stars
Read our full comparison of With Grace

Crystal

Starting price£1,395
Fairer Finance3/5 stars
Trustpilot rating4.5/5 stars

Key features:

  • Ashes can be collected for free or returned for an extra cost.
  • The plan can be paid over 12 months without interest, but spreading payments over 12-96 months will come with additional costs.
  • Cremation fees and a suitable coffin are included in the plan.
  • Additional charges may apply for pacemaker removal, out-of-hours collection, or if the person who has passed is not resting in a hospital, hospice, or mortuary.
  • Once the first 30 days have passed, there is a £249 cancellation fee.
Read our full comparison of Crystal

Choice

Key features:

  • Ashes can be collected for free, but delivery will incur an extra charge.
  • Spreading the cost for longer than 12 months will come with instalment fees.
  • The plan includes cremation fees and a coffin, but collection charges may apply if the distance is over 60 miles from the nominated funeral director.
  • There is no charge if you need to cancel after the 30-day cooling-off period.
Starting price£1,795
Fairer Finance4/5 stars
Trustpilot rating4.9/5 stars
Read our full comparison of Choice

Plan ahead with Aura

Planning ahead isn’t just a practical decision, it’s about making things easier for the people you leave behind. At Aura, we’re here to help you do just that.

Our simple, all-inclusive funeral plans take the worry out of future arrangements, giving you peace of mind and easing the burden on your loved ones.

Founded by Paul Jameson to bring comfort and clarity to families, we believe everyone deserves a meaningful send-off without stress or uncertainty. With our top-rated plans and a caring team by your side, you can rest easy knowing everything is taken care of.

Trusted by thousands across the UK already, we are here to help you plan ahead.

We won’t hassle you with endless calls, we’ll just offer compassionate care and transparent information.

Jameson family smiling
Request a free quoteRead our story
Debs Fowler
Debs
Tamsin Ferrier
Tamsin
Roderick Beresford Cole
Roderick
Line open
0800 808 5723

Call our friendly team for more information

If you have any questions, would like a brochure or simply would like a chat through our services, our award-winning team is here to help.

Unlike other providers, we won’t hassle you with constant calls. We’ll simply ensure you have the information you need and leave you to come to a decision in your own time. When you’re ready for us, our team will be ready to help.

Trustpilot

FAQs

The best funeral plan providers in the UK offer financial security, transparent pricing, and comprehensive services with no hidden costs. Reputable providers are usually regulated by the Financial Conduct Authority (FCA) and have strong customer reviews.

Families choose Aura as their provider as our direct cremation funeral plans are five-star rated by both customers on Trustpilot and experts at Fairer Finance. We provide an affordable, compassionate service that offers peace of mind to you and those you leave behind.

The cost of a prepaid funeral plan in the UK varies depending on the type of service and provider you choose. Aura offers competitively priced, all-inclusive direct cremation plans with flexible payment options, ensuring affordability without hidden costs. Our unattended plan starts at  £1,695 and our stripped-back attended plan options start at £2,595

To ensure your money is safe in a funeral plan, choose a provider that is regulated by the Financial Conduct Authority (FCA). FCA-regulated providers must keep customer funds in a secure trust or insurance policy, meaning your money is protected until it is needed. This also means you will have FSCS protection which covers your funds in case your provider goes out of business.

A prepaid funeral plan typically covers the essential services needed for a cremation but inclusions vary by provider. Aura’s funeral plans are all-inclusive, meaning every service you need for your funeral will be covered. There are no hidden costs or extra fees, ensuring your family won’t be left with unexpected expenses.

Only you can know the best option for you and your family. A prepaid funeral plan can be a good choice if you want to lock in today’s prices before any potential rising costs and ensure your family won’t have to face difficult decisions when the time comes.

However, it’s important to compare funeral plans, check for FCA regulations, and ensure the plan suits your needs.