Funeral Cover UK

Compare Funeral Cover & Funeral Insurance Plans in the UK

Funeral insurance helps your family pay funeral costs that now average over £4,000. Compare funeral cover plans, including over 50s cover with no medical, with free, no-obligation advice.

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  • Aviva
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  • Holloway Friendly
  • LV=
  • Royal London
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  • MetLife
  • Exeter

£4,000+

Average UK funeral cost and rising

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Many plans with guaranteed acceptance

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What is funeral cover and how does it work?

Funeral cover, also known as funeral insurance, is a policy that pays out a tax-free lump sum to a nominated beneficiary when you die, designed to help your family cover the cost of your funeral. The average UK funeral costs over £4,000, and the wider "cost of dying" is higher once a wake, memorial and administration are included, so funeral cover means your loved ones will not have to find thousands of pounds at an already difficult time.

Most plans are straightforward, with fixed monthly premiums and no medical questions. Over-50s plans typically offer guaranteed acceptance with no health questions, and most include a 12 to 24 month waiting period before the full benefit is payable. You can read our full guide on how funeral cover works for a step-by-step explanation.

  • Lump sum paid to your family when you pass away
  • Designed specifically to cover funeral expenses
  • Many plans available with no medical questions
  • Fixed premiums that will not increase
  • Cover typically between £3,000 and £10,000
  • Peace of mind for you and your family
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Funeral cover illustration

Why It Matters

Funeral cover for over 50s with no medical

Funeral costs in the UK have been rising year on year. Without a plan in place, your family could face an unexpected bill of thousands of pounds.

Protect your family from costs

The average UK funeral costs over £4,000. Funeral cover ensures your family does not have to find this money at short notice.

No medical questions

Many funeral cover plans offer guaranteed acceptance with no health checks, making it accessible regardless of your medical history.

Fixed, affordable premiums

Lock in a monthly premium that will not change. Know exactly what you are paying and what your family will receive.

Cover Details

How much does funeral cover cost in the UK?

A UK funeral now averages over £4,000, and the total cost of dying is higher again. The payout from your funeral cover can be used towards all of the costs below. For a full breakdown, see our guide on how much funeral cover costs.

Funeral Service

The funeral director's fees, venue hire, officiant costs, and the service itself are often the largest expense.

Typical cost: £2,000 - £4,000 depending on the type of service.

Burial or Cremation

Whether you choose burial or cremation, there are significant costs including cemetery fees, crematorium charges, and headstones.

Typical cost: £1,000 - £2,500 depending on location and choices.

Transport and Vehicles

Hearse hire, limousines for family members, and transporting the deceased to the funeral home or venue.

Typical cost: £300 - £800 depending on distance and vehicles.

Wake and Memorial

Venue hire, catering, flowers, and order of service printing for the wake or any memorial gathering.

Typical cost: £300 - £1,000 depending on venue and catering.

Funeral cover vs a prepaid funeral plan

Funeral cover (funeral insurance) is not the same as a prepaid funeral plan. With a prepaid plan you pay for a specific funeral package in advance, whereas funeral cover is an insurance policy that pays a tax-free cash lump sum to your nominated beneficiary, who then uses that money to arrange the funeral as they see fit.

Most funeral cover policies are whole-of-life plans, meaning they are guaranteed to pay out whenever you pass away, as long as premiums are up to date. Many over-50s plans offer guaranteed acceptance with no medical questions, and most include a 12 to 24 month waiting period at the start.

  • Cash lump sum - paid directly to your nominated beneficiary
  • Guaranteed acceptance - many plans require no medical questions
  • Waiting periods - some policies have a 12-24 month moratorium period
  • Fixed premiums - choose a plan where your payments never increase

Tip: If you already have life insurance, check whether the payout would be enough to cover funeral costs as well as your family's other financial needs. A separate funeral cover policy can fill the gap.

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Funeral cover key information

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FAQ

Funeral Cover FAQs

Common questions about funeral insurance plans, costs and cover for over 50s in the UK

What is funeral cover?
Funeral cover is a type of insurance designed to pay out a lump sum when you die, specifically to help your family meet the cost of your funeral. It gives you peace of mind that your loved ones will not be left struggling to pay for funeral expenses during an already difficult time.
How is funeral cover different from life insurance?
Life insurance typically provides a larger payout to cover things like mortgage repayments, debts, and ongoing living costs for your family. Funeral cover is specifically designed to cover the cost of a funeral and is usually for a smaller amount. Funeral plans often have guaranteed acceptance regardless of health, whereas life insurance usually requires medical underwriting.
How much does a funeral cost in the UK?
The average cost of a funeral in the UK is around £4,000 to £6,000, depending on the type of service, location, and personal choices. Cremations tend to be less expensive than burials. Costs have been rising steadily, which is why many people choose to arrange funeral cover to protect their family from this financial burden.
Can I get funeral cover if I have a pre-existing health condition?
Yes. Many funeral cover policies offer guaranteed acceptance with no medical questions asked. This means you can get cover regardless of your current health. However, some policies may have a waiting period, typically 12 to 24 months, during which the full benefit is not payable if you pass away from a pre-existing condition.
What age can I take out funeral cover?
Most funeral cover policies are available to people aged 50 to 85, although some providers offer cover from age 18. The earlier you take out a policy, the lower your monthly premiums are likely to be. There is usually no upper age limit for guaranteed acceptance plans.
Are funeral cover premiums fixed?
This depends on the policy. Some funeral cover plans offer fixed premiums that never increase, while others may rise over time. Fixed-premium plans give you certainty about what you will pay each month for the life of the policy. Always check whether premiums are guaranteed before you commit.
How much funeral cover do I need?
Most people choose cover between £3,000 and £10,000, which is enough to cover the average UK funeral cost plus some additional expenses. Consider the type of funeral you would like, whether you want to leave extra to cover things like a wake or memorial, and how much you can comfortably afford in premiums.
Can I use the payout for anything, or just the funeral?
The lump sum paid out by a funeral cover policy is usually paid to your nominated beneficiary, who can use it however they see fit. While the intention is to cover funeral costs, there are no restrictions on how the money is spent. Any amount left over after paying for the funeral belongs to your beneficiary.
What happens if I stop paying my premiums?
If you stop paying premiums, your policy will usually lapse and you will lose your cover. Some policies offer a paid-up option after a certain period, meaning you keep a reduced level of cover. Check the terms of your specific policy to understand what happens if you miss payments.
How much does funeral cover cost per month?
The monthly cost of funeral cover depends on your age when you take out the policy, the amount of cover you choose, and the provider. Premiums tend to start from a few pounds a month and rise the older you are when you apply. Because the average UK funeral now costs over £4,000, taking out cover earlier usually means lower monthly payments locked in for life. Speaking to an advisor is the easiest way to get an accurate quote for your circumstances.
What is the best funeral cover for over 50s or over 80s?
The best funeral cover for over 50s and over 80s is usually an over-50s plan with guaranteed acceptance, meaning no medical questions and no health checks. These whole-of-life plans pay out a tax-free lump sum whenever you pass away, as long as premiums are up to date. Most include a 12 to 24 month waiting period at the start. The right plan depends on the cover amount you need and your budget, so it is worth comparing several providers.
Is there funeral cover with no waiting period?
Most guaranteed-acceptance funeral cover plans include a waiting period, typically 12 to 24 months, during which only your premiums (sometimes plus a little extra) are refunded if you die of natural causes. Death by accident is usually covered from day one. Some fully underwritten policies, which ask health questions, can offer immediate cover with no waiting period. An advisor can help you weigh up no-medical convenience against immediate full cover.
Can I get funeral cover for my parents or another family member?
You can usually arrange and pay for a funeral cover policy on behalf of a parent or other family member, but the person being covered normally has to consent and provide their details, since the policy is on their life. Some plans also let you add a partner or cover extended family on separate policies. If you want to protect a parent from leaving your family with funeral costs, an advisor can explain the options available.
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