Funeral Plans

Through our trusted partner, Safe Hands offer a range of 5 different funeral plans in the UK to suit all tastes and budgets. With the exception of the Direct Cremation, all options can be tailored to suit particular preferences and added to at any time.

Safe Hands also offer a range of flexible payment terms, including interest free options if you pay over 12 or 24 months.

Funeral Plan Options

The Topaz plan is the most affordable plan option. It includes all the funeral director's fees and services, a standard, veneered, coffin, a hearse and 2 bearers, but excludes 3rd Party Charges.

This plan is available from only £21.29 p/m

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Our Pearl funeral plan is ideal for those who have simplicity in mind. Your loved ones will have the reassurance of a traditional, dignified, ceremony, with no compromise on Safe Hands’ usual levels of care and attention to detail.

This plan is available from only £33.89 p/m

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Our Sapphire funeral plan is the most popular in our range. It includes a wood-veneered coffin, plus a limousine to transport your loved ones to the ceremony

This plan is available from only £36.69 p/m

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Our Ruby funeral plan provides a comprehensive package and is particularly suited to those with larger families, or who expect many mourners to attend. The plan covers 2 limousines, a floral coffin spray, open visiting hours to the chapel of rest, a quality rosewood or oak-veneered coffin, and 24 hour support.

This plan is available from only £40.25 p/m

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Here at Safe Hands, we understand that not everyone wants an extravagant or all-inclusive funeral. To many, when life's course is run, there seems little sense is spending heavily on what will be their final journey.

In response to this, Safe Hands is unique in that we also offer a very simple funeral plan that includes all the essential elements of a cremation, but without any superfluous elements.

Why Choose Us

All Safe Hands funeral plans can be tailored to suit particular tastes and preferences... from the big things, like whether or not it's a cremation or burial... to the smaller things, like the choice of music or flowers.

Your Safe Hands funeral plan can also be changed or upgraded at any time, and should you move home, it is transferrable to any area within the UK at no extra charge.

You'll be in Safe Hands

Safe Hands operates in partnership with a national network of NFFD (National Federation of Funeral Directors) approved funeral directors, most of whom have been providing first class funeral services within their communities for generations.

So by choosing to take out a funeral plan with Safe Hands, not only do you benefit from our unbeatable prices, but you have the added peace of mind of knowing that when the time comes, your funeral will be of the very highest quality.

Total Security

In common with all funeral planning companies, the money you pay towards your Safe Hands funeral plan is held securely in a trust fund, in Safe Hands' case, one that has been set up in conjunction with an award-winning firm of specialist solicitors, and that is overseen by an independent panel of qualified Trustees. Over time this money grows, ensuring that however long you live, there will always be sufficient money within the fund to cover the cost of the funeral director's fees and services.

Safe Hands, where everyone is welcome!

Safe Hands funeral plans are available to everyone over the age of 18, regardless of health, medical history, or status.

Payment Flexibility

You can pay for your funeral plan in a single lump sum, or over 12 and 24 months completely INTEREST FREE. Alternatively, you can spread the cost over an extended period of anything up to 10 years.

Over and Under 50's Funeral Plan

In the field of 'end of life planning', the market, tradtionally, is divided into 'Under 50's' and 'Over 50's' categories. The reason for this is unclear, though it's reasonable to assume that it's a simple marketing ploy intended to make a product or service feel 'exclusive', through it being aimed at a specific demographic or core of people.

Most funeral plan companies offer an Over 50's plan option, meaning that in many cases, the Under 50's market is ignored, or inadequately catered for. Here at Safe Hands, we do not discriminate against the Under 50's, nor do we charge premiums for those who are Over 50.

Provided you are over the age of 18, there are no restrictions whatsoever regarding who can qualify for a Safe Hands Funeral Plan.

The average age of a SafeHands Funeral Plans customer is 55-65 years. More and more people now understand that in addition to maximising the financial benefit to their families, taking out a plan long in advance of retirement reduces the emotional strain that can result from leaving it until later on in life. We also offer a range of flexible payment options - from a single lump-sum to extended terms up to a maximum of 10 years.

What is a Funeral Plan?

A funeral plan is a means by which to protect your family against  rising funeral costs, and to eliminate any uncertainty or indecision regarding what your preferred funeral arrangements should include.

The passing of a loved-one is obviously a very daunting and emotional time for family and friends. For those responsible for arranging and paying for the funeral, discovering their loved-one had the foresight to take out a funeral plan goes an enormous way towards alleviating their sense of pain and distress.

Money paid into your  funeral plan  is invested securely in a ring-fenced trust fund, and is overseen and managed by an independent panel of qualified Trustees.

At the time of need your family will just need to contact us on our dedicated 24 hour response line, upon which your chosen funeral director will carry out the funeral in precise accordance with your instructions.

So take out a Safe Hands funeral plan today, and enjoy the future safe in the knowledge that when the time comes, you will receive your perfect farewell at no extra cost to your family.

Prices & Payment Options

With Safe Hands, you choose the payment option that best suits you. You can either pay as a single lump sum, or alternatively you can spread the cost over 1, 2, 3, 5 or 10 years (payments over 1 and 2 years are interest free).

Take a look at our range of funeral plan prices below. Our prices start at just £1,695, making us one of the most affordable and cost effective funeral plan providers in the UK. Our payment options are flexible, secure and stress free allowing you to spread the cost how you want.

Paying for your funeral plan by monthly instalments.

Choosing the right payment option for you

In order to pay for your plan by instalments, firstly you will need to pay a minimum deposit of £250 (this locks the overall cost of your plan at today's price). The remaining balance (including interest if applicable) will be paid by monthly instalments. You have the choice of spreading the cost over 1, 2, 3, 5 or 10 years (payments over 1 or 2 years are completely interest free).

How to pay?

If you wish to spread the cost of your funeral plan with a fixed monthly payment, you can pay using a Standing Order.

Paying for your funeral plan as a single lump sum.

Paying for your funeral plan in a single lump sum means that no matter when you pass away, there will not be anything additional for your loved ones / estate / executors to pay towards funeral director's fees and services.

How to pay?

If purchasing through our website, you can pay by debit card (free of charge) or by credit card (carries a 2.5% surcharge). If you would prefer to pay by cheque or by direct bank transfer, please contact us on 0800 917 7099.

Cancelling your Safe Hands Funeral Plan

If you decide to cancel your funeral plan within 28 days of purchase then you are eligible to receive a full refund. If you cancel your funeral plan after 28 days of purchase, then a £395 cancellation fee will apply (see Terms & Conditions for more details).

Interest Free Funeral Plan Payments

Whichever Safe Hands plan option you choose, you can either pay for as a single one-off payment, or you can spread the cost over 12, 24, 36, 60 or 120 months (no interest is charged on plans purchased over 12 or 24 months!) for plans paid for over 36, 60, or 120 months - interest charged at 4% flat rate.

Packages Topaz Pearl Sapphire Ruby
Deposit £250 £250 £250 £250
12 Monthly payments
by standing order
£152.08
(interest free!)
£242.08
(interest free!)
£262.08
(interest free!)
£287.50
(interest free!)
24 Monthly payments
by standing order
£76.04
(interest free!)
£121.04
(interest free!)
£131.04
(interest free!)
£143.75
(interest free!)

The Rising Cost of Funerals

With funeral costs rising far in excess of the annual rate of inflation, it is an unfortunate fact that, for many families, budgeting for a funeral by traditional means may no longer be sufficient to cover the cost. Planning and paying for your funeral plan in advance freezes the cost of all the funeral director's fees and services at today's funeral prices and protects your family against rising inflation and rising funeral expenses.

Prepare today for a peaceful tomorrow

According to the Sun Life Cost of Dying Report 2013, average funeral costs have risen from £1,230 in 1997 to £4000 today - an increase of over 225%. Conservative estimates suggest that by 2024 a funeral will cost, on average, between £7,000 and £8000.

Rising Cost of Funeral Graph

With a Safe Hands pre-paid funeral plan, you can prepare in advance for life's final event and protect your family from rising funeral expenses. By taking out a funeral plan now, you have the choice of paying for your funeral plan in full or at a fixed monthly price. Safe Hands GUARANTEES that however long you live, and however expensive a funeral is when you pass, there will always be sufficient funds to cover all the funeral directors fees and funeral services.

Compare Funeral Plans

The following tick list shows, at a glance, what each of our 4 funeral plans (Topaz Funeral Plan, Pearl Funeral Plan, Sapphire Funeral Plan, Ruby Funeral Plan) include. As you can see, the options range from simple but dignified, to a comprehensive, all inclusive package. For more precise detail on each of our plans, view the plan.

Services

Topaz

Pearl

Sapphire

Ruby

Funeral Director's Fees and Services

Yes

Yes

Yes

Yes

Provision of the Funeral Service and Arrangements

Yes

Yes

Yes

Yes

Coffin

Lined & Fitted

Lined & Fitted

Veneered finished

Oak Veneer with gloss finish

A Funeral Hearse and Personnel

2 Bearers

2 Bearers

4 Bearers

4 Bearers

Limousine

-

-

1

2

24 Hour transfer of the deceased to a suitable resting place within the UK (20 Mile Radius)

Yes

Yes

Yes

Yes

Care and Preparation of the Deceased

Yes

Yes

Yes

Yes

Arranging the Funeral Service (at a local crematorium, church yard or other)

Yes

Yes

Yes

Yes

Funeral Procession from Home/Funeral Home/Church to Crematorium

Yes

Yes

Yes

Yes

Family support and assistance provided by the Funeral Director

Yes

Yes

Yes

Yes

Mutual agreement on time and date of funeral

Yes

Yes

Yes

Yes

Provision of advice on all matters relating to the funeral

Yes

Yes

Yes

Yes

Visit to the chapel of rest during office hours

Yes

Yes

Yes

Yes

Bereavement assistance via professional organisations

Yes

Yes

Yes

Yes

Silk floral flower spray

-

-

-

Yes

Doctor's Medical Fees

-

Yes

Yes

Yes

Cremation fees for the local crematorium or interment fees

-

Yes

Yes

Yes

Minister/officiant fee to perform the cremation/burial service

-

Yes

Yes

Yes

Burial Costs: The funeral director's costs and services remain exactly the same for both cremation and burial. However, because interment (burial) costs vary enormously according to different local authorities pricing, only when we know where you wish to be buried can we give you a fixed price. To discuss burial in more detail, please call 0333 443 2406 to speak to one of our advisors.

Topaz Pearl Sapphire Ruby
£2,075 £3,155 £3,395 £3,700

Compare Funeral Plan Market

If you are considering a pre paid funeral plan then you should compare funeral plans closely and always include the 'disbursements' if you can afford to. All of the prices shown in our funeral plan comparison table below include a contribution in the funeral plan costs for disbursements.

Safe Hands has researched the funeral plan market to assess how our rates compare to the other major companies. Our findings prove that in addition to being one of the industry's most trusted and recognised funeral plan providers, we're also the most competitively priced. For more information about Safe Hands funeral plans, call us today on 0333 443 2406 or click here to complete a contact request form.

With so many pre paid funeral plans to choose from how do we know which one is best for us? Surprisingly all of the major funeral plan providers supply very similar funeral plans so in this case price really does matter!! Compare the funeral costs of Safe Hands Funeral Plans with other funeral plan providing companies in the UK.

Standard Intermediate Premium
Safe Hands £3,155 £3,395 £3,700
Golden Charter £3,625 £3,995 £4,540
Dignity £3,535 £3,885 £4,285
Golden Leaves £3,420 £3,800 £4,120
Age UK £3,495 £3,845 £4,245
Co-op £3,350 £3,800 £4,200

Please note: Plans may vary in content, prices correct as of 01/04/2016.

Funeral Advice & Information

Where did the death occur?

In hospital or nursing home: If your loved one dies in a hospital or nursing home, after notifying you, the staff will lay out the body and arrange for it to be taken to the hospital mortuary.

At home: If your loved one dies at home, you should call the GP as soon as possible. The GP will normally visit the house and, if the death was expected, should be able to issue a certificate confirming the cause of death. If the deceased did not have a GP, or if you do not know the name of the GP, an ambulance should be called instead. A doctor is not allowed to issue a certificate if they are unsure about the cause of death. When this happens the death must be reported to a coroner and the deceased will be taken to a hospital mortuary, where a post-mortem may need to take place.

Did the deceased have a Safe Hands Funeral Plan?

No: you will need to contact a funeral director, who will organise collection of the deceased and take them into their care (note: to find a reputable, affordable, firm in your local area, you may like to visit www.funeraldirectorsregister.com or contact the National Federation of Funeral Directors on 01924 675719).

Yes: report the death to Safe Hands Funeral Plans by contacting 0800 917 7099 and selecting 'Report a Bereavement'. Though not essential, do try to make sure you have the deceased's funeral plan number to hand when you call. If the balance of the plan has been paid for in full at the time of death, we will immediately appoint a local, reputable, funeral director to collect the deceased and take them to their chapel of rest. If the balance of the plan has not been paid for in full at the time of death, it will need to be settled (by you and/or other representatives of the deceased), before we can appoint a funeral director.


Frequently Asked Questions

We hope that you have found our website useful and informative. If you can't find what you are looking for, our frequently asked questions below will help you find the answers you are looking for. Should you require any further information, please don't hesitate to contact us and let one of our friendly advisors assist you.

3rd party fees, or 'disbursements' refer to elements of a funeral cost that are paid by the funeral director to 3rd parties on your behalf. These are cremation fees (national average £600), doctor's fees (£164 nationally, except Scotland where they are free) and minister or celebrant fee (£180). With the exception of the Topaz option, all Safe Hands Funeral Plans contain an allowance of £1200 to cover 3rd party fees. This allowance rises annually at least in line with RPI. There may be a balance to pay at the time of need if the 3rd party fees payable by the funeral director on your behalf when you die, exceed the allowance in your plan (+RPI) at that time.

Safe Hands offer 5 different funeral plan options to suit different tastes and budgets. With the exception of the Direct Cremation option, all, as an absolute mininum, include a hearse, a lined and fitted coffin, 24 hour transfer of the deceased, care and preparation of the deceased, and funeral director's fees. Also, all options, with the exception of the Direct Cremation and the Topaz, include an £1200 allowance towards 3rd party fees / disbursements.

Funeral Director's fees cover all elements of the funeral that are provided by the funeral director directly - such as the hearses, limousines, care and preparation of the deceased, etc.

Yes. Should you choose the Topaz option, you are welcome to pay for the 3rd Party Fees at a later date, or alternatively, your family / estate can pay for them when you pass away (under such circumstances, 3rd Party Fees will be charged at the rate prevailing at that particular time).

Yes. The funeral director's costs and services remain exactly the same for both cremation and burial. However, because interment costs vary enormously according to different local authorities pricing, only when we know where you wish to be buried can we give you a fixed price.

You can select any funeral director that is a member of the National Federation of Funeral Directors, to undertake your funeral. You can also nominate any other independent firm, under which circumstances, when you pass away, we will offer your funeral to your preferred firm in the first instance. If, for any reason, your preferred firm is unavailable or unwilling to undertake the funeral, then it will instead be conducted by an alternative, local, reputable, firm at Safe Hands' discretion (preferably one that is a member of the NFFD).

Yes. All Safe Hands funeral plans can be tailored to suit individual tastes and preferences. Safe Hands funeral plans can also be altered or added to at any time (additional cost may be applicable depending on nature and extent of alterations).

We can provide an eco-friendly funeral plan. However, because the prices of eco-funerals vary according to location and customers' specific requirements, please contact Safe Hands to obtain a firm price.

If the plans was / is being paid for over 1 or 2 years – because no interest is charged on plans paid for over 1 or 2 years, the balance is calculated by deducting the sum paid towards the plan at the point the time the Plan Holder dies, from the price of the plan as was at the time it was purchased. The balance is the difference between these two figures.

If the plan was / is being paid for over 3, 5, or 10 years - then at the time of the Plan Holder’s death, we first calculate the interest payable (4% flat) over the period of time between the plan being purchased and the plan holder’s death. We then add this to the net price of the plan (minus any deposit paid) as it was at the time of purchase (this gives us the revised ‘total payable’ figure). We then deduct this figure from the total payments made towards the plan at the time of the plan holder’s death. The balance is the difference between these two figures.

Yes. Upon application, simply make us aware that this is your intention.

If you change your mind and decide to cancel your plan, then you must do so by writing to Safe Hands Funeral Plans (Cancellation Dept), 8 Peterson Road, Wakefield, West Yorkshire WF1 4EB. Provided we receive the letter of cancellation within 28 days from the date that your plan is effective from (see your plan certification pack) then you are eligible to receive a full refund. If we receive the letter of cancellation after 28 days from the date that your plan is effective from, then we will refund the amount you have paid towards your plan at the point of cancellation less our standard £395 cancellation fee.

Repatriation to the UK is not included as standard within any of the Safe Hands plan options. Unless your Safe Hands plan includes an additional allowance to cover repatriation, then should you die while aborad or away from home, the cost of transporting your body back to the UK will need to be paid for (usually this is covered by travel insurance).

You can pay for your plan in a single lump sum, or you can spread the cost over an extended term up to a maximum of 10 years (120 months). Instalments made over 12 or 24 months are interest free. Payments can be made by cheque, bank transfer, debit card or credit card (credit card payments carry a 2.5% surcharge).

No. Safe Hands funeral plans are available to anyone, regardless of health, age or medical history.

Yes. There are no limits to the extent of personal requests that you may like your funeral to include. For instance, you might want the service to feature favorite music, hymns or readings. Or you might like mourners to adhere to a certain dress code. Depending on the nature of your personal requests, they may incur an additional charge although we would of course ensure that you are made aware before you pay for your plan.

No. We have taken great care to highlight all charges associated with each of the plan options. If you require any further clarity, please call us and we'll make sure you understand exactly what is included within the price of your chosen plan.

Safe Hands funeral plans include everything that is required for a traditional burial or cremation (burial plot must be purchased separately). You may order or request any number of special additions (frequently at no extra cost). We will ensure that you fully understand exactly what is included within your funeral plan before it is paid for.



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