The Silver Plan – Affordable Funeral Plans

This plan provides the professional services of your funeral director, a hearse to meet the mourners at the crematorium or cemetery and a simple coffin. It also guarantees the cremation and ministers fees. If a burial is selected, it includes a contribution towards burial third party fees.

What’s included?

• Cremation or burial
• Basic coffin
• Chapel of rest for friends and family to visit
• Funeral director’s professional services, allocated by Golden Leaves
• Advice on funeral registration, documentation and certification
• Removal from place of death to funeral director within 25 miles (during normal working hours)
• Care of deceased prior to funeral
• Conductor and four pallbearers at funeral plus hearse
• Bereavement counselling (where available)
• Guaranteed cremation and minister’s fees

What’s not included?

• Cost of third party fees where these are higher than the allowance (if you have chosen a burial). See ‘third party fees’ below.
• Limousines for funeral cortege

Third Party Fees

Third Party Fees are fees which have to be paid for things that are outside of the control of the funeral director. Examples are doctors’ charges or fees for church services and the minister, or to buy a burial plot or interment fees. Please note that your next of kin or estate may have to pay the balance for third party fees if your chosen plan includes only a contribution and the costs of third party fees are more than this amount.

Our Silver plan includes only a contribution towards third party fees if you choose a burial so it is possible that in this case, your estate or next of kin may need to settle the difference.

Special Details

If you would like additional services not included in the plan, such as the purchase of a new grave or a service at a local church, please let us know. We will be happy to discuss these with you and incorporate the costs into your plan, providing your selected payment option allows this choice.

Once you’ve decided on the plan that best suits your needs, just talk to us and we can arrange the payment method that is most appropriate to your personal circumstances. Payments can be made by single payment, or by instalments over 12-96 months.

Contact us if you would like a more detailed chat about all your options.
Call 0800 85 44 48.

Important information that you should know

Single payment (i.e. one lump sum)  – you can cancel within 30 days or within 7 days of us telling you who your funeral director is (if this is later).  You’ll get all your money back.  If you cancel after this, you’ll get your money back but we’ll keep a £299 charge for administration.

12 months’ instalments – you can cancel at any time in the 12 months and get back everything you’ve paid.  After that, you’ll get your money back but we’ll keep a £299 charge for administration. Payment option not available if you have been advised by a doctor of a condition or illness that will cause death within 12 months of applying for a plan.

Credit-financed payment** – this is a loan and it’s subject to status and personal circumstances so you’re not guaranteed to be accepted. You must keep up payments on this: if you miss payments, your plan may be cancelled. If you select this option you will be provided with pre-contract credit information, adequate explanations and a credit agreement directly by Funeral Safe Limited. You will have a cooling off period which is the longer of 30 days from the date of the call or 7 days from when we tell you who the allocated funeral director is. During this period, you can cancel the purchase of your funeral and receive a full refund of any money you have paid to that date. If you cancel after this point, we’ll pay back the cost of your plan to Funeral Safe but we’ll keep a £299 charge for administration. Payment option not available if you have been advised by a doctor of a condition or illness that will cause death within 12 months of applying for a plan. You must repay your finance to Funeral Safe Limited before your 85th birthday

What happens to the money I paid for my plan? – We help many thousands of customers to plan and fund their funerals. Because of economies of scale, we can sell our plans to our customers at a rate which is usually far more cost effective than it would be for them buying from a funeral director at the time of the funeral itself. As a commercial enterprise, we have costs of doing business and promotional marketing.  These costs are met by supply side economies of scale delivered by our ability to purchase funerals in bulk and are consequently absorbed into the price of our Plans.

We retain an amount from the price paid by you for your Plan (which is currently £299) to cover our administrative costs of running the business for the life of each Plan, which is approximately 11 years.  We also retain an amount (which currently ranges between £400 and £934 dependent on which plan you purchase) to cover marketing, sales fulfilment expenses and to provide the business with an element of profit. The balance is placed in the Trust in order to pay the Appointed Funeral Director and other costs of the agreed funeral (for further information, please see our Commission and Payment Disclosure and refer to our fees and payments breakdown summary table for further details.

Regional variations in pricing
Our plan prices are based on a national average – in some areas of the country the prices of services may be considerably higher – should your chosen funeral director not accept the plan at our national average price we will advise you of the regional variation in pricing.

Any more questions?

If you require any further information and wish to speak with one of our advisors, please select the Request a Callback button, submit your details and a member of staff will contact you shortly. Alternatively you may find the info you require in our FAQs section.

You can also call us on 0800 85 44 48