Are UK funeral prices too high?

I share Vynor’s thoughts on this. I have had to arrange two funerals in the last few years and both had various complexities adding to the costs and making it difficult to make comparisons. The cost of having an entirely new family memorial after the second funeral exceeded the combined cost of both the funerals but fortunately it was possible to meet all the costs from the respective estates. So many of the elements of a funeral are optional making it difficult to judge what a funeral should cost; it is practically impossible to get competitive quotations and there is no room for negotiation [which would be unseemly in any case].

One thing I found difficult to get right was the choice of officiator for non-religious services. In both cases they were ‘found’ by the funeral contractors. One was very good but she was not available on the second occasion when the substitute was very disappointing. He mispronounced names and gave the impression of not having read the text I had prepared before having to read it out in the crematorium chapel. These people have excellent digital music systems that can play virtually any track that has been recorded but it is essential to be very specific about which version is required. The low-fidelity of chapel public address systems and acoustics can spoil the end result, however.

I endorse Vynor’s remarks about the funeral contractors; I have attended a large number of funerals and arranged quite a few as well and have always found the funeral company’s staff very conscientious and diligent and unfailingly supportive. There was just one problem after the first funeral when they failed to get the cemetery company – despite correspondence and promises – to restore the grave and replace the original headstone so that by the time of the second funeral two years later the pieces were still lying around in long grass away from the grave. That was why the family chose to have a whole new memorial installed by monumental masons. The cost of floral tributes is surprisingly high for doing anything decent.

I’m not sure about undertakers sitting round sipping cigars and smoking champagne, but I would just like to see an evaluation of the costs involved. Then I’ll better understand whether they seem sensible.

There is already enough pollution in the sea, duncan – please don’t add to it with cardboard but, in the nicest possible way, it makes sense for you to join the food chain. Not an option for most of us. Should we add to greenhouse gases? I’d like to be buried (with a mobile, just in case), marked by flowers, and hope I’ll be missed just a little for a short while. But then life must go on.

Perhaps broadband will have reached the afterlife area(s) by then and we’ll be able to keep in touch

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I share Duncan’s concerns about the marketing behaviour of the funeral plan industry, but preying on people’s fears over meeting the costs of a funeral goes back to the nineteenth century when people were signed up to insurance policies for a penny a week which rarely delivered as much as they promised.

The reality is that a significant proportion of the population does not have enough in savings and available money to meet the cost of an average, no-frills, funeral so it falls on the rest of the family, which might also be short of funds at the particular time. I think the funeral trade should put some work in to offering a dignified but basic provision, but the problem is that their elements might be a minor part of the total expense as various disbursements and fees have to be met and these are outside the funeral company’s control. If there is a long distance to the cemetery or crematorium, or if the body has to be collected from a distant hospital following a post mortem examination [an increasing number of deaths involve the Coroner these days], or if there are any special religious observances, these can all add to the costs before you even get on to the ‘optional extras’ like additional limousines, flowers, order of service booklets, celebrant, organist, bell-ringers, interment of ashes, notices in newspapers, entries in the book of remembrance, and gravestone [or memorial for cremated remains], to name just a few. Most people attending a funeral have considerable personal expenses for travel, accommodation, attire, floral tributes or charity donation, and so on, so the total costs can become very high. It is easy to understand why insurance polices have been devised to meet the costs and why people take comfort from having a funeral plan in place. There needs to be much more transparency of exactly what it covers. I have not researched these policies but I presume that, like all life insurance, the sooner one starts the lower the lump sum or annual cost for an equivalent provision. I should think someone who has recently retired and started to think about this should probably look around the market for a plan that covers a £7,500 – £10,000 funeral at today’s values and hope that the rate of inflation for funerals is the same as, or lower than, the household expenditure level, but history demonstrates that is unlikely to be the case.

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While the deceased can specify their wishes, and add directions as an annexe to their Will, ultimately the decisions will be made by the next of kin or the executor and it is very hard to get people to dispense with the conventions of a decent and dignified funeral. I am not sure whether the funeral trade are willing to cooperate in a completely stripped-back form of disposal – even burials at sea require official permissions and there are restrictions on permitted locations; seaside councils don’t want bodies coming in on the next tide. Anything out of the ordinary involves various practical arrangements which will inevitably require some external assistance, and therefore costs and a possible refusal to oblige. Even burying someone in their garden is not recommended as it would need to be declared during a future house sale. Even the simplest, most basic funeral will attract some fees and a plot in a cemetery costs a lot of money, as do the woodland burial grounds now increasingly popular. Most cemeteries insist on some form of grave marker and cover over the grave even if a headstone is not required – they are, after all, commercial companies who have one eye on future sales and wish to present an attractive site. I suspect that a simple cremation is the most economical arrangement but even then there are additional fees for the medical referees who are required to certify the death [because the body will be destroyed and therefore not available for further examination in the event of an official inquiry]. It is not helpful to the family to make impractical directions so some research into the minimum that is realistically possible should be done in the first instance before adding to people’s grief by giving rise to conflicting sympathies or emotions.

Although the local authority will undertake a funeral as a last resort the criterion is not just a matter of the poverty of the deceased but whether they have any kin who could take responsibility, and the council will explore this diligently to avoid burdening the council taxpayers with unnecessary expense. Funeral contractors will provide a basic funeral in such cases but will still expect to make a profit; perhaps the cost of a statutory funeral should be the benchmark against which all other costs are compared but I doubt if any undertaker or council will disclose it [it would probably be exempted under the confidentiality category in a Freedom of Information request].

Hi Carol – my father-in-law did this. I don’t know if you have read up on this yet, but it might be worth doing some research first. This was about 10 years ago, but we found that the hospital had very little knowledge of the process involved after his death and had problems getting a research establishment to accept his body. Eventually he went to Cambridge Uni I think. After 2 (?) years donated bodies are cremated and the uni holds a joint memorial service for all those bodies used over the year. I didn’t go to it, but my sister-in-law did and said it was very nice.

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duncan, I wonder how many know of this payment, or would be directed to it when the unhappy circumstance arises.

I do not automatically assume that funeral directors make a fortune out of people at a vulnerable time, but would like to simply see the real costs involved in dealing with a deceased to see that what we pay is justified.

Is a state funeral free? I’d quite like one.

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When I have registered deaths the registrar has informed me about the availability of funeral payment assistance for those arranging funerals who are in receipt of certain state benefits. It is a useful contribution towards the expenses. It would only apply in full if the deceased had no estate and the person arranging the funeral was on benefits.

In criticising the cost of a funeral I feel there is an obligation to suggest how it could be provided at lower cost or how any subsidy could be provided and paid for.

There is also bereavement assistance. You may be able to get a £2,000 Bereavement Payment if your spouse or civil partner died before 6 April 2017. This is a one-off, tax-free, lump-sum payment. If your spouse or civil partner died on or after 6 April 2017 you may be eligible for Bereavement Support Payment instead. See –
https://www.gov.uk/bereavement-payment

The curious aspect of funerals is that it is something that we all know is coming but which we are reluctant to plan and make financial provision for. I gather that only 300,000 people have entered into a funeral plan. There could be many reasons for that low number, including a general belief that they do not represent good value for money, that they are not all they are cracked up to be and leave many costs uncovered, and that people are turned off by the somewhat desperate marketing associated with them. Of course, the vast majority of people probably believe they will have sufficient realisable resources available in the event of their death not to require any forward planning and provision.

I would hope that the CMA will provide answers to Malcolm’s points about the true costs of the elements of a funeral.

I should have mentioned earlier that when registering a death the Registrar hands over a very comprehensive guide [by the DWP I think] to all the things that the people responsible need to do or be aware of including all the sources of financial and practical assistance. Among other things it is a one-stop process for notifying a whole range of national and local government agencies of the death. I believe the system is more supportive than people expect it to be or give it credit for.

It is necessary to make an appointment for registering a death as it is quite an administrative process and several copies of the death certificate might be required. The person registering is asked to bring certain documents like the deceased’s passport, concessionary travel pass, NI number, NHS registraton details etc so these can all be dealt with. I was a little surprised to watch the Registrar immediately cut a corner off the passport but that is a necessary protection against fraudulent use. Clearly, the internet has enabled a lot of effort to be put into stopping pension and benefit over-payments, cancelling voter registrations, and preventing the misuse of travel passes as well as locking together all the personal interfaces with the state.