The Cost of a funeral

Organising a funeral following the death of a loved is one the hardest things you will have to do. It can cause an additional level of stress at this very difficult time.  Before doing anything, you will need to make sure your doctor has registered the death and provided a dealth certificate.

It also important to contact your family solicitor. Your loved one may have left instructions regarding the funeral arrangements.

When you contact a funeral director they will take you through the process of making all the arrangements. They will provide you with brochures of coffins, and literally take care of every detail associated with the funeral.

Choosing a Funeral Director

It is important to choose a reputable funeral director. Have a look at their website to get an idea of costs. If your family has never needed a funeral director before speak to at least two directors in the area. There is a significant difference between directors and you need to be one hundred percent confident in them. Funeral Directors are kind and compassionate. Some unfortunately are more money focused. Take a few minutes and checkout their facebook page to see what other families say about them. There are significant differences in costs and attention to families between funeral directors. 

How much does a funeral Cost?

Most people have no idea how much a funeral costs unless they have personal experience.  The cost of a funeral can vary somewhere between £2,000 to literally thousands of pounds. The cost will depend on the choices made e.g. burial, creamation, coffin, cars, flowers, catering arrangements etc.

When we loose someone we love the last thing on our mind at that particular time are funeral costs. It is important that whilst we are emotionally charged, in a state of shock and distress to ensure that funeral costs are considered, particularly if no provision to pay for the funeral has been made.

It is important to make sure that you have a breakdown of the costs of a funeral and detailing exactly you are getting in the package.  Always bring a friend with you to help you make decisions and always know how much you can afford to spend.  There are quite a few things that you might be able to organise yourself that will save you a considerable amount of money. It is recommended that you get at least two quotations from funeral directors.

Depending on the wishes of your loved one, you might want to consider comparing the costs of a cremation which are considerably lower than a burial.  Your funeral director can guide you.

Below provides a list of items that your Funeral Director will offer. The breakdown is for illustration purposes only, and is intended to provide a guide of the range of costs associated with each item from the cheapest to the most expensive.

Funeral items estimated in £’s

Coffin/Casket/Urn:                                                                           £90 –   £6000
Church, Burial and cremation burial, Grave digger:            £300 – £700
Hire of Cars Hearse/Limousine/Horse drawn carriage:            £250 – £1000
Flowers:                                                                                            £100 – £300
The choice of music:                                                                       £100 –  £500
Service stationery:                                                                        £50 –    £150
Catering options:                                                                            £150 –  £1000
Announcements in papers:                                                        £75 –    £150

Additional Items you may want to consider

Grave Marker:                                                                               £75 –   £150
Head Stone:                                                                                    £500 – £5000
Memorial Cards:                                                                          £50 –   £100
Release of Doves:                                                                          £75–    £100
Video Recording:                                                                          £100–  £300
Jewellery/Keepsakes:                                                                    £10 – £100

You should also budget for the following:

Doctor Death Certificate fee                                                     £75-  £150

Celebrant, Priest, Minister fee                                                    £100–£150

No frills Funeral

It is important to remember that you can arrange a no frills funeral. Please remember your loved will not want you to get into debt. Organising a no frills funeral can be just as tasteful and respectful. It is not about the amount of money spent on a funeral that counts. It is the thought that is put into it is about the personand you know them best.

Final Arrangements

The cost of funerals have increased considerably over the last five years, it may worth considering the following suggestions to cut down on costs:

• Decide if you want a cremation or burial, the difference between eco wicker or cardboard coffins will be significantally cheaper than wooden coffins.
• Check to see if Independent Funeral Directors are cheaper than the larger Funeralcare corporates.
• You do not have to buy a very expensive coffin. Funeral directors are in business to make money and there is very little difference in the quality of coffin in the mid range price. 
• When you are arranging your day and date, it may be worth checking to see if a wedding has taken place a day or two before the funeral. If not, contact your local flowerist and get a quotation. There is a significant difference in price when you order flowers yourself.
• If you want to offer visitors refreshments, dependent upon where you live, you might consider organising your catering arrangements in your local Community or Church Centre. Please don’t feel that you need to provide refreshments, the funeral is hard enough and if you just want to go home don’t feel you need to. You can bring immediate family back to your home and offer soup and sandwiches. 
• Consider asking a family member who has a nice car to drive you to the service.
• Consider using a Gravemarker until you are in a position to buy a permanent headstone.

Help with funeral costs

The government has a grant available from a Social Fund which will pay a contribution towards the costs of e.g. the funeral director fee, coffin, grave, burial fee and flowers please note it will capped. It is import Please also note that if you do need support to pay for the funeral you will need to get an application form to make sure you meet the criteria.  A breakdown of the items funded is also available. You can find out if you are eligible for support by following this link;

Uk :help paying for funeral costs.

Ireland: Benefits and entitlements

If there is an estate, you will be expected to pay back this funding from the estate after probate is settled.

Please also check your local credit union to see if your loved is entitled to a contribution towards organising the funeral.

I hope you found this article useful and I hope you will return to this blog, I have written some articles about Grief and Loss you might find helpful. In the meantime, don’t forget to take care of yourself, this is a very sad and difficult time. 

Light and Love Katex