Prepaid Funeral Plans FAQs
Dignity has a network of hundreds of owned or approved funeral directors throughout the UK. When you take out a plan, or if you phone Dignity in advance, they will let you know the nearest nominated Funeral Director.
We’ve covered some frequently asked questions about Dignity’s prepaid funeral plans, but should you need any further information, please get in touch with your local branch.
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Does the plan cover every cost?
The plan guarantees to cover the items listed in the plan. For a cremation funeral this includes the crematorium fee and minister’s fee. For a burial funeral, the burial cost cannot be fully guaranteed. Instead a contribution of £1,220 is included towards burial costs. However, there may be some additional costs for items such as flowers or memorials. Regulatory changes could also mean extra charges might apply, e.g. if VAT became payable on funerals.
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What happens if I move house?
The plan can be used anywhere in mainland Great Britain and Northern Ireland, Jersey, Isle of Man and Isle of Wight. Just tell Dignity your new address and where necessary/required they will advise you of your new Dignity Nominated Funeral Director.
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What happens if I pass away before I've paid all the monthly instalments?
The arrangements and price guarantee in your plan will remain in place provided the person arranging the funeral agrees to pay the outstanding balance to Dignity at the time of the funeral.
If you choose to pay for your plan over more than 12 months, and pass away before you’ve finished paying for it, Dignity will cover your outstanding balance. Please see the Instalment Payments section of the Dignity Prepaid Funeral Plan Terms and Conditions for further details
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What happens if I stop paying my monthly instalments?
Your plan will lapse. The services included in your plan can still be carried out, but Dignity can’t offer the price guarantee.
Any monies paid into your plan can be put towards the cost of your funeral at the time it is needed.
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What if Dignity goes out of business?
All the money you pay for your plan is protected whatever happens to Dignity, as the money is held securely in the totally independent National Funeral Trust which no one at Dignity can access.
In the unlikely event of Dignity going out of business, the Managing Trustees of the Trust would work with the remaining nominated funeral directors, and where necessary seek to appoint new nominated funeral directors, to continue to provide services to Planholders.
Dignity is a registered provider with the Funeral Planning Authority and in this scenario, other Registered Providers would co-operate in the delivery of the Authority’s “Pledge to Customers” by which they will examine ways in which they might assist in delivering the funerals of customers of the insolvent Registered Provider.
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What if I change my mind? Can I have a refund?
Yes, you can have a full refund within 30 days. If you cancel after 30 days, a £249 fee will be deducted from any refund due to you. This is so Dignity can maintain the promises they make to all planholders.
A prepaid funeral plan lets you pay for your funeral at today’s prices, protecting you against rising funeral costs.
To discuss taking out a plan, contact your local branch. We can’t offer face-to-face appointments at the moment, but we can offer appointments by telephone.