If you arrange the funeral with a funeral director, you’re responsible for the costs. You should ask to see a price list before choosing a funeral, or explain how much you have to spend and see what services are possible.
The person who died might have paid for their funeral already. This is called a funeral plan. If you don’t know if there’s a funeral plan, you can:
- check the will
- ask the person’s close friends and relatives
- ask local funeral directors
- search for funeral plans on the Funeral Planning Authority’s website
You might be able to get help paying for the funeral if you’re on benefits. Check if you can get a Funeral Expenses Payment on GOV.UK.
Getting a written estimate
Once you’ve chosen the funeral, you should be given a written estimate giving a breakdown of all of the costs involved. Ask for one if it’s not provided.
If you want to compare costs, you can contact other funeral directors, or ask someone else to help you with this.
Paying for the funeral
Some funeral directors might ask for a deposit before making the funeral arrangements.
You may be offered a discount to pay for the funeral before or soon after it takes place. If you know the money will be released at a later date to cover the cost, you might want to consider a bank loan or overdraft to pay early.
Money may be released later, if the person who has died made arrangements to pay for their funeral through an insurance or other policy, or if money is released after their estate has been dealt with.
If there is a legal claim for negligence against someone for the death, the cost of the funeral can be claimed as compensation.
Otherwise, you may agree payment by instalment, or pay after the legal process of dealing with the person’s estate has been settled.