These are variable costs charged to the Funeral Director for services associated with your funeral by a third party. The
amount is designed to contribute to the crematorium fee or cemetery fee, the doctor’s fee (if applicable), and a celebrant or
minister fee.
These costs vary across the country and not all of them will be charged for every type of funeral. We’ll describe each one of
these fees in more detail below.
- Crematorium Fee – This is the charge made to cremate your body at time of need and is set by the crematorium
owners; these can be local authorities or private companies. Sometimes this fee will include a service at the
crematorium too. Crematorium fees can vary considerably even in the same area and some crematoria apply different
rates depending upon the time of day that the funeral takes place. There may also be additional fees applied if the
crematorium is not in the area where you live. It should be noted that in most cases cremations at the weekend are
almost always more expensive than a weekday fee. The funeral director will discuss crematorium options with your
nominated representative at the time of need. - Cemetery Fee – This is also sometime referred to as a Burial or Interment fee. This fee is for the opening and closing
of an existing burial plot and a service to be held at the cemetery. This charge will be set by the cemetery which may
be owned by a local authority, religious body or privately. There may be additional charges for burials for people that
aren’t resident in the burial site’s catchment area. Our plans do not include the purchase of a new burial plot – you
should consider purchasing this in advance. - Minister/Celebrant Fee – This is the fee charged by the person officiating the service at the crematorium, cemetery,
or other building and could be for a religious or non-religious service. We recommend considering the type of service
you might want and add this to your plan as a request. Our plans do not provide for other charges such as minister
travel, church, or organist fees.
If your plan has a disbursement contribution in it, the we offer a contribution up to £1200 for these third-party costs in your
plan price and this rises in-line with CPI every year in July. If the 3rd-party costs are higher than the amount available in
the plan at the time of the use, then any shortfall will need to be paid by your family or estate. If the fees are less than the
contribution, then we do not refund any amounts not used.