Avalon provides a range of pre-paid funeral plans designed to take care of the details so your funeral will be just as you wanted, when the time comes. We’re always here to provide ongoing help and support to all our clients. Here we answer some of your most frequently asked questions to give you an idea of funeral costs along with a funeral planning checklist and a funeral planning guide.
Your plan guarantees the funeral director’s services at no extra cost to you or your next of kin, providing that the funeral is carried out by the funeral director stated on your plan certificate, all payments due on your plan are paid to date and if paying with fixed monthly payments, you have had the plan for at least two years. Your plan also includes an allowance towards the disbursement costs. Your plan will also include any additional services that you have selected and have or are making payments for.
Our three plans vary in price depending on the features you require. Please refer to our price list for further details.
You can pay in full with a single payment, by instalments or by fixed monthly payments. Instalment plans are available with a fixed term of up to 10 years. Interest of 4.7% per annum is charged on instalment plans with a term greater than 12 months. Fixed monthly payments are payable until the age of 90 or death if earlier.
Yes, you can add items to the plans for an extra cost, e.g. a Church Service.
Funeral Director’s Fees cover all the elements of the funeral that are provided by the Funeral Director directly. They include but are not limited to, the provision of Funeral Director Services, provision of a hearse, supply of a coffin, care and preparation of the deceased.
We have a number of reputable Funeral Directors to fulfil the funeral arrangements in the future. When you purchase your plan we will allocate a Funeral Director. If you have a preferred Funeral Director we will do our best to allocate your plan to them, but this is not always possible. If it has not been possible to allocate your plan to your preferred Funeral Director we will choose an alternative one for you. If the Funeral Director we have nominated is not acceptable, please contact us to discuss alternative Funeral Directors who could provide the funeral.
Disbursements are the payments associated with the funeral that the Funeral Director makes on your behalf.
They include the cremation or cemetery fee, Doctor’s fee and Minister’s fee. Your plan covers Disbursement Costs up to a pre-determined limit. Please see our price list for the current amount of this limit. This allowance will increase annually on 1st July in line with increases in the Consumer Prices Index (CPI). There may be a balance to pay at the time of need if the actual disbursement costs paid on your behalf by your nominated Funeral Director are more than the limit plus the annual uplifts in CPI. This could happen if you live in an area where disbursement costs are high or disbursement costs rise much more than increases in the CPI.
You have 30 days to cancel the plan in writing and receive a full refund of all monies paid. If you cancel the plan after 30 days a cancellation fee of £395 will apply.
Yes, just contact us to make changes to your plan. If you wish to add extra services, additional costs may apply.
Your money is securely invested in the Avalon Funeral Trust No.3. The funds in Trust are held separately to the Company and managed by Independent Trustees to ensure your money is protected. An actuarial valuation is performed annually to ensure there are sufficient assets to meet the future payments to Funeral Directors.
If the plan is fully paid, the plan will cover the Funeral Directors Fees & Services in full. If the actual disbursements paid via your nominated Funeral Director are less than pre-determined limit plus the annual uplifts in CPI, the disbursements will also be covered. If the actual disbursements paid via your nominated Funeral Director are more than pre-determined limit plus the annual uplifts in CPI your next of kin will be asked to pay the difference between the two amounts.
Your plan will not provide the funeral you have chosen until it is fully paid. If you are paying by instalments and your plan has not been paid in full at the time of your death we will send your next of kin a Closing Statement detailing the balance outstanding to make your plan fully paid. The balance outstanding will include any additional amount that needs to be paid if the actual disbursement costs are more than the disbursements limit plus the annual uplifts in CPI.
Your next of kin have the option to either:
Yes, you can buy an Avalon plan for someone else, and many of our customers have bought a plan for another family member.
No, there are no health questions. Your Avalon plan is guaranteed to be accepted.
You can take your plan with you. Remember to let us know and if necessary we will assign a new Funeral Director to conduct the funeral. If you let us know before the time of need there will be nothing additional to pay, but if this is done at the time of need a Preferred Funeral Director fee will apply.
If you move to one of the European countries that Avalon operate in, you can take your plan with you.
Yes, you can choose another Funeral Director from the reputable Funeral Directors that partner Avalon to fulfil your funeral plan. However, on occasion this may not be possible (see above).
Yes, you can make a record of any personal requests (e.g. hymns to be sung, etc.) and we will pass these on to the Funeral Director at the time of need.