Funeral plan FAQs

Howe and Son Funeral Director will be able to answer any questions you may have about pre-paid funeral plans. We have also put together some answers to the most frequently asked questions below to help you.

What is a funeral plan?

A funeral plan allows you to arrange and pay for your funeral in advance of need, providing emotional and financial peace of mind for you and your family.

Where do I have to go to arrange a Southern Co-op Funeral Plan?

The Southern Co-op Simple, Classic, Prestige and Premium funeral plans are only available to purchase online. A Southern Co-operative Funerals bespoke plan can be arranged via telephone or video call. Call 0800 243 380 to arrange.

Who can arrange a Southern Co-op Funeral Plan?

The Perfect Choice Funeral Plan is available to anyone aged 18 and over. You can arrange a funeral plan for yourself or on behalf of a partner, relative or friend.

Do I need a medical to purchase a Southern Co-op Funeral Plan?

No, there is no medical required when applying for a Southern Co-op Funeral Plan, whether or not you have any existing medical conditions.

How much does a Southern Co-op Funeral Plan cost?

The cost of a funeral plan will depend on the options you choose, for example, the type of coffin and funeral vehicles, or if you require flowers, stationery or memorials. We can supply you with a free no obligation quotation detailing all of these costs. Download Bereavement Financial Support PDF here

Will there be anything else to pay for at the time of the funeral?

A Southern Co-op Funeral Plan fixes the funeral services paid for with no hidden charges or conditions. Subject to terms and conditions.

Will a Southern Co-op Funeral Plan cover costs if I die abroad?

The Perfect Funeral Plan does not cover funerals that take place aboard. If you plan to go abroad, you should ensure that your travel or medical insurance policy includes full cover for repatriation costs. Once repatriated to the UK, the funeral plan can then be used to arrange the funeral as normal.

How do I pay for a Southern Co-op Funeral Plan?

Payment for a Southern Co-op Funeral Plan can be made online safely via Worldpay using a credit or debit card as a one off payment. We also offer an easy payment scheme to spread the cost over, 12, 18 or 24 months through monthly instalments, securing the cost for a fixed monthly payment. Instalment charges apply to 18 or 24 month options.

If I die prior to completing the instalment plan, is my funeral plan still valid?

In the event of death before all instalments have been made on the funeral plan – the purchased price will still be honoured as long as any outstanding balance is paid in full. Subject to terms and conditions.

How will the person arranging my funeral know what to do when the time comes?

It is important to let the next of kin or executor know that you have arranged a Southern Co-op Funeral Plan and where the funeral plan certificate can be found. You also have the option to add a nominated representative whom can act on your behalf and be included in any relevant communications. At the time of need, they must contact us and we will organise the funeral arrangements

Can the Southern Co-op Funeral Plan include special wishes?

You can add special wishes and requests such as song choices, readings, information for a eulogy and so on. There is no charge to add these details. There may be more to pay if you require additional features, services or upgrades.

Can I cancel a Southern Co-op Funeral Plan?

If you change your mind and want to cancel a funeral plan outside our 30 day cooling-off period, the amount returned will be the monies paid into the funeral plan, minus any applicable administration and cancellation fees. Subject to terms and conditions.

Can I change a Southern Co-op Funeral Plan if my wishes change?

Yes, you can alter your funeral plan arrangements at any time. Any products and services added will be charged at the current price.

Will my money be safe?

All Southern Co-op funeral plan monies are invested in a regulated whole of life insurance policy in accordance with our statutory obligations. Southern Co-operative Funerals Limited is authorised and regulated by the Financial Conduct Authority (FCA). When you buy a plan from Southern Co-operative Funerals Limited, we buy a whole of life insurance policy with Royal London Mutual Insurance Society Limited (Royal London). Royal London is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.