It is one of those uncomfortable truths about death that it costs money. Not a small amount of money. In the UK, the average cost of a funeral has risen significantly in recent years — and for families who haven't planned or provided for it, the financial shock can compound an already devastating time.
Talking about money in the context of a loved one's death can feel uncomfortable. But talking about it now — while there's time to plan — is one of the kindest things you can do.
The Average Costs
A basic funeral in the UK — including a funeral director's fees, a coffin, and a cremation or burial — typically costs between £3,000 and £5,000. A more elaborate funeral, with limousines, a premium coffin, flowers, and a large venue for the wake, can run significantly higher.
Burial is generally more expensive than cremation, largely because of the cost of the burial plot. Church and council-run cemeteries charge differently, and the location of the cemetery can affect the cost significantly.
Financial Assistance
For families who cannot afford a funeral, there are options. The Funeral Expenses Payment from the government can help those on certain benefits. Some funeral directors offer prepaid funeral plans that allow people to fix the cost at today's prices. Charities and community organisations sometimes provide additional support.
Planning Ahead
A prepaid funeral plan is one of the most practical gifts you can leave your family. By fixing the cost of your funeral in advance, you remove the financial burden entirely — and you also get to specify exactly what you want.
In our Honouring My Wishes workbooks, there is space to record your funeral wishes and any financial provisions you've made for them. Combine this with a prepaid plan or a specific savings provision, and you've given your family one less thing to worry about.
— The Evelyn48 Team 💜