Thinking about your funeral may not be easy, but planning ahead can bring real peace of mind for both you and your loved ones. At the Heart of England Co-op Funerals, our pre-paid funeral plans are designed to provide you with a helping hand so that planning a funeral is as simple and stress-free as possible.
To receive a call back from a trained member of staff please contact us below, or call 0800 652 7226 to discuss any aspect of our services in more detail.
How do pre-paid funeral plans work?A pre-paid funeral plan allows you to arrange and pay for your funeral in advance, protecting your family from unexpected costs and difficult decisions when the time comes. By locking in today’s prices and setting out your personal wishes, you can ensure that everything is handled the way you want, while easing the financial and emotional burden on those you care about most later down the line.
Whether you want a simple service, a cremation, or something more personalised, pre-paid funeral plans give you both control and reassurance that everything will be taken care of.
At Heart of England, we know that every person has different needs and priorities when purchasing a pre-paid funeral plan, which is why they offer a variety of options so you can find something that suits you and your family. All of our plans cover the funeral director’s charges as well as third-party charges as specified within them. They also include transportation and care for the deceased. Beyond these essentials, each of our plans builds a different type of funeral, and you can choose the one that’s right for you. You can also head over to our funeral plans comparison page for a full look into what each plan can offer you and your family.
£1,695
Our Direct Funeral Plan is a simplistic cremation funeral offering with no service and no mourners attending.
£3,875
The Essential Funeral Plan is a simple hearse only funeral service.
£4,290
Our Traditional Funeral Plan provides a classic funeral service, complete with hearse and limousine.
£POA
We understand our set plans may not meet everyone’s needs. That’s why we offer Bespoke Funeral Plans, allowing you to build an arrangement that is uniquely yours.
If you’d like to learn more about what’s included in our funeral plans, you can learn more on our plan provider Ecclesiastical Planning Services website. Alternatively, explore our bespoke funerals page to discover how you can create your own custom plan.
Are pre-paid funeral plans a good idea?Pre-paid funeral plans not only ensure your wishes are carried out, but also lock in the cost at today’s prices, protecting your loved ones from future inflation.
Our plans also allow your loved ones to arrange and pay for additional requests when the time comes, giving your family full flexibility to tailor the service should anything change, with the essentials already covered.
Prices differ from provider to provider, but at Heart of England, our pre-paid funeral plans start from £1,695 for our Direct Unattended Funeral plan, while Attended Funeral plans start at £3,875. These prices are even lower for Co-operative members, who can make the most of our exclusive member discount on funeral plans.
For just £1, you can become a member of Heart of England Co-operative Society, and our membership scheme offers you the opportunity to benefit from a discount on our pre-paid funeral plans*. To become a member, just join online at any time on the Heart of England Cooperative Membership website, and benefit from the following discounts on our plans.
Direct Plan – £1,670 (includes £25 member’s discount)
Essential Plan – £3,750 (includes £125 member’s discount)
Traditional Plan – £4,090 (includes £200 member’s discount)
Bespoke Plan – £POA (up to £200 member’s discount)
Whether you’re a member or not, you can also benefit from having all third-party costs covered within our plans, unlike some providers who only guarantee the funeral director’s fees. Once we’ve agreed on a complete fee with you, that’s the amount you’ll pay for the options you have selected, as long as we carry out your funeral and your requirements don’t change.
The complete fee we agree upon with you is the fixed price you pay for your chosen options, provided we conduct the funeral and your requirements remain unchanged.
Your plan locks in the price of third-party fees such as transport or flowers. Should those costs rise for any reason, you pay nothing further.
We guarantee that the agreed-upon fee represents the complete and final price, not a ‘contribution towards’ your plan.
Your pre-payment amount is held in a specifically-designed ‘whole of life’ policy with Royal London Mutual, which is a large mutual insurer in the UK.
Funeral funds can only be accessed by us upon your death in order to provide for the funeral, or if the plan is cancelled.
We’ll deliver your chosen plan regardless of future price increases, guaranteed.
So that you know exactly what your money will be spent on, here is a breakdown of the costs of our funeral plans for full transparency.
| The costs | The direct funeral plan | The essential funeral plan | The traditional funeral plan |
| Funeral Directors costs | £560 | £2,150 | £2,565 |
| Guaranteed third-party costs | £810 | £1,400 | £1,400 |
| Administration fee | £325 | £325 | £325 |
| Total price | = £1,695 | = £3,875 | = £4,290 |
The bespoke funeral plan pricing will look different depending on the options you pick. If you’d like a full breakdown of the costs of a bespoke funeral plan, then please contact our friendly team for an in-depth look at the costs based on your needs, or you can browse our page on bespoke funeral plans for more information.
“Wonderful, caring people. Everyone was polite, respectful and very helpful. The staff helped us through what my aunt had requested, and we found the entire process much easier due to their thoughtfulness.”
Mrs Scott
Not only do we offer a range of options to cater to diverse needs and requirements, but our plans are flexible and allow you to make as many, or as few, choices as you like. We handle every decision seriously and with sensitivity, so you can enjoy a stress-free, personalised service that helps you plan for tomorrow.
We help you create a fully personalised funeral plan that precisely meets your specific wants and needs, ensuring every detail reflects your wishes.
Our team will share their time, knowledge, and expertise with you, guiding you through the planning process so you can make the choices you want to.
Our expert team is ready to answer all your questions and efficiently guide you through the necessary documentation process.
We have proudly served our local communities for over 190 years. We are dedicated to offering the expert, compassionate guidance you need to plan ahead.
We are committed to transparency; all our funeral plans are free from hidden costs or unexpected surprises. To explore the specifics of our services, including detailed pricing and terms and conditions, please download our comprehensive brochures below.
Download our Funeral Plans brochure
“Thank you from the bottom of my heart! Five stars is simply not enough. I will be eternally indebted to all concerned for affording me the opportunity to create a day that will forever live on in the memories of all those in attendance.”
Mr D McDougall
Applying for one of our funeral plans is straightforward. You can even choose to pay in instalments rather than an upfront payment if that better suits your situation and needs (eligibility criteria and additional fees apply*). If you want to discuss your options with us, you can contact us by phone, email, or via our website. Alternatively, if you want to talk to one of our experts in person, there will always be a warm welcome at one of our funeral homes. We can also arrange for a colleague to visit you at home if you prefer.
Once your application has been processed, our plan provider, Ecclesiastical Planning Services, will send you a Welcome Pack. This will include a copy of your personalised Funeral Plan Summary, detailing the Plan you have chosen. You can also choose to nominate a representative who can also receive details of the plan.
Prices based on today’s cost of a funeral plus a £325 Administration fee. Prices are correct as of February 2026 and may change in the future. Instalment payment options available. Eligibility criteria and additional fees apply, see our eps-funeral-plan-terms-and-conditions.pdf and www.funeralplans.co.uk for more information. Heart of England Co-op Funerals, which is a trading name of Heart of England Co-operative Society Limited, Whittle House, Foleshill Enterprise Park, Courtaulds Way, Coventry CV6 5NX Reg. No. IP02399R is an Appointed Representative of Ecclesiastical Planning Services Limited Reg. No. 2644860, registered in England at Benefact House, 2000 Pioneer Avenue, Gloucester Business Park, Brockworth, Gloucester, GL3 4AW, UK, which is authorised and regulated by the Financial Conduct Authority. Firm Reference Number 958152. The Financial Conduct Authority regulates pre-paid funeral plans.
s.
Putting a funeral plan in place can make a big difference to your loved ones when the time comes. Our high-quality, sensitive and personalised services mean you can easily plan for tomorrow, today.
