Have you had the talk yet? Thinking about your own funeral may not be easy, but planning ahead can bring real peace of mind for both you and your loved ones. It’s a gentle chat that can lead to meaningful choices. 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 seamless as possible.
In October, you can save £100 on all of our pre-paid funeral plans, as shown below, on top of our member saving rates. Stop by your local Funeral Home and talk to us, or book an appointment online.
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.
A pre-paid funeral plan isn’t as complex as you might think. They allow you to arrange and pay for your funeral in advance, protecting your family from unexpected costs and difficult decisions when the time comes. That means extra clarity, comfort and peace of mind, knowing everything will be handled the way you want.
Doing it today helps you lock in today’s prices, 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.
With just a light conversation, you can find out which pre-paid funeral plan best caters to your needs. There are many options, so you can find something to suit your family. In these plans, you can also cover third-party fees such as transportation and care for the deceased, ensuring every little detail is taken care of.
Each of our plans build a different type of funeral, and you can choose the one that’s right for you. You can read through our funeral plans comparison page for a full look into what each plan can offer you and your family.
£1,595
Our Direct Funeral Plan is a simplistic cremation funeral offering with no service and no mourners attending.
£3,775
The Essential Funeral Plan is a simple hearse only funeral service.
£4,190
Our Traditional Funeral Plan provides a classic funeral service, complete with hearse and limousine.
£POA (save £100 in October)
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.
Pre-paid funeral plans are a small conversation that leads to big, meaningful changes. They not only ensure your wishes are carried out, but also secure the cost at today’s prices, protecting your loved ones from future inflation.
It helps prevent any future uncertainty, making sure everything is taken care of in advance, while still being flexible enough to allow your loved ones to arrange and pay for additional requests.
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, so you 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 extra discounts on our plans.
In October, members and non-members will also be able to save an additional £100 on all funeral plan options. That brings our plans down to the following prices:
| Direct Plan |
Essential Plan |
Traditional Plan |
Bespoke Plan £POA |
|---|---|---|---|
| Non Member Price £1,595 save £100* |
Non Member Price £3,775 save £100* |
Non Member Price £4,190 save £100* |
Non Members save £100* |
| Member Price £1,570 save £125* |
Member Price £3,650 save £225* |
Member Price £3,990 save £300* |
Members save up to £300 |
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 |
In October, members and non-members both save with a limited-time £100 discount on all of our Pre-Paid Funeral Plans.
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
As we talk through your needs, we’ll be able to offer flexible plans that allow you to make as many or as few choices as you like. So take the time to have that meaningful conversation with us, and let us handle every sensitive decision for you. Enjoy a hassle-free and 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
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.
T&Cs apply to funeral plans and this offer.
*Eligibility criteria apply to instalment plans. Offer available to over 18s, new funeral plan customers only, one discount per funeral plan. It is not transferable, there is no cash alternative, and it is withdrawn if the plan is cancelled. 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 FinancialConduct Authority. Firm Reference Number 958152.
Taking the first steps into pre-paid funeral plans means no uncertainty for the future. We’ll talk with you and ensure everything is tailored to your needs with our personalised and sensitive service. A gentle chat today can make all the difference for your loved ones later.
