Planning own funeral

Planning your own funeral might seem like a daunting or uncomfortable task, but it can be one of the most considerate decisions you make for your loved ones. By taking charge of your final arrangements, you can ensure your wishes are respected and provide peace of mind for family and friends.

In this guide, we’ll explore considerations when planning your own funeral, including the benefits of planning ahead, steps to create your plan, choosing a funeral provider, and considering funeral plans.

Why plan ahead?

Funeral planning ahead of time has numerous benefits that can ease the burden on your loved ones. Here are some of the main reasons to plan for your own funeral.

Peace of mind

Planning your own funeral provides peace of mind for both you and your family. Knowing that your wishes will be carried out exactly as you want allows you to focus on enjoying life without worrying about the inevitable. For your loved ones, it alleviates the burden of making difficult decisions, or any uncertainty during a time of grief.

Pay in advance

Paying for your funeral in advance can significantly ease the financial pressure on your family. By taking care of the expenses now, you lock in today's prices and avoid potential future inflation.

For example, since 2004, funeral costs have more than doubled from £1,835 to £4,141[1], meaning pre-paying can secure current prices and save money. This ensures that your family won’t have to worry about financing your funeral during an emotionally challenging time.

[1] SunLife Cost of Dying Report 2024, sunlife.co.uk/ funeral-costs

Keep your wishes safe

Documenting your funeral preferences guarantees that your final wishes are respected. Whether you prefer a traditional service or a simple celebration of life, detailing your choices ensures that everything will be handled according to your desires, giving you control over your final farewell.

How to plan your own funeral

1. Decide on the kind of funeral you’d like

When thinking about what kind of funeral you'd like, it’s important to consider your personal preferences, beliefs, and values. One of the first steps in this process is to decide between cremation or burial. Each option has its benefits and considerations:

Cremations

  • Cremations are typically less expensive than burials.
  • They also provide more flexibility. For example, options for ashes include scattering, keeping in an urn, or creating memorial items.
  • Cremations are considered more environmentally friendly.

Burials

  • Burials are typically more expensive than cremations.
  • They are often chosen for cultural or religious reasons.
  • Burial provides a permanent resting place, allowing family to visit.
  • A burial allows for a variety of choices across caskets, burial plots and headstones, though these additional considerations can increase funeral costs.

Laptop On Table With Coffee

2. Think about service details

When planning your funeral, consider the specifics of how you want the service to be conducted. These details can greatly impact the overall tone and cost of the funeral. For example, you might want to think about whether you want a simple or elaborate ceremony.

If you did have a more elaborate ceremony in mind, it’s important to remember that this kind of service tends to be more expensive due to additional elements and arrangements.

Alternatively, a simple funeral without the details associated with traditional services offers a more affordable option.

Here are some key points to consider:

  • Decide if you want your ashes scattered, kept in an urn, or divided among family members.
  • Consider whether you prefer a simple service or an elaborate ceremony.
  • Choose songs that hold personal significance or that you believe will comfort your loved ones.
  • Think about whether you want a separate celebration of life event in addition to or instead of a traditional funeral.

3. Choose a funeral provider

Choosing the right funeral provider is an important step in planning your own funeral. The provider you select will play a significant role in ensuring your wishes are fulfilled and that the process is as smooth and stress-free as possible for your loved ones.

The right provider should offer services that align with your preferences and budget while providing support and guidance during a difficult time.

Think about the following when choosing a provider:

  • Compare prices to find a provider that fits your budget.
  • Ensure they offer the type of service you desire, whether it's a traditional funeral, direct cremation, or something else.
  • Consider providers with multiple locations or a nationwide presence for added convenience.

Here’s a checklist of questions to ask potential providers:

  • What services are included in the price?
  • Are there any additional costs?
  • Do they offer the type of service you prefer?
  • Do they help with administrative details like funeral documents?
  • What are their customer reviews like?

At Distinct Cremations, customer service is our top priority. Read our reviews to find out why we're one of the most trusted direct cremation companies in the UK.

4. Consider a funeral plan

When planning your own funeral, deciding how to pay for it is one of the biggest considerations. A pre-paid funeral plan can help you cover costs in advance and ensures all details are handled according to your wishes.

The biggest benefit of a funeral plan is that it locks in costs at today's prices, protecting against future price increases. With funeral costs having more than doubled from £1,835 to £4,141 [2], this can save you a significant amount of money.

This makes funeral plans one of the most popular ways to pay for a funeral, with 37% of people choosing this option. [3]

A funeral plan also provides financial flexibility. For example, at Distinct Cremations, our plans can be paid as a one-off payment, monthly over 12 months, or over 5 or 10 years.

Our funeral plans cover essential elements such as:

  • Funeral director services, including legal and cremation paperwork.
  • Collection by private ambulance and preparation for cremation.
  • A coffin and cremation at one of our crematoriums.
  • Ashes delivered back to the family within 14 days or scattered at the crematorium.

Considering a funeral plan can provide peace of mind, knowing that both the financial and logistical aspects of your funeral are taken care of in advance. Learn more about how funeral plans work in our guide.

[2] & [3] SunLife Cost of Dying Report 2024, sunlife.co.uk/ funeral-costs

Our funeral plans

Our low cost funeral plans let you arrange and pay for a simple and affordable funeral for yourself or a loved one ahead of time.

Pre-planning now ensures your final farewell is carried out according to your wishes and your loved ones are protected from the emotional and financial burden of arranging a funeral during such a challenging time.

All of our fuss-free funeral plans include:

  • Collection by private ambulance and preparation for cremation at our state-of-the-art mortuary facilities.
  • Essential funeral director services including help with all legal and cremation paperwork.
  • A coffin and respectful cremation at one of our own crematoriums.
  • Ashes personally delivered back to the family within 14 days or respectfully scattered at the crematorium.

Unattended Direct Cremation Plan

From £1,899
or £19.79* per month

Celebrate a life without the restrictions of a funeral

  • A simple, dignified and
    affordable option
  • No formal service or
    attendees present
Find out more Buy a plan now

Small Attended Cremation Plans

From £2,199
or £25.58** per month

Two simple service options for a family-led send off

  • A 10 minute service for
    up to 8 attendees OR
  • A 20 minute service for up to 20 attendees
Find out more Buy a plan now

Simple
Funeral Plan

From £2,999
or £37.80*** per month

A respectful cremation funeral led by a celebrant

  • Unrestricted number
    of attendees
  • A full length service at
    the crematorium
Find out more Buy a plan now

* Price advertised is for a 50 year old paying over a 10 year period. Total cost is £2,374.80 and includes administration fees. ** Price advertised is for a 50 year old paying over a 10 year period. Total cost is £3,069.60 and includes administration fees. *** Price advertised is for a 50 year old paying over a 10 year period. Total cost is £4,536 and includes administration fees.

For additional pricing information and a full list of our optional extras, please see our price list.

Planning your funeral in a short time

Sometimes, circumstances require planning your funeral quickly. This can be a challenging time, filled with many decisions that need to be made swiftly. Choosing a provider who can handle the details and offer quality support can make the process much more straightforward.

One option to consider is direct cremation, which is simple, affordable, and allows for flexibility in planning a celebration of life later on. Distinct Cremations offers both unattended direct cremation and attended cremations, providing options to suit different needs and preferences.

Get in touch with us today

If you'd like to chat with someone to talk through your funeral options or you have any specific questions you'd like to ask about our services, please do get in touch. We're here for you 24/7.

Call us on 01543 211997

Other helpful resources

Learn more about funeral plans and funeral types. Or if you already know you want a simple cremation funeral, you can go ahead and set up a plan with us.

Choose a funeral plan

Couple Choosing Funeral Poems From Book

Now you know what a funeral plan is in more detail, find out some steps you can take to find the right funeral plan product for you.

How to choose a funeral plan

Cremation or burial?

Traditional Burial

Still undecided about which type of funeral you would like? See the ways cremation and burial funerals differ to help you make up your mind.

Find out about cremation and burial

Set up a funeral plan

Senior lady arranging a funeral plan

Like the look of our simple and low-cost plans? You can set up any of our unattended or attended funeral plans over the phone or online.

View our funeral plans

What our customers say about us

We offer the highest level of support, but don't just take our word for it. Below are recent reviews from customers who bought a funeral with us.

4.9/5
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4.9/5
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Anonymous, on Feefo 22 Jan 2025
Really easy to set up and pay for in instalments.
Gary Hunt, on Feefo 21 Jan 2025
Regular contact from the initial phone call right through until after the ashes were returned to my mother. Very courteous and respectful at all times, would definitely recommend this without hesitation.
Ian Salmoni, on Feefo 21 Jan 2025
I recently had to call upon the services of Distinct Cremations when sadly my partner passed away suddenly. Maxine at Distinct Cremations was my contact, what a lovely lady, she took care of everything at my request, not trying to push any extras for the cremation of my partner, Maxine showed empathy and understanding in a very difficult time for myself, also kept me updated throughout the whole process right until my partners ashes were returned to me. So I have nothing but gratitude to Maxine and Distinct Cremations, and would recommend this Company to friends/family and anybody reading this review. Thankyou so much Maxine and the team @ Distinct Cremations ❤️
Rachel Dawn Owen, on Feefo 20 Jan 2025
I can honestly say Distinct Cremations were amazing throughout. From first ringing them right through to receiving the ashes back the service was excellent. They were thorough and compassionate in what was a traumatic time and kept me informed very step of the way.
Anonymous, on Feefo 16 Jan 2025
Jan was very friendly m, helpful and informative. A very pleasant experience.
Anonymous, on Feefo 14 Jan 2025
L Smith, on Feefo 10 Jan 2025
It was such a simple process from start to finish and our allocated assistant - Maxine - bent over backwards to make sure we were happy. The communication was great, the staff were so respectful and we felt relaxed the whole time knowing our loved one was in good hands. We would definitely recommend Distinct Cremations and will be organising our own cremation plan with them in the future.
Anonymous, on Feefo 10 Jan 2025
Veery efficient. Staff are very helpful. Fully recommended.
4.9/5
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4.9/5
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4.8/5
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