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The cost of a funeral is probably not something you think about until you have to – but it might be more expensive than you’d think. According to Royal London, the average cost of a funeral in the UK is currently £3,700.

That doesn’t mean you have to spend that though – you might choose to spend more or less. How much you spend on a funeral will depend on certain factors, such as the wishes of the person that’s died and what you can afford. To give you a realistic idea of what a funeral could cost, we’re going to take you through the different options.

Respecting their wishes

If you’re in the position of planning a funeral for a loved one, it’s important to consider their wishes. They may have made these well-known before their passing or left instructions in their will.

Getting a good idea of what they had in mind for their own funeral could give you a better understanding of the type of funeral they would have wanted. Knowing how much money is in the estate to cover the funeral costs could affect the type of funeral you decide to go for also.

You might have to make some hard decisions if there’s not enough money in the estate to cover all of their wishes. For example, arrange a cremation ceremony instead of a burial if they expressed strong views about this.

Using a funeral director

Many families will use a funeral director to arrange a funeral. This can help to take away some of the stress involved in the process.

Before you choose a funeral director, try to compare quotes from several different ones to make sure you’re not paying too much. Choose one from either The National Association of Funeral Directors or The Society of Allied and Independent Funeral Directors.

Funeral directors involved with these associations must operate under a code of practice and have a complaints procedure in place. You shouldn’t be pressured to spend more than you can as a result. Although you might not feel up to it at the time, you should complain later if you feel as though this happened.

The cost of a funeral director service can be on average around £1,800. This will cover the cost of storing a body, providing a coffin, as well as staff and a hearse for the day of the funeral. In most cases, it won’t cover the cost of a burial, cremation, doctors and ministers or celebrant services. These can be around £1,600.

Compare quotes for additional services like florists or caterers. If you’re looking to save, you could make some of the floral arrangements or food yourself or ask family members or friends to help you.

Remember though, you don’t need a funeral director to arrange a funeral and can do it yourself. For more information on this, visit the Natural Death Centre website.

Need help covering the cost of a funeral? If you’re on low income and receive certain benefits you could get help through Funeral Payments. For more information on how to cope with funeral costs, check out our blog.

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