How to save money on a funeral

Top tips to reduce funeral costs

1. Understand the real price tag

   • The average “basic” funeral hit £4,285 in 2024 (SunLife Cost of Dying report).
   • MoneyHelper shows extras like flowers, venue hire and probate can push totals to £3,953–£9,000+.
   • Costs vary, so question every item—don’t assume a standard “package” is necessary.

2. Talk early, plan early

   Starting the conversation early allows time to compare options. Our Planning for the End of Life guide can help you discuss funeral wishes and end-of-life care in advance.

3. Compare funeral directors (the law is now on your side)

   Since 2021, all UK funeral directors must publish a standardised price list. Use it to:

   1. Call at least three firms and ask for their CMA Standardised Price List.
   2. Compare like-for-like costs for coffin, cremation, doctor’s fee and celebrant.
   3. Challenge upsells that you don’t need.

   Families who shop around can save hundreds of pounds. See gov.uk

4. Consider alternatives to a full-service funeral

   Lower-cost option	Typical saving vs. UK average*	Internal guide
   Direct cremation (no service, ashes returned)	£2,000–£3,000	Arranging a Funeral
   Weekday attended cremation	£250+	Attended Cremation
   Eco-friendly burial (natural coffin, no embalming)	£500–£1,000	Eco-Friendly Funerals

5. Strip out “nice-to-haves”

   • Coffin: A simple veneer or cardboard coffin costs £300–£500 vs. £1,200+ for hardwood.
   • Transport: Use family cars or one hearse instead of limousines.
   • Flowers & orders of service: Guests can bring a single stem; print orders at home.
   • Venue & catering: Hold celebrations in community halls or at home. See What to Do When Someone Dies.

6. Lock in today’s prices with care

   Pre-paid funeral plans let you:

   • Freeze key service costs at current prices
   • Avoid future inflation
   • Ease financial pressure for loved ones

   More info: How Does a Pre-paid Funeral Plan Work?

   With Grace Direct Cremation Plan – from £1,440
   Direct Cremation Funeral Plan includes:

   • Collection and care of the deceased
   • Cremation fees
   • A simple, respectful coffin
   • Return or scattering of ashes
   • 24/7 support

   Ideal for those preferring a private or later memorial.

   Why choose a With Grace plan?

   • FCA-regulated: Funds held securely in trust.
   • Transparent pricing: No hidden fees.
   • Flexible payments: Pay upfront or monthly.
   • Compassionate support: Trusted, family-run team.

   Our plans keep things simple and personal, offering peace of mind and financial protection.

   Ring-fenced savings:
   Alternatively, keep money in an instant-access “Funeral Fund” savings account. Banks may release funds directly to funeral directors upon invoice.

7. Check for government and charitable help

   If you receive certain benefits, you may qualify for the Funeral Expenses Payment (up to £1,000). Learn more at gov.uk.

   Also see our Funeral Support and Financial Aid guide for grants from veterans’ charities, unions and more.

8. Keep paperwork up to date

   Staying organised saves time, money and stress. See:

   • Getting Financial Affairs in Order
   • Your Will
   • Powers of Attorney

   Clear instructions and a valid will help avoid costly delays and ensure your wishes are respected.

Final thought

Saving money on a funeral isn’t about cutting corners—it’s about meaningful choices. With thoughtful planning, families can reduce costs while still creating a respectful, personal farewell. For help, call us on 0800 098 5937.