Terms of business.
FUNERAL COSTS EXPLAINED
We are always here to help you at your time of need. We will talk everything through with you in full and offer a free
consultation with no obligation for both funerals and our funeral plans.
FUNERAL DIRECTOR FEES AND 3RD PARTY CHARGES
Funeral costs are split into 2 parts, Funeral Director fees and 3rd Party fees. These are charges that we pay on your
behalf. During the funeral arrangement, we will talk to you about the choices you have and advise you of each of
the fees that will be payable for the different options. Your estimate and invoice will be itemised and will show a
breakdown of each of the charges that will apply. Our price lists are included within this pack for your information.
Examples of Funeral Director fees include moving your loved one to our chapel of rest, a hearse, your choice of
coffin, the care of your loved one, our fees for arranging and conducting the funeral and any limousines you choose
to use. Examples of 3rd Party fees include Doctor’s fees, Cremation fees, Cemetery fees, Minister’s fees, Newspaper
Notices, Flowers, Organist fees.
PAYMENTS PRIOR TO THE FUNERAL
Prior to the funeral taking place, we will ask for you to pay the third-party charges. This will be the amount shown on
your estimate. For our simple funeral, we require payment of the full amount shown on the estimate, prior to the
funeral taking place.
LIABILITY FOR PAYMENT
Our estimate will be supplied alongside a copy of our terms and conditions. By signing the estimate, you are
authorising us to conduct the funeral, accepting our terms and conditions, and confirming that you will be
responsible for paying the funeral account.
HELP WITH FUNERAL COSTS
In some instances, the Department for Work and Pensions may provide assistance towards meeting the cost of a
funeral, but this depends on several factors, including your relationship to the deceased, whether you are the
nearest surviving relative of the deceased and whether you are in receipt of qualifying benefits. You must submit a
claim to the D.W.P. for assistance with funeral costs, and if you are successful, the maximum amount they will pay is
£1,000 towards Funeral Director’s Fees, and the allowable Third-Party Fees for burial or cremation. Please note that
if your claim to the D.W.P. is unsuccessful, you will still be liable for the full value of the funeral invoice. Please let us
know if you will be applying for assistance at the time of making the funeral arrangements.
PASSING THE ACCOUNT TO A THIRD PARTY FOR PAYMENT
It is sometimes the case that a solicitor or insurance company will pay our invoice directly. Please advise us if you are
planning to pass the invoice onto a third party for payment.
FUNERAL PLAN REDEMPTION
It is important to check whether the person who has passed away had a funeral plan in place. If there is a plan in
place, we will talk you through what will be covered by the plan and where there may be additional fees to pay. We
will provide an estimate of any additional costs to you, and you, as our client will be liable for these costs.
SETTLEMENT OF ACCOUNT
We will prepare the final funeral account up to 7 days after the funeral has taken place. We will show the value of the
payments made prior to the funeral, and the balance of the account will be due within 14 days of the date of this
LATE PAYMENT CHARGES
If an invoice remains outstanding after 56 days, we reserve the right to charge interest at a rate of 8% per annum.
Should we refer an invoice to a debt recovery agency, you, as our client will be responsible for these costs.