Direct cremation funeral plans: what they are and how they work

A direct cremation is simply a cremation without a service at the crematorium. Direct cremations are sometimes described as a ‘no-fuss’ funeral, or a modern alternative to a traditional funeral. They’re also known as ‘unattended cremations’ or ‘unattended funerals’. 

As there isn’t a service at the crematorium, a direct cremation gives families the freedom to plan a more personal goodbye, should they wish to. For example, some families choose to arrange a memorial, a celebration of life party or a simple gathering to scatter the ashes. Others prefer to keep it simple, with a quiet day of reflection at home. 

This straightforward option appeals to many people because it’s:

• More affordable: Without the added costs of a service or burial, direct cremation is typically the most budget-friendly choice.

• Flexible: Families can honor their loved one in their own way and in their own time, without the constraints of a traditional service at the crematorium.

• Simple: There are no complicated decisions for grieving families. The process is handled respectfully, providing peace of mind for everyone involved.

A direct cremation funeral plan is a way of planning and paying for a funeral in advance, either in one go or in monthly installments, at today’s prices. By paying for the service upfront, you can avoid the impact of rising funeral costs and relieve your family of the financial responsibility when the time comes.

These plans are specifically designed to cover the essential elements of a direct cremation, which typically include:

• Collecting the person who has died and transporting them to the crematorium.

• Professional care and preparation for cremation.

• The cremation itself, including fees for the crematorium and completing the paperwork

• Return of the ashes in a simple container or urn.

Other services, for example, urgent collection and hand delivery of the ashes, are included in the Farewill Funerals plan, although some providers may charge an additional fee.

Funeral plans are designed to be simple and straightforward for your loved ones. Here’s a quick step-by-step guide to how a direct cremation funeral plan works:

1. Choose a provider: You should start by researching reputable funeral plan providers who specialise in direct cremations. Compare costs and, if you can, read customer reviews to find a provider that sounds like the right fit. Don’t be afraid to talk to a few different providers. It’s natural to have questions and it's important that you feel confident when you make a choice. 

2. Set up the plan: Once you’ve selected a provider, they’ll talk you through all the details including their terms and conditions. Most plans allow for flexible payment options, such as a one-time payment or monthly instalments. Certain providers like Farewill Funerals also enable you to buy your funeral plan online.

3. Lock in your costs: By prepaying for the funeral plan, you’ll lock-in today’s prices, protecting your family from future price increases.

4. Tell your loved ones: It’s important that your loved ones know about your plan. Your provider will send you a document with the details. It could be useful to keep this with your will and tell your loved ones where they can find it.

5. Peace of mind: Once your plan is in place, your funeral plan provider will handle everything when the time comes. The person who is responsible for arranging your funeral only needs to contact the provider, who will take care of all the arrangements according to your plan.

The type of funeral plan you choose is a very personal decision. So it’s important to explore all the options in your own time. These are some of the reasons why people choose a prepaid funeral plan for a direct cremation.

• Cost savings: Funerals can be expensive, and according to insurance provider Sun Life, prices are expected to rise. A prepaid plan locks in costs and protects against unexpected expenses.

• Less stress for loved ones: Losing a loved one is already difficult. A funeral plan spares your family from the emotional burden of deciding what you would have wanted and the financial strain of arranging and paying for it.

• Clarity and control: By setting up a plan, you can ensure your wishes are carried out exactly as you’d like. You know that your loved ones won’t feel obliged to spend more than they need or can afford.

• Affordability: Direct cremation funeral plans are one of the more economical options, compared to traditional burials or cremations.

Some providers enable you to buy a direct cremation plan online, or you may prefer to speak to someone on the phone, or in person. 

1. Research your options: Compare plans and providers to ensure you’re getting the best value and the right service.

2. Talk it through: Share your ideas and thoughts with loved ones so they understand your wishes and why you’ve chosen a direct cremation.

3. Make it official: Once you’ve selected and paid for your plan, check the documents to make sure everything is accurate and complete. Then store the documents in a safe place and tell your loved ones how to access them.

By planning ahead, you’re taking a thoughtful and practical step to protect your loved ones and secure your peace of mind. It’s a simple way to ensure that your final wishes are honoured without placing a financial burden on those you care about most.