The Average Funeral Cost in the UK
It’s always a difficult time when a family member or close friend passes away, and it’s natural to want to give them the best send-off possible.
But the average cost of a funeral in the UK is expensive, there’s no two ways around it.
Many factors determine how much you’ll pay when arranging a loved one’s funeral, including where you live, the type of funeral (a burial or cremation), and various other special requests such as a specific venue, flowers, burial plots, and so on.
It can be difficult to find the right balance between an affordable funeral and the best celebration of someone’s life. Here, we break down the average funeral cost in the UK, how the costs add up, and the various ways you could get help with paying for it.
How much does a funeral cost?
The cost of a funeral depends on many factors and is determined largely by the location of the funeral, the size of the funeral, any special requests, and certain fees associated.
But how much is a funeral going to cost the average person? The average cost of a funeral in the UK is £4,417 according to recent research done by SunLife, with the average cost of a burial being £4,975 and the average cost of a cremation slightly less at £3,858.
The research, done in 2020, estimates that the cost of a funeral could cost an average of £5,285 by the time we reach 2024.
You could end up paying less or more depending on your location and requirements, but that is roughly how much the average funeral costs in the UK.
Where in the UK you want your funeral to take place does unfortunately have an impact on its cost, for example, the average cost of a simple cremation in London is around £3,200, while it is considerably lower at approximately £2,800 in Belfast. The difference in the average cost of a burial is even more significant, with Londoners paying around £6,750 for a burial, while those in Belfast are billed around £3,050.
According to the Money Advice Service, London is the most expensive place in the UK to have a funeral, on average, and Belfast is the most affordable, so the above examples show both ends of the spectrum.
You can’t really help where you live, of course, but there are some other factors that you can change to reduce the cost of a funeral in the UK.
How much is a basic funeral?
The basic funeral cost – for those with no special requests – can be significantly less than the average.
If you’re financially limited and the deceased didn’t have a trust or hadn’t designated any money towards the funeral, there are ways of getting the cost below the £4,000 mark. You will have to sacrifice certain elements though, and you might have to consider things like having cheaper flowers, a smaller location and so on.
It’s still possible to have a sentimental, thoughtful and memorable funeral without expensive decorations, flowers, and a grand venue.
What is the cheapest way to have a funeral? Well, there’s no real way to make a funeral ‘cheap’, as such, but you can make it more affordable by having as basic a ceremony as possible.
Very few funerals are going to be ‘cheap’ because the costs are always going to add up, but it can be extortionate if you aren’t careful with the budget. It can be easy to get carried away with the desire to give your loved one the best send-off possible, but it’s important to avoid overspending.
A breakdown of funeral costs
So, why are funerals so expensive in the UK? It becomes clearer when you break down the factors that contribute to the overall cost of a funeral, as there is so much that needs covering and, as they say, you get what you pay for.
Each occasion will differ, but funeral fees and the overall cost will often include funeral director fees, transportation costs, costs of the service, flowers and catering for guests at the wake, and burial or cremation costs.
While the wishes of the deceased within their will usually determine whether they are cremated or buried, the cost of both can differ quite considerably. If you or a loved one isn’t adamant that they want to be buried, it’s worth considering the fact that cremations can cost a significant amount less.
List of burial costs
As you might’ve noticed from our earlier comparison of average costs, burials are more expensive than cremations, on average. Despite being the more traditional method, the cost of burials will only increase as more people continue to opt for cremations, as less services will become available.
The costs associated with a burial naturally differ slightly to those of a cremation, and they often include:
- Fees to cover the minister or officiant conducting the service
- The burial plot, or exclusive right of burial (EROB) and the interment
- Fees regarding the headstone
- Burial plot maintenance and monument fees (and insurance if required)
- Fees to cover the place of worship (including churches, chapels etc.)
- Memorial costs
Burial fees themselves cost £1,960 on average in the UK, which is an expensive element alone, without taking the price of the above into consideration as well.
SunLife's 2020 research shows that the average cost of a burial is now £4,975.
How much is a coffin in the UK?
The cost of a coffin is usually covered by the funeral director fees, as are many other parts of a funeral, which is why funeral directors can seem so expensive.
Coffins can cost as little as £100 but can also reach £10,000 for the most expensive ones, but it really depends on your budget and the type of coffin or casket opted for.
While we all want the best send-off for our loved ones, it’s important to remember that there will often be a budget, whether it’s what the individual has left behind, or what the family members can afford to pay themselves.
This cost, of course, does not apply to those who wish to be cremated, which is part of the reason why it is often the more affordable option to many people in the UK.
How much does a cremation cost in the UK?
The cost of a cremation depends on various factors, as listed below, but they are typically less expensive than burials.
Cremation fees are just £159 on average in the UK, which is far more affordable than the £1,960 you’d pay in burial fees.
The cremation as a whole costs an average of £3,858 in the UK, which is over a thousand pounds cheaper than the equivalent burial.
In addition to cremation fees, the other costs associated include local cremation costs, doctor fees (for cremation certificates and documents), fees for the minister or officiant to conduct the service, scattering ashes in the Garden of Remembrance, internment of ashes (the equivalent of a burial plot to keep the ashes in a permanent location), and memorial costs.
There are some mutual fees, but as a whole, the average cost of a cremation is more affordable than that of a burial in the UK.
Funeral director fees
Funeral director fees usually make up most of the cost of a funeral because they often include many different elements within their price.
It can differ with each company and depends on which package you opt for, but the fee usually covers most of the following:
- - Liaising before and after the funeral
- - Mortuary facilities
- - Preparing the deceased for the funeral service
- - Chapel of rest facilities
- - Making sure legalities are dealt with (documents and so on)
- - Providing a coffin or casket
- - Hearse and drivers
- - Wreaths
Optional funeral costs
Optional funeral costs usually cover special requests and any additional features that are added to a basic funeral.
They are costs that you don’t necessarily need, but might want. For example, catering, limousine hire, flowers, order sheets and service cards.
But remember that some of these costs could even be included within the price of some funeral directors, so be sure to check the content of their available packages first.
How much is the cheapest funeral?
Funeral prices start from around £1,000 with ‘direct cremation’, where the body is cremated without a funeral service beforehand. The average cost of a direct cremation is £1,626 in the UK according to SunLife.
Although it may not be the most extravagant celebration of a person’s life, a direct cremation is the most affordable option available at the moment and therefore the cheapest way to have a funeral in the UK.
But before you opt for a direct cremation, it’s worth considering whether you could get any sort of financial help from insurance or even the government.
Need help paying for a funeral? Reach out to the government
It can be difficult to pay for a funeral if your loved one passed away suddenly without any plans in place and without a trust fund or insurance policy to provide the budget, but there are ways to get a more affordable service.
If you have the time, you could arrange the funeral yourself, without paying in-full for a funeral director.
There’s also a way to get funding from the government towards a loved one’s funeral, but you must meet a specific criteria to qualify for the “social fund”.
If you do turn out to be eligible, the “social fund” will contribute towards burial fees, cremation fees (and the doctor’s certificate), travel to attend or arrange the funeral, the cost of death certificates and other official documents, fees associated with moving the body (in the UK alone), and funeral director’s fees, flowers or the coffin, but only up to £700 worth.
There's certainly no shame in reaching out to the government for help, after all, the help is there for a reason. Don't hesitate to get in touch with the relevant authorities and find out whether you're entitled to a social fund or any sort of financial assistance.
Hopefully, Compare UK Quotes has given you a good insight into the average funeral cost in the UK and the level of organisation needed to give your loved one the send-off they, and you, intended.