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Unattended Cremation Plan

£1,795

Equivalent price if these services were purchased today: £1,995

Unattended Funeral

Our Unattended Cremation Plan allows you to pay for an unattended cremation in advance and covers all the essential elements for a cremation to take place.

This includes selecting your preferred Nominated Funeral Director, our professional unattended Funeral Director Services, cremation fees payable to the crematorium of the Nominated Funeral Director’s choice, and if required doctor’s fees, to complete official documents if a coroner has not been involved. This type of plan may be suitable for those seeking simplicity or a no fuss farewell, where budgets may be limited, where families may be based overseas or faraway or if families wish to hold a celebration of their loved one on their own timeline.

Save £200 on all Choice Funeral Plans

We are offering £200 off all our funeral plans until 11th May 2025, so now could be the ideal time to buy your Choice Funeral Plan
Discount will be applied automatically, or use code 200OFF to claim your discount. Ts & Cs Apply

What's Included?
Funeral Directors Services
Selecting your Nominated Funeral Director from over 280 branches nationwide
Assisting with legal, administrative and funeral arrangements for the cremation to take place
Collection from the place of death or other location, restrictions apply
Care and preparation before the cremation in professional facilities
Religious washing, traditions and rituals can be accommodated if required
The option of family and friends to spend time with the Covered Individual in a private room at the Nominated Funeral Directors, at any time by appointment
A simple wood-effect veneered coffin
A non-ceremonial vehicle and funeral team to convey the Covered Individual to the crematorium of our choice
An online memorial tribute web page, including the ability to enable charitable donations
A suitable container for the ashes
Collection of the ashes from the Nominated Funeral Director or option of delivery for a charge
The option of the ashes to be scattered at the crematorium’s Garden of Remembrance
For an extra charge, professional embalming (a specialised treatment for the Covered Individual) can be added as part of the Funeral Director Services
£200 off any plan for a friend or family member when purchased at the same time or within 3 months of purchase
We offer support, before and after the funeral
We will provide you with a number to a helpline operated by a third party offering practical support to you and your family on matters such as probate, wills, legal issues and bereavement support
We can inform a friend or relative that your funeral plan is in place
Third Party Fees
Cremation fees (unattended cremation to take place on the date, the time and at the crematorium chosen exclusively by the Nominated Funeral Director.
Doctor’s fees (in Northern Ireland only, if required)
Additional Products & Services
You have the ability to make optional Voluntary Contributions towards other products & services, such as coffin sprays, keepsakes, a reception for friends and family or other personal requests to personalise the arrangements.

What’s not included?
The following are not included and cannot be added to our Unattended Cremation Plan:
To have family, friends or other mourners in attendance at the cremation is not permitted
The ability to specify the crematorium, date or time of when the cremation will take place
The option of ceremonial vehicles such as a hearse, limousine and ceremonial staff
A minister, celebrant or officiant as there will not be a service
Any upgrades or changes to the coffin

Compare all Plans

a couple in a garden, the smile happily at each other

More information on Voluntary Contributions

Additional Products & Services are not included in the Unattended Cremation Plan. However, Voluntary Contributions can be made towards these in advance. These funds are held with the plan and can be used towards these costs at the time the plan is Redeemed.

You can contribute as much or as little as you like now, with the option to add to the fund in the future
Please note, any prices quoted are not fixed and can go up or down in the future, and depending on the amount you contribute, there may be a shortfall at the time the plan is Redeemed, which would need to be paid for, based on the prices at that time
If you want to make a change to your plan, please contact us to discuss your options. Our friendly team will be able to discuss your ideas and provide costs and estimates to you

Other Additional Products & Services you may be considering could include flowers, obituary notices or other personal requests.

Flexible payment options

You can pay for the funeral plan in full by credit or debit card, bank transfer or cheque, or by monthly instalments over one to ten years. The cost of paying for the funeral plan over a 12 month term costs the same as it would paying in full. If paying over 12 months up to the maximum of 120 months, prices vary by age of the Covered Individual and there is an additional charge, which means you pay more than if you pay in full upfront. See our illustration of a monthly instalment plan.

Full payment for the funeral plan must be made before the Covered Individual reaches the age of 85
If the Covered Individual passes away within 24 months from the date of Activation, the funeral plan cannot be Redeemed unless the outstanding payments are made. If the Covered Individual passes away after 24 months, then no further payments will be required for the Funeral Director Services.
When you pay by instalments, you cannot make any financial amendments until the plan is fully paid. If the Unattended Cremation product no longer meets your needs, you may able to switch to another Choice Funeral Plan product. In order to switch, your funeral plan must be fully paid at the time of the switch. If the funeral plan is not fully paid, you may need to cancel the funeral plan and purchase a new funeral plan. Cancelling your funeral plan may result in the loss of any investment growth which may or may not have been accrued, and a new moratorium period may apply to your new funeral plan (if you choose to pay by instalments).

Representative example

Payment term	Cost up front	Monthly Instalment	Total Instalment Cost	Cost Difference
Pay Upfront	£1,795	N/A	N/A	N/A
1 Year	N/A	£149.59	£1,795	£0
2 Years	N/A	£79.14	£1,899.36	£104.36
3 Years	N/A	£54.82	£1,973.52	£178.52
4 Years	N/A	£42.97	£2,062.56	£267.56
5 Years	N/A	£35.46	£2,127.60	£332.60
10 Years	N/A	£22.38	£2,685.60	£890.60

Representative example: In relation to the costs for paying by instalments, the presented table is for illustrative purposes and assumes the Covered Individual is 73 years old at the point of purchase.

When paying by instalments, prices will vary based on the length of payment term and age of the Covered Individual. The longer the payment term is, the more you will pay for your plan. Your tailored quote will be calculated when you buy a plan online.

Your money is protected by the Financial Services Compensation scheme

Buy a Plan

APCL typically retains around £450 of the price you pay for each Funeral Plan to cover our costs.

Our insurer will provide us with commission on the monies which we invest with them (from 0% up to 8%). The commission we receive does not affect the price of your plan and the precise amount will be determined by your age at the time of purchasing, as well as the payment method you choose

* Equivalent price shown is a national average, based on based on 282 branches within the Funeral Partners Network (correct as of 1st January 2025) and excludes doctors fees.

What's included in your Choice Plan documentation?

When you take out a plan with Choice we will send you an Information Pack which will include

A covering welcome letter
Your Certificate of Entitlement
A letter confirming the total amount paid
Details of your Plan
Details of the Nominated Funeral Director

If you have chosen to pay by instalments you will also receive details of the amount to be paid each month and the date of your first direct debit payment

Terms and Conditions

A couple at a funeral home, speaking to an advisor about their funeral plan

Request a Choice Funeral Plan Brochure

You can request our brochure which includes details of our funeral plans and pricing. You can choose a downloadable PDF or to have it delivered by post. Our Choice Funeral Plan brochure is also available for delivery in large print and braille.

What's Included

A comprehensive easy to understand brochure to help you find the right Funeral Plan for you or your loved one
Our "Funeral Plan Summary" with all pricing explained
Large print or Braille if requested

Request your Free Brochure