Fixed (Essential) Costs

These cover the core services provided by the funeral director:

• Collection and care of the deceased
• Professional fees (arranging paperwork, liaising with crematorium or cemetery)
• Use of the hearse
• A basic coffin

Additional (Optional) Costs

These are the extras that can personalise the service:

• Flowers
• Order of service printing
• Limousines for family members
• Venue hire or catering
• Cremation or burial fees
• Obituary notices

These additional costs can quickly add up. Planning ahead or requesting a written quotation can help you stay within your budget and avoid surprises later.

Key Questions to Ask a Funeral Director

When comparing funeral directors, consider asking these important questions to help you find the right fit for your family.

• Can I View the Deceased?
  • If you wish to spend time with your loved one, ask if you’ll be able to visit them in a private chapel of rest. Some funeral homes have limited facilities, so it’s best to confirm availability early on.

• Will the Deceased Be Kept on the Premises?
  • Many people assume their loved one will remain at the funeral home they visit, but that’s not always the case. Some non-independent or corporate funeral directors move the deceased to a central mortuary, sometimes far from your local area. If this matters to you, ask directly where the person will be cared for.
    
• Can I Help Dress the Deceased?
  • For some families, helping to dress their loved one or place personal items in the coffin is a deeply meaningful act. Check whether your funeral director allows this and how it can be arranged respectfully.
    
• Can I Source My Own Flowers or Suppliers?
  • Funeral directors often recommend florists, celebrants, or printers — sometimes receiving a commission from those suppliers. You are under no obligation to use their recommendations. If you’d like to support local businesses or handle arrangements yourself, a transparent funeral director will respect your wishes.

Independent vs Corporate Funeral Directors

There are two main types of funeral providers in the UK: independent funeral directors and large corporate chains.

• Independent funeral directors are often family-run, community-focused, and offer a more personal and flexible service.
• Corporate funeral directors may have greater resources and lower costs, but can sometimes lack transparency about where the deceased is cared for or how pricing works.

Always ask who owns the business and whether your loved one will remain at that location. Independent funeral directors often take pride in caring for people locally from start to finish.

Why It Helps to Plan a Funeral in Advance

Many people only consider funeral arrangements when they are urgently needed — but planning in advance can make a huge difference.

Even simple steps, such as noting your preferences or discussing them with family, can:

• Ensure your wishes are clearly known
• Give loved ones confidence when making decisions
• Prevent overspending during an emotional time
• Allow you to compare funeral directors and prices calmly

Planning ahead doesn’t have to be morbid — it’s about ensuring your funeral reflects your life, your values, and your budget.