Across our web site we endeavour to answer all of your questions. This dedicated FAQ section should cover the most commonly asked questions, in a simple and concise way.
What is a Pre-Paid Funeral Plan?
Paying for your funeral in advance has many advantages.
- Peace of mind that your family won’t have to find the funds to pay for the funeral and the stress of dealing with all the arrangements at a time when they are grieving.
- Financially, it makes a great deal of sense to secure the price of your funeral at today’s prices as the cost of are rising far greater than current inflation and have done so for the past 15 years.
- Control of how you would like your funeral arrangements carried out.
The peace of mind clients get when they’ve finalised their funeral arrangements is remarkable. Those responsible for paying for and arranging a funeral when someone close to them dies often feel an enormous sense of relief when the discover their loved one had the foresight to take out a prepaid funeral plan.
A funeral plan is a must whether it is simply a document expressing your wishes upon your death or a prepaid funeral plan which deals with all the arrangements, payments and carries out your wishes when death occurs. It is essential you do whatever possible to make your wishes clear and minimalise any expenses or stress for your family.
Why take out a Wren & Fraser Funeral Plan?
Over the last 2 decades, funeral costs have risen in excess of the annual rate of inflation. A funeral plan is a means by which people can protect their loved ones against rising funeral costs and help eliminate any uncertainty or indecision regarding what a person’s preferred arrangements should include.
Is Wren & Fraser One Plan fully guaranteed (there won’t ever be anything extra for loved ones to pay)?
Whilst Wren & Fraser guarantee there won’t ever be anything extra to pay towards the funeral director’s fees and services, when the Plan holder dies there may be additional costs to pay towards disbursements (also called 3rd party fees).
One Plan provides an industry highest protection by giving a £1,600 contribution towards all 3rd party fees. These include the cremation fee (or interment fee, if burial), the doctor’s fee, minister’s/celebrant’s fee for the service at the crematorium (or at the graveside, if burial), order of service printing and a £300 contribution towards catering / drinks after the funeral.
When the Plan holder dies, if the allowance (plus CPI interest uplift), is insufficient to cover the cost of those elements, then the family/plan holder’s representatives may be required to pay any shortfall before the funeral can take place.
How does a Wren & Fraser Funeral Plan work?
Wren & Fraser work on the same basis as most other plan providers, in that the money a customer pays for their plan is invested in a ring-fenced trust fund. In the case of Wren & Fraser, this is administered by Guardian Professional Trustees Limited. The investment of the trust fund is managed by a top UK based fund managers.
Through the investment of the Trust Fund, the monies grow in value over the course of the Plan holder’s lifetime. Then when the Plan holder passes away, monies (+CPI uplift) are released from the Trust Fund and paid to a local, reputable funeral director who then carries out the funeral in accordance with the instructions contained in the plan.
What happens once I’ve applied?
When your plan is accepted, you’ll receive a welcome pack including a summary of plan information and, once your plan is fully paid, a certificate containing your plan number (with a spare certificate to give to your next of kin).
What happens to Plan holders’ monies if Wren & Fraser goes out of business?
Because the trust fund is entirely independent of the company, in the highly unlikely event that Wren & Fraser should go into liquidation or cease trading for any reason, because the Trust Fund is not an asset of the company and because the Plan holders are the primary beneficiaries of the Trust Fund our Plan holders’ investments would remain secure and ring-fenced specifically for providing the funeral they have bought and paid for.
Can I buy a plan for someone else?
Yes. You must make us aware of this at the time of your application and we will ensure all the relevant information and paperwork is correct before the plan is paid for.
What are disbursements or 3rd party charges?
Disbursements (otherwise known as 3rd party charges) are cost elements of a funeral that are outside of the funeral plan provider’s/funeral director’s control. Our Plan includes an allowance of £1,600 to cover the following disbursements specifically:
- Cremation fee (or interment* fee, if burial)
- Doctor’s fee
- Minister’s/Celebrant’s fee for committal service at crematorium (or graveside, if burial)
- Order of service printing
- Contribution of £300 towards catering / drinks after the funeral
*Interment means digging or opening of a grave
Currently, the national average for 1 – 4 above is around £1000, meaning the £1,600 allowance is more than adequate to cover them at the present time. If, at the time of the Plan holder’s death, the disbursements allowance is insufficient to cover the cost of the above, then there will be a balance for the family or estate to pay.
Can a plan be transferred from one person to another?
Yes. Our One Funeral Plan can be transferred into the name of an alternative family person. To do so, the plan purchaser needs to contact Wren and Fraser direct. We will then make the necessary alteration.
Note: OnePlan can only be transferred within a family to either of the married/cohabiting couple and then down the line to their children.
Do Wren & Fraser customers have to pass a medical?
No. Unlike with many insurance products, customers purchasing a Wren & Fraser OnePlan are not required to pass any medical tests.
Are there any age restrictions?
Though the person buying the plan must be over 18 years of age there is no upper age limit in terms of how old a Plan holder should be if purchasing OnePlan on a cash basis . If the customer wishes to pay on a finance plan however then the finance company terms and conditions will apply.
If a customer moves to a new house in another part of the UK, will it affect their funeral plan in any way?
Provided the customer is moving to a new location within the UK, then their funeral plan will not be affected, though a different funeral director may be used.
Can I choose my own funeral director?
If you have a preferred funeral director, let us know when you apply. If you don’t, we can appoint a funeral director near to you from our huge range of local funeral directors. We will make every effort to allocate your plan to your selected funeral director. If this is not possible we will contact you to advise you of this and discuss an alternative choice.
Can I make changes to my plan?
Our OnePlan is tailor-made to each client’s individual wishes but if you have a specific request such as a horse & carriage or other more elaborate requirement, Wren & Fraser can arrange this. However additional costs will apply.
Does Wren & Fraser OnePlan cater for burial, or just cremation?
Wren & Fraser OnePlan covers cremation or burial, although the customer will need to purchase a burial plot themselves directly from whomever owns the cemetery at where they wish to be buried.
What if I move abroad to a country outside of the UK?
Wren & Fraser OnePlan cannot be assigned to any funeral director outside of the UK. So unless the funeral is to be held in the UK, you would need to transfer the benefit of the funeral plan to an alternative family member for the benefits to continue.
What happens if a Plan holder dies away from home, but within the UK?
Regardless of wherever in the UK the Plan holder is when they die, Wren & Fraser OnePlan will arrange for the deceased to be collected and taken to a chapel of rest that is local to wherever the funeral is to take place. However, any transport costs over 20 miles will be charged at whatever the funeral director’s standard charge for mileage happens to be at that time (this additional charge would be payable by the Plan holder’s representatives, directly to the funeral director).
Note: Mileage measurement is taken from the collection vehicle’s odometer, and is measured between the funeral home from which the funeral is to be conducted and the collection location.
What happens if a Plan holder dies away from home, but outside of the UK?
Firstly, it is important to note that, as standard, Wren & Fraser OnePlan make no provision for repatriation (the process of bringing a deceased person back to the UK). If a Plan holder dies while outside of the UK, then their travel insurance should cover the cost of repatriation. Then, once back in the UK, Wren & Fraser OnePlan would arrange for the deceased to be collected from the airport and taken to a chapel of rest local to wherever the funeral is to take place.
Note: If a Plan holder dies while outside of the UK, and the family/representatives wish for the funeral to take place abroad, then the exact same sum of monies would be released from the trust fund and paid to the funeral director overseas that would be released were the funeral to take place in the UK. However, in the case of an overseas funeral, the Wren & Fraser OnePlan would not be liable for any additional monies required by the funeral director for his/her fees and services.