Planning for your funeral might not be something you want to think about, but it's one of the most considerate things you can do for your loved ones. In 2026, the average cost of a funeral in the UK is £4,700 — and prices continue to rise year on year.
There are two main types of funeral: burial and cremation. Cremation is now the more popular choice, accounting for approximately 78% of funerals in England and Wales. A basic cremation costs around £3,800, while a burial funeral averages £5,200.
Pre-paid funeral plans allow you to pay for your funeral at today's prices, protecting your family from future cost increases. The plan is set up during your lifetime and pays out when the time comes, covering the funeral director's services and other agreed costs.
Since 2022, pre-paid funeral plans have been regulated by the Financial Conduct Authority (FCA), giving consumers greater protection. In 2026, only FCA-authorised providers can sell funeral plans, ensuring higher standards and financial security.
Your Will can include your funeral wishes, but it's important to note that Wills are often not read until after the funeral. We recommend keeping your funeral wishes in a separate document that your family can access immediately.
At Castle Family Legal, we can guide you through funeral planning options and recommend trusted, FCA-regulated providers. We'll also ensure your wishes are properly documented alongside your Will.
