Test Funeral Plans - Can't afford payments

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  • Generally speaking, if you can’t afford instalment payments you should contact your plan provider as soon as possible. They should work with you to find a workable solution. If you can’t find a solution, you can always consider cancelling the plan. You will normally be refunded any money you’ve been paid less a cancellation fee. 
  • Be aware that if you miss a due payment by more than 60 days, your plan may lapse!
  • This means that if the plan holder dies and a funeral goes ahead, it may be charged at market rate and if it is an instalment plan those instalments will go towards the costs but if it is an insurance plan you won’t get any payments back and you’ll have no contribution towards your funeral at all. 
  • If your instalment plan has lapsed because of a missed instalment, it can be reinstated by bringing payments up to date (taking inflation into account).
  • If you have an insurance plan and you miss payments that you fail to make up within an agreed period (normally 30-60 days), you can’t start making payments again, or make up missed payments. Your plan will be cancelled. You won’t get any payments back and you’ll have no contribution towards your funeral at all.
You should know

How long should I wait for a response?

You should generally expect a response within 7 working days of a funeral plan provider receiving your complaint. If you don’t receive a response within this timeframe, send a follow-up message via Resolver!

How can I take things further? 

Not all funeral plan providers are regulated! Double-check that your funeral plan provider is signed up to the Funeral Planning Authority (FPA).

If your funeral plan provider is FPA registered, you can escalate your case to the FPA who will try and help you resolve your complaint. The FPA also has an independent conciliation and arbitration service if your complaint cannot be resolved.

The Funeral Planning Authority (FPA)

The funeral plan market is served by the Funeral Planning Authority (FPA). The FPA is an opt-in organisation that regulates the funeral planning providers who sign up to its service with a stringent code of conduct. 

Generally speaking, you should always check to see that your funeral plan provider is an FPA approved business. 

You should expect FPA-registered organisations to stick to their code of conduct – and if they don’t, you can take the matter to the FPA. 

Unfortunately, companies who haven’t signed up to the FPA are unregulated. This is an issue that has been recognised by the industry – and as of 2019 HMT have proposed that funeral plans should be regulated by the Financial Conduct Authority (FCA) or other statutory regulator, subsequent to a consultation.

Resolver’s rights guides are largely drawn from the FPA’s code of conduct. We believe the code sets a minimum level of expectation that all funeral plan providers and funeral directors should aim to live up to. Be aware that you won't be able to escalate your case to the FPA if your funeral plan provider isn’t registered with them. Be warned that organisations who aren’t FPA registered might not live up to expectations and aren’t bound to any particular code of conduct!

We highly recommend that you check that your plan provider or director is FPA registered before buying a plan.

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