The funeral can usually only take place after the death is registered. Most people use a funeral director, though you can arrange a funeral yourself.

Funeral directors

Choose a funeral director who’s a member of either:

• National Association of Funeral Directors
• The National Society of Allied and Independent Funeral Directors (SAIF)

These organisations have codes of practice – they must give you a price list when asked.

Some local councils run their own funeral services, for example for non-religious burials. The British Humanist Association and Institute of Civil Funerals can also help with non-religious funerals.

Arranging the funeral yourself

Contact the Cemeteries and Crematorium Department of your local council to arrange a funeral yourself.

Funeral costs

Funeral costs can include:

• funeral director fees
• things the funeral director pays for on your behalf (called ‘disbursements’ or ‘third-party costs’), for example crematorium or cemetery fees, or a newspaper announcement about the death
• local authority burial or cremation fees

Funeral directors may list all these costs in their quote.

Paying for a funeral

The funeral can be paid for:

• from a financial scheme the person had, for example a pre-paid funeral plan or insurance policy
• by you, or other family members or friends
• with money from the person’s estate (savings, for example) – getting access to this is called applying for a ‘grant of representation’ (sometimes called ‘applying for probate’)