What Is A Funeral Plan? 

A funeral plan is an easy way to arrange the funeral you
want in advance. A plan allows you to specify your wishes and pay for the
funeral director’s services included in your plan. As customers often tell us,
that can bring peace of mind to you and your family. A plan from Golden Charter
also includes an allowance towards third party costs. These are essential,
non-funeral director services such as the cremation or burial fees, plus the
minister or officiant’s fee to perform the service.  

At Zoe Turnbull Funeral Directors, we work in partnership with
Golden Charter to provide you with a simple way to plan ahead. As one of the UK’s
largest funeral plan providers*, Golden Charter has helped 900,000 people make
funeral provisions** so we’re completely confident in offering their plans to

Everyone has different needs when it comes to funeral
planning, so we make sure the plans we offer are as flexible as possible. When
you get in touch, we’ll be happy to discuss your funeral requirements and
tailor a plan to suit you. Rest assured a plan from Golden Charter is available
to all UK residents regardless of age or state of health.

*Based on a Golden Charter analysis and independent research
of the funeral plan market size as at January 2023.

**Correct at March 2023.


A plan to suit
your needs

As an independently owned funeral director, we’ll take the
time to understand your wishes and tailor a plan to suit you. We can discuss
these at our premises or in your home, at a time that is convenient for you. If
you’d prefer to discuss this over the phone or via email, we can assist with
this too. You can tell us about any preferences you have in mind – the type of
funeral you would like to have, hymns, music or any other personal touches –
and we’ll make sure your plan takes these into account.


What’s included in
a pre-paid funeral plan?

Our funeral director’s services will be covered in your
funeral plan, which means our fees will be fixed at today’s prices. These services
typically include:

Professional services and making arrangements
for the funeral

Transportation of the deceased from the place of
death to our premises, chapel of rest or other suitable location

Care of the deceased and preparations for family
viewing if requested

Advice on the certification and registration of
death and related documentation

Provision of funeral vehicles

Advice on bereavement counselling

Coffin or casket requested


Although a pre-paid funeral plan can cover all of the
services above, there are some additional third party costs to consider. These
are the costs for essential, non-funeral director services required to carry
out a cremation or burial which need to be paid at the time of the funeral.
These costs are outside our control. Depending on the plan type chosen, a Golden
Charter funeral plan can include a contribution towards some third party costs.
They may include:

Crematorium fee

Minister or officiant’s fee

Cemetery fee: the opening of a new or existing
grave for burial or interment of cremated remains

Other third party costs that may be associated with a
funeral include:

Purchase of grave or lair

Hire of church or other venue

Fees for organist or soloist

Memorial, such as a headstone, entry in a book
of remembrance, or the planting of a tree

Catering, floral tributes and newspaper

There will only be more to pay at the time of the funeral if
the third party costs exceed the allowance when you buy your plan, or if the
costs increase by more than the growth of your plan. Even if prices rise in the
future, once your plan is paid for, you’ll have the reassurance of knowing
there’ll be nothing more to pay for our services included in the plan –


Payment options to
suit you

With a Golden Charter funeral plan, you can pay for your
plan in several ways. Spread the cost or make a one-off payment – simply choose
the one that’s right for you. We will provide you with the information you need
to make an informed decision.

The retail price of your funeral plan is representative of
the equivalent cost of a funeral today plus an arrangement fee of £285 which is
retained by Golden Charter to help cover the costs of setting up your plan.

payments are held within the Golden Charter Trust. With £1.2 billion under
management,1 the Trust is operated by a Board of Trustees,
completely independent of Golden Charter. Their role is to hold your payments
and ensure that the funeral director services in your plan can be paid for at
the time they are required – however far into the future that may be. For more
information on how your payments are protected, please visit


Looking after you
as a customer

As a Golden Charter plan holder, you’ll receive personalised
plan documents, which include a summary of your plan, our details, your plan
holder certificate and a personal membership card for you to carry in your
purse or wallet. You can add a nominated representative to your plan if you
wish to do so. Your nominated representative will receive a letter which will
provide details of your plan and our details, as your chosen funeral director.
They will have no authority to make changes to your plan.

You’ll also receive a statement from Golden Charter every
three years which will be sent via your preferred contact method.

As your funeral director, we’ll hold full details of your
funeral plan. When the time comes, one phone call is all it takes to activate
your plan and get the arrangements underway.


Ready to take the
next step? Get in touch today

As well as the comfort of having a plan in place, you’ll
have the peace of mind that comes with being able to help save your family from
worry and expense in the future. So why not take the next step?

Turnbull Funeral Directors is an appointed representative of Golden Charter
Limited trading as Golden Charter Funeral Plans which is authorised and
regulated by the Financial Conduct Authority (FRN:965279).

in England No. 02511598 Registered Office: One Fleet Place, London EC4M 7WS.


1.       Confirmed by Golden Charter Trust’s
audited accounts at 31 March 2022.


For more information on Funeral Plans and Funeral Wishes, please contact our office on 01835 867189