FAQ

Frequently Asked Questions

Can I choose a local funeral director?

Yes, you’re welcome to nominate a funeral director of your
choosing if you have a preference. Most of our customers
allow us to choose a reputable local firm on their behalf.
You can also change the firm you wish to use, but once the
plan holder has died, changes are no longer possible.

What happens if I die before I’ve finished my monthly payments?

The unpaid balance would need to be paid by your next of
kin before the funeral can go ahead. If they are unable to
pay the balance, dedicated funeral loans are available from
specialist lenders.

Why isn’t the disbursement allowance guaranteed to cover all costs?

We provide a generous allowance that covers the major third-party fees today and will grow in line with the consumer price index. And while we’re confident it will be sufficient, it’s impossible to predict the future with 100% certainty.

Can I transfer my plan to someone else?

You’re welcome to use your plan for someone else instead –
for example, if a family member or friend predeceases you.
There’s no admin fee to pay for such a transfer.

What happens if I die abroad?

Repatriation costs aren’t included as standard. However, this is certainly something we can arrange for you in addition to your plan. Otherwise, we recommend checking that your travel or health insurance policy covers repatriation costs.
Once the body arrives at a UK airport, the plan would cover
transport to the funeral director’s premises. As with a death in the UK, there may be an extra charge if the collection distance exceeds 25 miles.

What if I change address?

Simply inform us of your change of address and we’ll update our records. We don’t charge an admin fee for this.

What if I move to a different part of the country?

Let us know and we’ll update our records. We may also need to change the nominated funeral director.

Do I have to pass a medical test?

No, a funeral plan is not like an insurance product. Our funeral plans do not require you to take any medical tests.

What happens if my funeral director isn’taround by the time I die?

If the funeral director goes out of business at any stage,
we’ll get in touch with a view to changing to another reputable local firm.

Why does it cost more to pay in instalments?

It takes time for us to process every payment made by our
customers. If the payments are made over two years or
more, we pass on a small processing charge to cover our
admin costs.

How do I know that my money is safe?

Rest assured that your money is paid safely into the
Maplebrook Funeral Plans Trust Fund, where, in line with
current legislation, it is kept securely for the purpose of
future growth, and covering the rising cost of your funeral.

Is an urn included in the basic price?

No, the cost of a funeral urn is an optional extra, as are flowers.

Does it cost extra to specify a preferred
dress code and favourite flowers?

No – these are all simply instructions that we will pass on
when the time comes. You can treat your funeral plan as a
blank sheet of paper, specifying wishes such as particular
eulogies, music and charitable donations.

What if I don’t have a burial plot?

If you wish to purchase one now, we can assist with finding
a price for you, which can be added to the cost of your plan.

Can I have a church service?

Yes, however the cost is not included in a basic plan. This can be included in the plan as an optional extra or, we can find out what the current cost is at the time of your passing. Your family would then need to pay the prevailing rate.

Do you cater for all religions?

Yes. We act as an intermediary that passes on funds and
instructions to a funeral director. When the time comes,
we’ll pass on the details of the religious ceremony you
specify to an appropriate funeral director.