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There are a number of companies that offer funeral plans; most funeral directors will offer the plan and provide the services themselves, but some insurance companies also offer this service.

Banks, insurance companies, building and friendly societies can sell funeral plans, and all these companies must be registered with the UK's financial services regulator.

But plan providers who use trusts and funeral directors do not need to be regulated by the Financial Services Authority (FSA). Because the plan providers are not regulated by the FSA, its complaints and compensation arrangements do not apply to funeral plans that use trust arrangements or insurance policies for your payments.

Plan providers can register with the Funeral Planning Authority (FPA) if they agree to meet its requirements. Registered providers will be subject to the FPA arrangements for resolving disputes between its registered providers and their customers.

Buying through a funeral director

You will probably know of a funeral director in your area that you could approach. You should find that most funeral directors sell plans offered by one of the registered providers but rogue companies offering plans that do not comply with regulation do still exist.

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