Avalon Funeral Plans have applied for FCA regulation which comes into effect on the 29^th of July 2022.

If you have any questions or concerns about this process or your funeral plan, please contact us on 0161 486 2020 and a member of our team will be happy to help you.

Your plan guarantees the Funeral Director’s services at no extra cost to you or your next of kin, providing your plan is fully paid and the funeral is carried out by the Funeral Director allocated by Avalon. Your plan also includes an allowance towards the disbursements cost. The Funeral Director and the disbursements allowance are stated on your plan certificate. Your plan will also include any additional services you’ve selected and have made payment for or are making payments for.

If you purchased a plan with a Fixed Monthly Payment (insurance policy) your payments must be up to date and you must have had your plan for a minimum period of 2 years to use the plan.

Avalon’s range of funeral plans does not include additional services that you may have requested but have not or are not making payments for (such as funeral flowers, obituary notices, memorials or a wake).

For our Standard, Plus and Premium funeral plans, there is a disbursement allowance of £1,000 plus annual uplifts in Consumer Price Index (CPI). The funeral plan does not include disbursement costs above this allowance.

If you choose one of our funeral plans for burial, the plan does not include the purchase of a burial plot.

If you die outside the UK mainland or Northern Ireland, the plan does not include the cost of repatriation.

Our Cremation Only Plan does not include a service. It is a simple, unattended send-off without a service or mourners. The Cremation Only Plan includes the collection of the deceased in a suitable dignified vehicle from the place of death, the provision of a standard coffin, and all third-party costs covered.

We have three standard funeral plans (Standard, Plus and Premium) that vary in price depending on what kind of funeral you want and the features you require. We also offer a Build Your Own plan and the price will be dependent on the level of services and benefits you have selected. Please refer to our price list for further details.

You can pay in full with a single payment or by instalments. Instalment plans are available with a fixed term between 2 and 15 years with a 5.2% annual instalment charge. If you buy your plan over 12 months there is no instalment charge.

Yes, you can add items to our three set plans and Build Your Own plan for an extra cost, e.g. a church service. Our Cremation Only plan is a set price plan only available online and cannot be added to.

Funeral Director’s fees cover all the elements of the funeral that are provided by the Funeral Director directly. They include but are not limited to, the provision of Funeral Director services, supply of a coffin, and care, preparation and transport of the deceased.

We have an extensive UK-wide network of reputable Funeral Directors to fulfil the funeral arrangements in the future. When you purchase your plan we will allocate a Funeral Director. If you have a preferred Funeral Director we will do our best to allocate your plan to them, but this is not always possible. If it has not been possible to allocate your plan to your preferred Funeral Director we will choose an alternative one for you. If the Funeral Director we have nominated is not acceptable, please contact us to discuss alternative Funeral Directors who could provide the funeral.

Disbursements are the payments associated with the funeral that the Funeral Director makes on your behalf. They include the cremation or cemetery fee, Doctor’s fee and Minister’s fee. Your plan covers Disbursement Costs up to a pre-determined limit. Please see our price list for the current amount of this limit. This allowance will increase annually on 1st July in line with increases in the Consumer Prices Index (CPI). There may be a balance to pay at the time of need if the actual disbursement costs paid on your behalf by your nominated Funeral Director are more than the limit plus the annual uplifts in CPI. This could happen if you live in an area where disbursement costs are high or disbursement costs rise much more than increases in the CPI.

We hope that every Avalon customer is happy with their funeral plan. However, if your circumstances have changed and you want to discuss your options, please get in touch by calling 0161 486 4544.

If you do decide to cancel your plan in writing within the first 30 days, you will receive a full refund. If you cancel your plan after 30 days, you will receive a refund minus a cancellation fee of £395. If you have a Cremation Only plan and cancel after 30 days, you will receive a refund minus a cancellation fee of £95. Our cancellation policy is set out in full in your Key Features document and Terms & Conditions. For more information, please email info@avalon-trustee.co.uk.

Yes, just contact us to make changes to your plan. If you wish to add extra services, additional costs may apply. This option is not available on our Cremation Only plan.

Your money is securely invested in the Avalon Funeral Trust No.3. The funds in Trust are held separately to the Company and managed by Independent Trustees to ensure your money is protected. An actuarial valuation is performed annually to ensure there are sufficient assets to meet the future payments to Funeral Directors.

If the plan is fully paid, the plan will cover the Funeral Directors Fees & Services in full. If the actual disbursements paid via your nominated Funeral Director are less than pre-determined limit plus the annual uplifts in CPI, the disbursements will also be covered. If the actual disbursements paid via your nominated Funeral Director are more than pre-determined limit plus the annual uplifts in CPI your next of kin will be asked to pay the difference between the two amounts.

For extra peace of mind, if you choose to pay for your funeral plan by instalments over two or more years, you can benefit from our Avalon Promise. It means that if you die before all your instalments have been made, Avalon can cover the costs of all the services included in your chosen plan.

If you’ve bought a Standard, Plus or Premium funeral plan, or a Build Your Own plan online, on or after 1st January 2019 in the UK, and you’ve chosen to pay over two years or more, you could benefit from the Avalon Promise. The Avalon Promise comes into effect when your plan has been in place for 12 months, subject to the terms and conditions.

If your plan is not covered by the Avalon Promise and you die before all instalments have been paid, your representative will have two options. They can either pay the outstanding balance before the funeral, or cancel the plan in writing and we will return all payments, less a cancellation fee of £395 for standard plans or £95 for our Cremation Only plan.

Find out more about the Avalon Promise.

Yes, you can buy an Avalon plan for someone else, and many of our customers have bought a plan for another family member.

No, there are no health questions. Your Avalon plan is guaranteed to be accepted.

Avalon can change the address on your plan at no extra cost, as long as you let us know before the time of need. If necessary, we will assign you a new nominated Funeral Director. Please contact us by emailing customerservice@avalonfuneralplans.com or calling 0161 486 2020. Please provide your Avalon plan number, previous address and the new address you have moved to.

If you move to one of the European countries that Avalon operates in, you can take your plan with you. Please contact us by emailing customerservice@avalonfuneralplans.com or calling 0161 486 2020. Please provide your Avalon plan number, previous address and the new address you have moved to.

Yes, you can choose another Funeral Director from the reputable Funeral Directors that partner with Avalon to fulfil your funeral plan. However, on occasion this may not be possible. This option is not available for our Cremation Only plan.

Yes, you can make a record of any personal requests, such as music, dress code and personal themes you may like at your funeral, and we will pass these on to the Funeral Director at the time of need. This option is not available for our Cremation Only plan.

Disbursements are funeral costs that are not Funeral Director fees. This may include things like doctor’s fees, minister’s fees, the costs of cremation or burial. Avalon funeral plans come with a contribution towards disbursements which increases in value every year in line with the Consumer Price Index.

Although we cover the costs often not included by other providers we can’t guarantee that the allowance will cover all of the third party costs. This is because third part costs are outside of the Funeral Directors control for items such as the cremation fee or cemetery fee.

When you buy an Avalon funeral plan, the money for your funeral goes into an independently-held Trust. The money is kept securely in the Trust until the time of your funeral.

We only sell funeral plans. Part of the cost of your plan helps us cover things like team member salaries, our 24-hour bereavement line, marketing our plans on behalf of local, independent Funeral Directors, and managing your plan until you need it.

For extra peace of mind, if you choose to pay for your funeral plan by instalments over two or more years, you can benefit from our Avalon Promise:

• If you pass away before you have completed paying for your funeral plan, we will cover the costs of all the services included in your chosen plan
• The Avalon Promise comes into effect when your plan has been in place for 12 months and all instalments payments are up to date
• Your family can focus on celebrating your life, without worrying about the cost

Find out more about the Avalon Promise for more details and the full terms and conditions.

If you’ve bought a Standard, Plus or Premium funeral plan in the UK on or after 1^st January 2019, or bought a Build Your Own plan online, and you’ve chosen to pay over two years or more, you’ll benefit from the Avalon Promise.

The Avalon Promise comes into effect once your funeral plan has been in place for 12 months, as long as the instalment term would have been paid no later than by your 80^th birthday.

Find out more about the Avalon Promise for more details and the full terms and conditions.