Avalon Promise Terms & Conditions
Terms & Conditions for Balmoral, Highgrove and Windsor Way funeral plans sold in the UK, and Build Your Own plan sold online.
The Avalon Promise
For extra peace of mind, if you choose to pay for your funeral plan by instalments over a term of 2 or more years, you can benefit from the Avalon Promise. This means should you pass away before you have paid for your plan in full we will honour your plan without asking your representative or next of kin to cover the remaining instalment payments.
From the 1st January 2019, The Avalon Promise is available on our Balmoral, Highgrove, and Windsor Way funeral plans sold in the UK, and Build Your Own plan sold online. The Avalon Promise is available on plans that are set up, and paid for by instalments over a term of 2 or more years for both cremation and burial plans. Your plan certificate will include the Avalon Promise in the list of services.
Should you pass away before you have completed paying your instalment payments, we will cover the costs of the services detailed on your plan certificate, without asking your representative or next of kin to make the remaining instalment payments.
To be eligible, your plan must have been in place with the Avalon Promise for a minimum of 12 months and all of your instalment payments must be up to date.
The Avalon Promise is available where the plan holder (the beneficiary) is over 18 years of age and all instalments would be paid within the agreed term and by no later than the plan holder’s 80th birthday.
For example, if you purchase your plan at 75, plan instalments must be paid over 4 years to qualify for the Avalon Promise. If you choose to pay for your plan over 10 years at the age of 75, you will not be eligible for the Avalon Promise but you can still have a plan.
Within the first 12 months should the plan holder (beneficiary) die as the result of a ‘covered accident’ the plan will be eligible for the Avalon Promise benefit. A covered accident means a sudden and unexpected violent event outside of the plan holder’s control and not linked to any illness or disease. A covered accident does not include death resulting from the ingestion of drugs, including prescribed medication. A coroner’s verdict of accidental death does not determine a covered accident under our terms.
The funeral must be carried out by the Avalon nominated Funeral Director.
Important exclusions for the Avalon Promise:
Only a plan holder (beneficiary) named on the funeral plan application form (and plan certificate) will be eligible for the Avalon Promise and the plan cannot be transferred to a third party unless the plan has been paid in full prior to a plan transfer.
Should you miss 3 or more instalment payments in a 5-year period, you won’t be eligible to benefit from the Avalon Promise. If at the time of need, you have missed up to 2 instalment payments, your family or representative can make the outstanding payments so that the plan is eligible for the Avalon Promise.
The Avalon Promise is not a guarantee to cover any shortfall in disbursements costs. (Please refer to your Key Features Document)
What if I die within the first 12 months?
Unless you die as the result of a covered accident your plan must be paid in full for the funeral to go ahead using your Avalon plan. The Avalon Promise is offered as a discretionary benefit and is not an insurance product. These terms should be read in conjunction with the Balmoral, Highgrove and Windsor Way Terms & Conditions and Build Your Own plan Terms and Conditions.