Proud to be 5 star Fairer Finance rated for the second year running!
Planning ahead is a practical and caring way to get your affairs in order. A prepaid plan provides clear benefits for both you and your family, giving you peace of mind today and protecting your loved ones tomorrow.
Features |
Direct cremation Plan£1,595 |
|---|---|
| Funeral Directors fees, services and cremation fees | |
| Specialist family support 24 hours a day | |
| Collection of the deceased from anywhere in mainland UK | |
| Care of the deceased in a professional mortuary | |
| Quality wood coffin (including larger sizes) | |
| Removal of pacemakers | |
| Dignified cremation at a Memoria crematoria or one of our chosen partners | |
| Support with funeral arrangements and paperwork | |
| Online funeral notice for friends and family | |
| Hand delivery of ashes, or scattered in the memorial gardens | |
| Embalming or viewing the deceased | |
| Funeral service attended by loved ones | |
| Hearse, limousine or flowers |
The policy is held in your name and guarantees to cover the services specified in your plan, no matter how much costs rise over time.
You’ll receive full documentation once your plan is in place, and we’ll also contact your nominated representative if you wish.
| Fully Inclusive | Fairer Finance | |
|---|---|---|
Memoria Direct CremationDirect Cremation Plan£1,595
Full Inclusive
Fairer Finance 5 |
5 | |
Distinct CremationsDirect Cremation Plan£1,999
Full Inclusive
Fairer Finance 4 |
4 | |
Pure CremationFuneral Plan£1,995
Full Inclusive
Fairer Finance 4 |
4 | |
Co-Op FuneralcareDirect Cremation£1,700
Full Inclusive
Fairer Finance 3 |
3 | |
Golden CharterBasic Plan£1,885
Full Inclusive
Fairer Finance 1 |
1 |
Pricing comparison based on publicly available information. Checkmarks indicate fully inclusive plans with no additional charges. Star ratings represent independent scores by Fairer Finance. Prices are accurate as of September 2025.
Can I arrange my own cremation?
Yes, you can put a prepaid plan in place which covers the costs for arranging your cremation when the time comes. Planning your own cremation lets you take control, offering several benefits: it reduces stress and burden on your family, gives you peace of mind, avoids passing on funeral costs, protects against rising funeral costs, and ensures your personal wishes are known and observed.
Can you prepay for a direct cremation?
Yes, you can take out a prepaid direct cremation plan in advance. A prepaid plan locks in today’s prices, protecting your family from rising costs. Your loved ones are shielded from unexpected expenses, and all included arrangements are guaranteed to be carried out when needed.
Why do people choose direct cremation?
People often choose direct cremation because it is straightforward with no formal service at the crematorium. It gives families flexibility to say goodbye in their own way at a time and place that feels right. It also removes many of the complexities of a traditional funeral, so arrangements are simpler. Direct cremation is a popular choice for families which are spread out and where getting back for a service would be tricky or expensive. Also families that don’t get on may prefer to avoid a service. Or simply people who don’t want a fuss.
What if I want to make changes to my plan?
What if I want to cancel my plan?
What if I die abroad?
Who is my Nominated Representative?
What happens to my money?
What if you go out of business?
With a Memoria Direct Cremation prepaid plan your payment is held securely in your name through an insurance policy, and is protected by the Financial Services Compensation Scheme.
View the plan
Call us or purchase online
Once purchased, you’ll receive confirmation and your welcome pack within 14 days.
When the plan is required: One call from your nominated representative or any family member or friend – any time, day or night, will set your plan in motion.
Our team is ready to guide you through every step, with clear advice and caring support.
Serving families with care across England, Scotland and Wales.
Everything included in your plan is fully covered.
The cost for the services outlined in your plan will not increase once purchased.
Every payment goes into a protected insurance policy.
Our Direct Cremation Plan holds the top 5-star Fairer Finance rating.
We operate more of the the UK’s lowest-emission crematoria than any other multi-site provider.
Articles and resources to guide you with confidence
A prepaid direct cremation plan lets you fix the cost of a simple, unattended cremation at today’s price – protecting your family from rising costs and the stress of making arrangements at a difficult time. But with plan prices ranging from £1,425 to £2,095, what you get for your money
A direct cremation plan lets you arrange and pay for a no-fuss cremation in advance, fixing today’s price for a service your family won’t have to organise or pay for when the time comes. But with direct cremation already the most affordable type of funeral, is it actually worth buying
How your funeral plan is protected This content has been reviewed for accuracy by Kelly Gray, Compliance Manager at Memoria Direct Cremation. When you buy a Memoria Direct Cremation plan, your money is placed into an FCA regulated insurance policy held in your name. It is covered by the Financial
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Our experienced team is available to answer your questions and support you, whether you need immediate assistance or are planning ahead.
