Elderly woman smiling in a sunny field

A top-rated 5-star prepaid Direct Cremation Plan – now the lowest price in the UK

£1,595

Fairer Finance 5-star rating badge for Direct Cremation Premium Plan 2025.
Trustpilot
  • Lowest priced 5-star rated prepaid direct cremation plan in UK
  • Covers everything needed for a full direct cremation
  • No hidden costs– nothing extra for your loved ones to pay
  • Ideal for those who don’t like funerals or who don’t want a fuss
  • Cremations take place at one of our own beautiful crematoria, or a crematorium of our choosing

    Get a FREE quote

    Complete your details in the short form below and we will be in touch with a free, no obligation quote.





    By clicking submit you agree to our Privacy Policy and agree we may use the contact details provided to contact you.

    Need to arrange a cremation for someone who has passed away?

    Arrange a funeral

    What's included in the prepaid Direct Cremation Plan?

    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
    Purchase the Direct Cremation Plan
    Funeral-Solutions-Expert-five-star-logo.png
    Memoria Standard logo with a checkmark above the text.
    FSCS Financial Services Compensation Scheme logo.
    Trustpilot
    Fairer Finance 5-star rating badge for Direct Cremation Premium Plan 2025.

    Rest assured your money is protected

    100% guaranteed

    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.

    • Held securely in your name
    • Paid out only when it’s needed
    • Covered by the Financial Services Compensation Scheme

    How our direct competitors compare

    Fully
    Inclusive    		Fairer
    Finance
    Memoria Direct Cremation
    Direct Cremation Plan
    £1,595
    Full Inclusive Fairer Finance 5
    5
    Distinct Cremations
    Direct Cremation Plan
    £1,999
    Full Inclusive Fairer Finance 4
    4
    Pure Cremation
    Funeral Plan
    £1,995
    Full Inclusive Fairer Finance 4
    4
    Co-Op Funeralcare
    Direct Cremation
    £1,700
    Full Inclusive Fairer Finance 3
    3
    Golden Charter
    Basic 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.

    Flexible payment options​

    Choose the payment method that works best for you and your budget.

    Single Payment

    Pay once and have complete peace of mind. 

    Monthly Payments

    Spread the cost over a period of time, with a monthly payment.  

    We can put you in touch with a lender called Funeral Safe, an FCA-regulated funeral finance provider. Depending on the funeral plan you choose they offer a finance term of up to five years subject to status and personal circumstances. Memoria Direct Cremation is a credit broker not a lender.

    Putting a Memoria Direct Cremation prepaid direct cremation plan in place now means you can provide your loved ones with reassurance that something is in place when it’s needed.  

    Contact us
    Children laughing and hugging their grandmother.

    Frequently asked questions

    Just give us a call or get in touch by email. Please note there may be related costs if a plan is changed e.g. additional services added.  
    If you’d like to cancel your plan, you have the right to do so at any time. If you pay for your plan with a single lump sum and cancel after 30 days, you'll receive a refund, less a cancellation fee of £95.Please note, if your plan is cancelled, we will no longer be able to provide the services included. You can cancel your plan by phone on 0800 007 3580, by email at info@memoriadirectcremation.co.uk or by post at Memoria Direct Cremation, The Pool House, Bicester Road, Stratton Audley, Oxfordshire, OX27 9BS.  
    At the moment, our plans only cover mainland UK. We’ll happily support your family with repatriation but that would be an extra cost to your plan.  
    When you take out a funeral plan, you need to name a Nominated Representative, who will also be sent details of the plan. This person can be anyone you trust to be our point of contact when you die - very often it’s your next of kin but it doesn’t have to be. When the time comes to redeem the plan, they’ll get in touch with us to help arrange the next steps and work closely with one of our arrangers to make sure all their questions are answered.
    The money paid to Memoria Direct Cremation for your funeral plan will be used to purchase a whole life insurance policy with our chosen life insurance provider. Memoria Direct Cremation will be the beneficiary of this policy upon your death and will use the funds to fulfil your funeral plan. 

    How to purchase your plan

    STEP 1

    View the plan

    STEP 2

    Call us or purchase online 

    STEP 3

    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.

    Buy now
    0800 007 3921

    What are the benefits of a prepaid direct cremation plan?

    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.

    • Peace of mind
      By arranging everything in advance, you reduce the burden of difficult decisions at an emotional time. Your wishes are clearly set out, so your family knows exactly what you wanted.
    • Financial reassurance
      A prepaid plan locks in today's prices, protecting your family from rising funeral costs. With the key services already paid for, your loved ones are shielded from unexpected expenses.
    • Simplicity and clarity
      Everything is organised in one place, from collection to the return of the ashes. You know exactly what's included, with no hidden extras or future surprises.
    • Trusted, compassionate care
      You can be confident that your plan will be carried out with the utmost dignity and professionalism. Your family will receive caring support from an experienced team when they need it most.
    Contact us
    Outline of a book with flowers growing from its pages.

    Here to help

    Our team is ready to guide you through every step, with clear advice and caring support.

    Call us now
    Get a FREE guide
    Female call handler wearing a headset while taking a call.

    Why choose Memoria Direct Cremation

    Outline map of the United Kingdom.
    National provider

    Serving families with care across England, Scotland and Wales.

    Outline of an urn with a flower beside it.
    Guaranteed services

    Everything included in your plan is fully covered.

    Outline of a clipboard with a sheet of paper.
    Fixed prices

    The cost for the services outlined in your plan will not increase once purchased.

    Pound coin falling from an open hand.
    Financial security

    Every payment goes into a protected insurance policy.

    Outline of a tree with visible branches.
    Trusted and rated

    Our Direct Cremation Plan holds the top 5-star Fairer Finance rating.

    Outline of a leaf sprouting and growing.
    Environmentally conscious

    We operate more of the the UK’s lowest-emission crematoria than any other multi-site provider.

    Trustpilot

    Fill in your details below, and one of our expert teams will be in touch.

    Error: Contact form not found.

    Our experienced team is available to answer your questions and support you, whether you need immediate assistance or are planning ahead.






      By clicking submit you agree to our Privacy Policy and agree we may use the contact details provided to contact you.