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Firstly being a service in the EU in the Eurozone pricing is in Euros. While that remains so you should expect to pay in euros and pay whichever currency exchanges rates are current and they do go up and down marginally.
The basic package which is for Spanish soil starts at €2,700 with the Plus at €3,000 and a Repatriation Plan coming in at minimum €4,600.
Bear in mind that cost of flight may be a little more. This can also depend on costs for collection from a UK airport by a Funeral Director in the UK if outside the typical 25 mile radius.
Upon initial reading of the website text it includes a contribution towards flight for repatriation in the Repatriation Plan. This could indicate that should the costs at the time rise above the stated amount prepared for, that the next of kin could be liable and should be ready to pay the difference.
Basic: One off €2,700
Basic Plus Plan: One off – €3,000
Repatriation Plan: One off – €4,600
The coffin that is to be repatriated should see be a Zinc lined hermetically sealed coffin to adhere to international flight rules with regards repatriation of the deceased.
The stated costs for Repatriation of coffin by aeroplane only include a contribution. You should enquire with airlines the current cost now to compare inflation of service over ten and twenty years.
Outside of this funeral plan as a UK citizen or one of another EU country it is worth checking your own personal health insurance policies and or current travel insurance.
It may be that at the time a separate health policy covers your flight back home. For instance if you have a property in Spain that you use in the Summer holidays and travel insurance covers you for that period.
They have English, Spanish and Swedish speaking staff on the Bereavement line.
Because this is Spanish law, it is not possible to say with absolute assurance without legal guidance that trust fund law with the specialist Funeral Directors Account at BBVA Bank, is as safe and secure as it may be by the British FPA.
Consider legal scrutiny from a UK solicitor. On the face of it, local laws apply but similar depth of annual scrutiny of both fund activity from the likes of the Financial Conduct Authority (FCA) and of trustees by the FPA are unclear.
Pre paid funeral plans are not always catch all services as much as they might be when paying and arranging at the time of death. Most plans acknowledge the cost of funeral services now and take into account inflationary rates but exclude any land or flight costs as might be unknown.
With regards a flight yes while it is fantastic they appear to be one of first to lock in repatriation with a funeral plan, not unlike disbursements in respect of burial costs it is perhaps too much of an unknown. Therefore the amount is a contribution and at the time of booking because airfares cannot be bought in advance, on the day costs will need to apply which may leave a family paying a top up.
There is an indication about personalised plans on the front of the website, which leads us to believe that there may be a possibly to budget other costs, or it could be a Wish List scenario where next of Kin can adapt with additional cost at the time of the funeral.
Much like other funeral plans a person would pay in advance either in full or over a certain payment term and premiums each month until the total has been fully paid. One would receive a certificate clarifying such cover with all details and you are effectively covered with that policy from that point onwards.
Guarantees ensure that element of a funeral already paid for, will be provided at the point of death whether in five, ten of twenty years. It is helpful if you notify a next of kin that the plan exists. The Repatriation aspect is a little bit more complicated but the bereavement line should assist fully. Though it may need organising with a receiving UK funeral director in mind, as they will need to collect the body to provide the funeral.
We are not fully up to scratch with Spanish law, in relation to UK and EU law. It would be best to consult a solicitor. Within the confines of the UK FCA and FPA and other financial authorities can monitor trustees, trust funds and investments. Iberian indicate Spanish authorities are equally rigorous.
It is possible to cancel the plan in writing within 14 days of it officially beginning, all payments to that date will be returned – without interest. Past 14 days and up to and after full payment, 20% will be retained for admin purposes and the remainder of payments made returned.
This is a much more simple change in the UK where plan providers have networks in one country. Should you move elsewhere in Spain or in an EU country the nominated or placed Funeral Director may need to change. The policy holder is fully responsible for any additional fees that are incurred.
The wording may be confusing due to direct translation or perhaps not. It is stated, as with other plans that if a plan holders dies before all instalments are made then two outcomes can occur.
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