Safe Hands Funeral Plans Review

Many seniors get a little anxious when they think about planning their funeral, at first it seems an uncomfortable prospect. However with the right support and guidance it can be completed and leave you feeling more comfortable, confident and prepared. 

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Questions on Safe Hands Funerals

How much are Safe Hands funeral plans?

There are 5 pre paid funeral plans offered by Safe Hands which are:

– Direct Cremation plan £1,795
– Topaz funeral plan £2,390 (no contribution/allowances)
– Pearl funeral plan £3,495
– Sapphire funeral plan £3,795
– Ruby funeral plan £4,095

What we disliked?

Though you are welcome to nominate a funeral director that you would prefer to conduct your funeral, it is not guaranteed that it will be your preferred funeral director that will conduct your funeral.

 

That said, it is, technically, impossible for any funeral plan provider to guarantee that any funeral director nominated to a plan at the point of purchase, will be available to conduct the funeral when the plan holder passes away. 

 

If you purchase a Safe Hands Funeral Plan and you do not have a preferred funeral director, then Safe Hands will nominate your plan to one of the hundreds of funeral directors nationally, that it has contracts in place with.

 

If you do have a funeral director that you would prefer to conduct your funeral, but they are not one with which Safe Hands Funeral Plans has a contract, then when you pass away Safe Hands will still offer the benefit of your funeral to your preferred funeral director, but if for any reason they are unable to conduct the service at that time, it will, instead, be conducted by an alternative firm in your local area, selected at Safe Hands’ discretion.

 

Also, like most funeral plan providers, most of the plan options offered by Safe Hands include a £1,200 allowance/contribution towards the cremation fee (or if burial, the interment fee), the doctor’s fee, and the minister’s fee. 

 

If these 3 fees combined, amount to a sum greater than £1,200 + CPI uplift applied annually, then your representatives will be required to pay any further sums required to make up the shortfall.

How much do Safe Hands funeral plans cost per month?

Upon first glance this is one of the best offerings of a basic package you will find however there is always the balance of disbursements to be wary of. When you compare funeral plans online always consider the parts that are missing and not exhaustive and how disbursement charges, if included, will rise according to cost of living.

 

That said, the basic package is brimming with a lot of elements that are usually added in later packages.

 

They are endorsed by the National Federation of Funeral Directors (NFFD). Your attention should, also, be drawn to the fact that if you pay for your plan by monthly instalments of 12 or 24 months, then it is ‘straight repayment’ meaning there is no monthly Instalment Handling Charge – and where plans are paid for over 36, 60, or 120 months, Safe Hands apply a 4% monthly Instalment Handling Charge (calculated annually).

 

Direct Cremation:


One off – £1795 or 12 months at £128.75 interest free.
24 months at £64.38.
36 months at £48.07.
60 months at £30.90.
120 months at £18.02.

 

Includes

 

Simple veneered coffin with nameplate. National recovery of deceased to funeral home, no mileage limits. Care and preparation of the deceased. Funeral Director’s professional fees. Cremation fee. Doctor’s fee.

 

Topaz:

One off – £2275 or 12 months at £168.75 interest free.
24 months at £84.38.
36 months at £63.00.
60 months at £40.50.
120 months at £23.63.

 

Includes:

Simple veneered coffin with nameplate.

Care and preparation of the deceased.
Funeral Director’s professional fees.
Funeral hearse and bearers.
Conveying of deceased within 25 miles in 24 hours – additional mileage charged.
Organising service.
Support and guidance.
Visit to Chapel of Rest ANY TIME with appointment.
Date and time of funeral AGREED – this is their basic package and both available, as is funeral procession from a local home.

 

Does not include: Contribution/allowance towards third party costs.

 

Pearl:

One off – £3355 or 12 months at £258.75 interest free.
24 months at £129.38.
36 months at £96.60.
60 months at £62.10.
120 months at £36.23.

 

Adds: All the above from Topaz – PLUS £1200 disbursements.

 

Sapphire:

One off – £3595 or 12 months at £278.75 interest free.
24 months at £139.38.
36 months at £104.07.
60 months at £66.90.
120 months at £39.02.

 

Adds:  All the above from Topaz – PLUS £1200 Disbursements & One following limousine.

 

Ruby:

One off – £3900 or 12 months at £304.17 interest free.
24 months at £152.08.
36 months at £113.56.
60 months at £73.00.
120 months at £42.58.

 

Adds:

 

All the above from Topaz – PLUS £1200 Disbursements
Two following limousines.
Upgrade to a Oak effect veneered coffin with nameplate.

 

Notes

 

Plans paid for over 3, 5, and 10 years are subject to a flat 4% Instalment Handling Charge (calculated annually).

Extras which can be purchased:

£400 Wicker or cardboard coffin, £400 Colourful or picture coffin, £275 Floral coffin spray, £350 Church Service, £275 Additional limousine. Deposit is a minimum £250 (prices above shown with minimum deposit), the higher, the lower the monthly payments.

 

Trust Held

 

Yes with trustees. Pitmans Trustees Ltd managed by UBS.

Prices listed are valid at the time of publishing, and may not be current.

What we like about them?

They seem to be offering more of what people want which is causing a bit of a stir with the possibly longer established competition.

 

  • Safe hands offer affordable low cost plans with extended 24 month instalments and NO extra charges on plans taken out over 12 or 24 months, while plans over 36, 60 or 120 are charged 4%.
  • Their trust fund review showed healthy security from review of client funds
  • Very competitive pricing

What’s guaranteed?

The funeral directors fees and services are guaranteed, meaning there will never be anything further for you or you loved ones to pay towards them. Most plan options also include a generous, but not unnecessarily excessive, £1,200 allowance towards the cremation fee (or if burial, the interment fee), the doctor’s fee, and the minister’s fee.

Will my money be safe?

The independent trust fund is held by Pitmans Trustees which is managed by UBS. Monies are ring-fenced only to be used for customers’ funerals. There is no legal or physical access to the funds for any reason or any time, only if the plan holder dies (or if there is a cancellation and refund due).

What happens if I die before paying off my Safe Hands plan?

Plan holders do need to understand that should they pass away before their instalments are paid, that their family/representatives would be required to pay the outstanding balance on the plan before the funeral can take place.

What are the cancellation fees/policy?

Plan holders can cancel their Safe Hands Funeral Plan at any point within 30 days from the ‘Plan Effective From’ date detailed on their formal plan certification and receive a full, no-quibble, refund of all monies paid.

 

If the plan is cancelled after 30 days from the ‘Plan Effective From’ date detailed on the customer’s formal plan certification, then the plan holder will receive a refund of whatever monies they have paid towards their plan at the point of cancellation, minus a cancellation charge of £249.

 

Note: If a cancelled plan was paid for by monthly instalments, any Instalment Handling Charges incurred to the date of cancellation will not be refunded.

What’s the Defaqto rating for Avalon?

Safe Hands Funeral Plans has a 2 star Defaqto rating as of 2018 for all of their plans.

What if I move house?

Plan holders can cancel their Safe Hands Funeral Plan at any point within 30 days from the ‘Plan Effective From’ date detailed on their formal plan certification and receive a full, no-quibble, refund of all monies paid.

 

If the plan is cancelled after 30 days from the ‘Plan Effective From’ date detailed on the customer’s formal plan certification, then the plan holder will receive a refund of whatever monies they have paid towards their plan at the point of cancelation, minus a cancellation charge of £249.

 

Note: If a cancelled plan was paid for by monthly instalments, any Instalment Handling Charges incurred to the date of cancellation will not be refunded.

Why Safe Hands Plans?

Safe Hands Funeral Plans is one of UK’s most prominent and recognised providers of prepaid funeral plans, and they have a variety of well thought-out plans to fit different needs and budgets. To make an informed decision on a funeral plan and a provider, here are a few things you should know about Safe Hands.

 

A Safe Hands Funeral Plan is an easy way by which you can plan your funeral arrangements as well as pay for them in advance.

 

It also means that, no matter how long you live, neither you or your loved ones will ever need to pay additional sums towards the funeral director’s fees and services (though as with most plans from most providers, there may be additional sums to pay towards 3rd party fees/disbursements).

 

After you have passed, all your family and friends have to do is call Safe Hands on their 24/7 bereavement reporting line, and Safe Hands will take care of everything from that point.

 

Safe Hands also does a good job of outlining all of the costs for services up front, so there are no hidden fees. Safe Hands is a very transparent provider that wants to work with you to create your ideal funeral.

 

There are so many things to consider and most often, it is an expensive process. You might not have the funds to pay for everything you want and leaving it all to the last minute can burden your loved ones financially and emotionally.

 

While it might not be pleasant to think about, planning your funeral in advance can save time, money, and stress for everyone involved.

What if Safe Hands Plans goes out of business?

Because the trust fund is entirely independent of the company, in the highly unlikely event that Safe Hands Funeral Plans should go into liquidation or cease trading for any reason, because the trust fund is not an asset of the company (and because the plan holders are the primary beneficiaries of the trust fund) our Plan holders’ investments would remain secure and ring-fenced specifically for the purpose of providing the funeral they have bought and paid for

Our Opinion on Safe Hands Funeral Plans

Here’s a summary of the main points we’ve covered on this Wakefield based funeral plan company.

  • Endorsed by the National Federation of Funeral Directors (NFFD)
  • Generous third party contribution/allowance of £1,220, but still may fall short meaning family will have to cover anything else
  • Safe Hands Funeral Plans are not, yet, registered with the Funeral Planning Authority – although they have commenced the process of applying for FPA registration
  • Competitive pricing on their plans which can be paid over 2 – 10 years making it a lot more affordable

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