It’s an unfortunate slight that not all pre paid plans across all providers are the same. That’s competition. some aspects are not covered in general like repatriation while ambiguity with disbursements is not helpful.
- Transferral of plan to another named person if requested
- It is possible to edit plan without extra charge unless there’s an upgrade or significant addition
- Does not include repatriation
- If repatriated and distant from Director to airport is more than 40 miles, there may be a surcharge
- Disbursements that are commonly held together are split
Does that mean I (or my family) will have to pay money on top?
It may be the case that come the moment of need a next of kin may need to top up for disbursements at the time. More clarity is required.
What If I Want Something Different?
An option to have a tailored pre paid funeral plan exists, contact for further details.
How Does A Silver Clouds Funeral Plan Work?
With Silver Clouds there is a 14 day period where no one does anything. You are free to contemplate your decision and they will await any written confirmation to cancel, after which all begins in earnest. You receive a Certificate to state what is due in time of need, plus any payment plan details. no plan need be delivered in full until full payment is concluded.
Will my money be safe?
Silver clouds are members of the FPA which audits their offerings on an annual basis. There is also a separate Trust fund which is called The Silver Clouds Trust so yes as current oversight stands it should be.
Any Cancellation fees?
There is a cooling off period of 14 days if you change your mind after the first day of the plan begins. You must confirm withdrawal in writing. After this period there is a cancellation cost of £495.
Will my plan stay the same if I move house?
This is not visible in their FAQ but they do have a national network of funeral directors which is an attempt to provide local funeral coverage wherever you may move. Yes the plan moves with you but in relation to postcode we are unsure exactly how far away the funeral director would be.
What happens to my plan if I die before paying the full amount?
In line with most responsibilities of being an FPA member they will either return the paid amount minus an admin fee to next of kin, or request the difference so the funeral can be delivered as planned.