Pre-paid funeral plans
6. The funeral arrangements 6.1. 6.1. Once You have paid the total charges, we will send You Your funeral plan certificate which acts as evidence of Your funeral plan (“Funeral Plan Certificate”). Please look after this carefully as it is required to redeem Your funeral plan. If You lose it, please contact us to request a replacement which we will provide free of charge. We will also send You a funeral plan statement at least every 3 years, informing You of amounts paid, any amounts remaining and reminding You of the key features of Your funeral plan. 6.2. We recommend You choose someone to be nominated representative (“Nominated Representative”). This ensures that there is someone else that has awareness of Your funeral plan, it is used and that Your choice of funeral on Your death is what takes place. You can choose anyone You like to be Your Nominated Representative but please check with them first that they are happy to be nominated. Please be aware that they will receive a nominated representative summary document containing a summary of Your funeral plan and a copy of Your funeral plan statement every 3 years. 6.3 When You need to redeem Your funeral plan, You will need to produce Your Funeral Plan Certificate. Provided Your funeral plan is fully paid up, we will arrange the funeral taking into account the instructions set out in Your Funeral Plan Certificate and any additional instructions as to Your funeral preferences disclosed to us at the time subject to any agreed changes which have been made subsequently. 6.4 If Your funeral plan is not fully paid up at the time You need to redeem but You are within the first 12 months of Your funeral plan and Your death is the result of an accident or Your plan has gone past the first anniversary of Your Funeral Plan Commencement Date, we will arrange the funeral without the outstanding balance having to be paid provided You are up to date with Your funeral plan instalment payments. 6.5 If You are within the first 12 months of Your funeral plan and your death is not the result of an accident, then either: 6.5.1 the balance can be paid in full; or 6.5.2. the funeral plan can be cancelled (meaning ending of the Contract). Please see clause 8 below for details on the cancellation process and the fees involved. 6.6 In the event of death outside the mainland of England, Scotland and Wales, we may either: 6.6.1. arrange the funeral as set out in the Funeral Plan Summary Document so far as reasonably possible and invoice Your personal representatives for any difference in cost; or 6.6.2. cancel Your funeral plan (meaning we are ending the Contract). Please see clause 8 below for details on the cancellation process and the fees involved. 6.7 The Funeral Director named on the Funeral Plan Summary Document will arrange Your funeral in accordance with the Contract at no additional cost, although You should be aware of the excluded items detailed in clause 6.8. Notwithstanding this, the funeral plan is fully transferable to a Co-operative owned funeral business in the United Kingdom (excluding Northern Ireland) with whom we have a reciprocal arrangement. Should we be unable to arrange that the funeral services are delivered by a Co-operative owned business in the first instance in the area of Your choice, we may need to appoint an alternative Funeral Director to deliver the funeral services on our behalf. If You wish to use a different non Co-operative owned Funeral Director, please contact us as there may be additional charges which will apply but we will tell You about these. In these circumstances, You may choose to cancel the funeral plan (meaning You are ending the Contract). Please see clause 8 below for details on the cancellation process and the fees involved. 6.8 Please note all funeral plans only cover for the provision of a funeral to take place in the United Kingdom (excluding Northern Ireland). Your funeral plan only covers the services and items as listed on Your Funeral Plan Certificate. There may be extra charges for additional services, such as, removal of artificial limbs and pacemakers and because there is a wide variation in costs and regulations in transportation of the body for a distance of over 50 miles or repatriation from abroad. Our simple funeral plans only include a contribution towards funeral costs which may not cover the full amount. In these instances, we would ask that the balance is paid. The contribution will be detailed in Your Funeral Plan Summary Document or confirmed to You over the telephone so You will have sight of this before You agree to go ahead with Your funeral plan. Additionally, there are a number of items that are
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