Pre-paid funeral plans
a. pay the balance in full; or b. cancel the funeral plan (meaning You are ending the Contract) and we will, at Your option, either credit the full amount paid to date against the cost of a funeral arranged by us in accordance with applicable prices as at that date, or we will refund You the full amount paid to date less a cancellation fee of £200 (which is a genuine pre-estimate of the costs we incur in cancelling the funeral plan for You, such as the administration involved and the preparation of the paperwork etc). If full payment is not received, we may cancel Your funeral plan (meaning we are ending the Contract). In this case we will refund the amounts paid, less a cancellation fee of £200. If You are paying by instalments and are within 24 months of the date we received Your first payment, then no cancellation fee will be applied on cancellation of the funeral plan. If You have paid in instalments and cancel the contract after the second anniversary of the contract start date, we will retain an amount representing the charge applied for the convenience of paying by instalments. 5.4 In the event of death outside the mainland of England, Scotland and Wales, we may either: a. 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 b. cancel your funeral plan (meaning we are ending the Contract) and refund the amounts paid less a cancellation fee of £200. If You are paying by instalments and are within 24 months of the date we received Your first payment, then no cancellation fee will be applied on cancellation of the funeral plan. If You have paid in instalments and cancel the plan after the second anniversary of the contract start date, we will retain an amount representing the charge applied for the convenience of paying by instalments. 5.5 In the event that we apply Clause 5.3.a or 5.4.b in relation to funeral plan and the funeral plan is redeemed within 30 days of the date of the Funeral Plan Summary Document, the cancellation fee shall not be applied. 5.6 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 5.7. Notwithstanding this, the funeral plan is fully transferable to a Co-operative owned funeral business in the UK 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). We will refund You the amounts paid less a cancellation fee of £200. Please see Clause 7 for details. If You have paid in instalments and cancel the plan after the second anniversary of the contract start date, we will retain an amount representing the charge applied for the convenience of paying by instalments. 5.7 Please note Your funeral plan only covers the services and items as listed on the Funeral Plan Certificate. There may be extra charges for additional services, such as, removal of artificial limbs and pacemakers (may not be required for every burial) 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 You to pay the balance. Additionally, there are a number of items that are not covered by our funeral plans which involve a burial in cemeteries, churchyards, graveyards and crematoria. Items that will not be covered include, but are not limited to: a. the purchase of a grave; b. if You do not meet the criteria for a local resident set out by the Local Authority (charges can apply); c. the cost of memorials and headstones, including the repair, cleaning, re-fixing or additional inscriptions (unless a specific memorial product has been added to the plan and listed on Your Funeral Plan Certificate); and d. a temporary marker on the grave after the burial takes place (many cemeteries place a temporary marker on the grave, particularly if a headstone is to be erected later and there is normally a charge for this). This can be added to Your personalised plan but is not automatically included.
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