Pre-paid funeral plans
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: 6.8.1. the purchase or lease of a grave; 6.8.2. if You do not meet the criteria for a local resident set out by the Local Authority (charges can apply); 6.8.3. 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 6.8.4. 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 funeral plan but is not automatically included. 6.9 There may be circumstances in the future which mean that for reasons beyond our control we cannot offer some of the products or services exactly as You had expected (including, but not limited to, extreme weather conditions and third-party supplier failure). We will discuss this with You or Your Nominated Representative at the appropriate time. 6.10 Please speak to us about upgrades or additional services which You would like to be included in the funeral plan or, if You are redeeming the funeral plan, the actual funeral. Any additional services or any upgrades of services which are required which are not covered by the funeral plan will be calculated and charged on the basis of the prevailing rates and any difference between the two charges at the time will be invoiced separately. 6.11. We will not refund or credit any monies for products or services included and paid for in the funeral plan which do not form part of the funeral unless their absence is due to a fault on our part or something beyond our control (including but not limited to lack of availability, extreme weather etc). This is to protect the deceased’s wishes and to ensure the funeral we are contractually obliged to deliver takes place. 6.12.It may not be possible to arrange Your funeral if You have decided to offer to donate Your body to medical science and this offer is accepted by the relevant medical school on Your death. In this case, on receipt of the appropriate confirmation from the medical school, we will cancel Your funeral plan (meaning the Contract is ending). Please see clause 8 below for details on the cancellation process and the fees involved. If You are paying by instalments and are within 12 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 first anniversary of the Funeral Plan Commencement Date, we will not refund the Instalment Charges. 7. Price, instalments, payment and repayment 7.1. Once the Contract has been formed, You are legally responsible for paying for the funeral plan. 7.2 You can either pay the full cost of the funeral plan in a single upfront payment or pay in monthly instalments up to a term of 5 years. If You choose to pay by instalments of more than 12 months our Instalment Charges will apply. Please see clause 3 above for more information on these charges. 7.3. If paying by instalments, our funeral plans must be fully paid on or before the plan holder’s 80th birthday. 7.4. The price You will need to pay is set out in the Funeral Plan Summary Document. The price will vary depending on the services selected but will include our Admin Fee. Please see clause 3 above for more information on this fee. We will confirm details of Your payment plan in writing. 7.5. If You have elected to pay in instalments, the total price You will pay for the funeral plan will be higher as it will include a charge for the convenience of paying by instalments. We will confirm the details of Your payment plan in writing. If You decide to accelerate Your payments and pay the total charges earlier than originally agreed, You will need to contact us for a final settlement figure which will be Your total contracted charge less all monies paid and less any amount that would have been charged for the convenience of paying in future instalments. 7.6. We undertake that the total charges paid by You, excluding our Admin Fee and Instalment Charges, will
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