Pre-paid funeral plans
5.8 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. 5.9 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 (lack of availability etc). This is to protect the deceased’s wishes and to ensure the funeral we are contractually obliged to deliver takes place. 5.10 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 the Contract and refund all amounts paid as of that date. 6. Price, instalments, payment and prepayment 6.1 Once the Contract has been formed, You are legally responsible for paying for the funeral plan. 6.2 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 a fixed administration fee which is listed separately on the Funeral Plan Summary Document. We will confirm details of Your payment plan in writing. 6.3 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. 6.4 We undertake that the total charges paid by You, excluding administration and instalment fees, will be applied towards a contract of whole life insurance on Your life (or the person for whom the funeral is to be provided), effected and carried out by an authorised person who has permission to effect and carry out such contracts of insurance, for the purpose of providing the funeral. 7. Cooling off period, your rights to cancel the funeral plan and end the Contract and charges payable 7.1 You can withdraw Your instructions by telling us at any time up to receiving the Funeral Plan Summary Document and before you pay any amounts. If You simply wish to change Your mind, You do not need to give us a reason. 7.2 If You have entered into a Contract, You have a legal right to end the Contract for a period of 30 days from the date we received Your first payment (You have an additional 7 days to end the Contract from the date that Your nominated funeral director is confirmed by us, if this date extends beyond the first 30 days since the plan was taken out) and receive a full refund of all amounts paid unless You have requested services during that period, in which case You will have to pay a reasonable sum for those services. You may exercise this right by contacting us before the 30 days has expired in writing, which includes by email or You can contact us by telephone. Our contact details are set out on the first page of this document. 7.3 You may cancel the funeral plan (meaning You are ending the Contract) at any time without telling us the reason but we may have to charge You as set out below. If You wish to cancel the funeral plan, You must contact us in writing, which includes by email, or by telephone and return the Funeral Plan Certificate to us. Our contact details are set out on the first page of this document. 7.4 If You are cancelling the funeral plan for a reason set out in 7.4.a to 7.4.d below, the Contract will end immediately and we will refund You in full for any amounts paid: a. we have told You about a change we need to make and You do not agree; b. we have told You about an error in the price and You do not want to proceed; c. You have a legal right to end the Contract because of something significant we have done wrong; or
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