Pre-paid funeral plans
6. Price, instalments, payment and prepayment 6.1 The person who has signed the funeral plan arrangement form, is the person who is legally responsible for paying for the funeral plan. 6.2 The price you will need to pay is set out in the funeral plan arrangement form. The price will vary depending on the services selected but will include a fixed administration fee of £250 which is listed separately on the funeral plan arrangement form. 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 in 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, less any amount that would have been charged for the convenience of paying for future instalments. You can cancel the Contract either in writing or by telephone and we will, at your option, either: credit the full amount paid to date against the cost of a funeral arranged by us or we will refund you the full amount paid to date, less a cancellation fee of £200. Otherwise, you will still be liable to pay the full amount. Note that if you are paying by instalments and are within 24 months of the date of the funeral plan arrangement form, then no cancellation fee will be applied. 6.4 We undertake that the total charges, excluding the administration fee, 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. Your rights to end the Contract between us and charges payable 7.1 You can withdraw your instructions by telling us before you sign the funeral plan arrangement form and pay any amounts. If you simply wish to change your mind, you don’t need to give us a reason. 7.2 COOLING OFF PERIOD If you have entered into this Contract, you have a legal right to terminate this Contract for a period of 30 days from the date you were informed that the contract was concluded, ( You have an additional 7 days to cancel the plan 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 address and contact details are set out in 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 certificate to us. Our address details are set out above. 7.4 If you are cancelling the funeral plan for a reason set out in (a) to (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 d. you decide to cancel the Contract because we have told you about a failure on our part caused by something beyond our reasonable control. 7.5 If you are cancelling the funeral plan but it is not because of one of the reasons set out in Clause 7.4, the Contract will end immediately but we may charge you fees as follows, to cover costs we have incurred: a. if you tell us no more than 30 days after the date of the funeral plan arrangement form or, where we have not confirmed your nominated Funeral Director within that 30 day period, you tell us no more than 7 days after we have confirmed your nominated Funeral Director, we will refund you in full the amounts you have paid;.
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