TCF - Southern Co-op Funeral Plan - Terms & Conditions

Funeral plan key features. Important information about burial plans. Terms and Conditions

preparation of the paperwork etc. 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 on cancellation of the funeral plan. 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 arrangement plan so far as reasonably possible and invoice your personal representatives for any difference in cost; or b. cancel the Contract and refund the amounts paid less an cancellation fee of £200. This is a genuine pre-estimate of the contribution towards the costs we incur in arranging cancelling the funeral plan for you, such as the administration involved as, the cost of the initial consultation and the preparation of the paperwork etc. 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 on cancellation of the funeral plan. 5.5 In the event that we apply Clause 5.3b or 5.4b in relation to funeral plan and the funeral plan is redeemed within 30 days of the date of the funeral plan arrangement form, the cancellation fee shall not be applied. 5.6 The Funeral Director named on the funeral plan arrangement form will arrange your funeral in accordance with the Contract at no additional cost, although you should be aware of the excluded items- please see clause 5.7. Notwithstanding this, however, the funeral plan is fully transferable to any 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 end the Contract and cancel the funeral plan. We will refund you the amounts paid less a cancellation fee of £200. Please see Clause 7 for details. 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 extra services, such as, removal of artificial limbs and pacemakers; transportation of the body for a distance of over 50 miles or repatriation from abroad. Additionally, there are a number of items that are not covered by our funeral plans which involve a burial because they may not be required for every burial, and because there is a wide variation in costs and regulations in the UK for 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 don’t meet the criteria for a local resident set out by the Local Authority, then there may be additional fees to pay; c. the cost of memorials and headstones, including the repair, cleaning, re-fixing or additional inscriptions (unless a specific memorial plan has been purchased); d. the cost of a temporary grave marker, which in some cemeteries is placed on a grave after the funeral until a headstone can be erected. 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 any amounts or make any credits against additional services, if any of the services included in the funeral plan do not form part of the funeral. 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.

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