Funeral plan key features. Important information about burial plans. Terms and Conditions
b. if you tell us 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 more than 7 days from the date we confirm your nominated Funeral Director, we will refund you in full the amounts you have paid less a cancellation fee of £200. This 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. c. 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. 8. Our rights to end the Contract 8.1 We may end the Contract and so not have any obligation to provide the funeral plan if: a. you do not pay amounts when due, and have not done so with 10 business days of being notified of a second missed payment. b. you have not provided the information we require set out on the funeral plan arrangement form; c. we decide to cancel the Contract because you have told us about a failure on your part caused by something beyond your reasonable control; d. the funeral plan has not been redeemed by the 110th birthday of the person to whom the funeral plan relates or we have reasonable cause to believe the funeral has already taken place and we have not heard from you within 6 months of contacting you at your last known address. 8.2 If we terminate the Contract for the reasons set out in Clause 8.1 a to c, we will refund all amounts paid less a cancellation fee of £200 (being 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). 8.3 If we terminate the Contract for the reason set out in Clause 8.1d, we may keep any amounts you have paid unless we hear from you and you wish to cancel the Contract. In this case, we may cancel the Contract and refund all amounts to you less a cancellation fee of £200. This 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 you miss an instalment payment, we will write to you with a reminder within 5 business days. If you miss the next subsequent payment due, we will again write to you with a reminder within 5 business days. If after a further 10 business days of the second reminder letter being sent payment has still not been received, then we reserve the right cancel the plan and charge a £200 cancellation fee. Any cancellation fee will be in the form of a deduction from the value of the refund payable to you. We may also charge you third party fees, if we have incurred these costs and cannot recover them. The recovery of any third party fees will in the form of a deduction from the value of the refund payable. 9. Circumstances beyond the control of either party 9.1 If for any reason the funeral cannot be provided in accordance with the Contract, for example, we are unable to provide the services and items as listed on the funeral plan certificate, we will discuss suitable alternatives with you but this will not affect your right to cancel the Contract in accordance with Clause 7. 9.2 In the event of any failure by either of us because of something beyond our respective reasonable control: a. the affected party will advise the other as soon as reasonably practicable; and b. the affected party’s obligations will be suspended so far as is reasonable, and provided that the affected party will act reasonably, the affected party will not be liable for any failure which it could not reasonably avoid, but this will not affect the other party’s right to cancel this Contract. 10. Security and Continuity of Your Plan 10.1 The payments made by you to us for your funeral plan are invested by us in a unitised whole of life insurance policy with Royal London Mutual Insurance Society Limited (the “Insurer”) under which you are the named Life Assured (“your funeral insurance policy”).
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