Funeral Plans are they worth it?

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I took out a funeral plan around two years ago with Golden Charter. I paid off the funeral plan in full, when discussing the plan I thought that the only additional cost could be the Crematorium fee, because the council is responsible for increasing this fee annually.
A few days ago I received a letter from Golden Charter which stated that some of the items on the funeral plan are subject to extra contributions. These are Crematorium fee (expected), Doctors fee, Officiant fee, Floral tributes, Order of service, Community Council (burial plot) and Cremation stone.
I thought the whole idea of taking out a funeral plan was to pay off the funeral so the family and yourself don't have to worry about being presented with a large bill in the event of a death.
Do all funeral plans operate in the same way and can increase costs in the event of a death? If so what is the point of a funeral plan?
A few days ago I received a letter from Golden Charter which stated that some of the items on the funeral plan are subject to extra contributions. These are Crematorium fee (expected), Doctors fee, Officiant fee, Floral tributes, Order of service, Community Council (burial plot) and Cremation stone.
I thought the whole idea of taking out a funeral plan was to pay off the funeral so the family and yourself don't have to worry about being presented with a large bill in the event of a death.
Do all funeral plans operate in the same way and can increase costs in the event of a death? If so what is the point of a funeral plan?
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In general though I've never been all that convinced about funeral plans being worthwhile. If you can afford a funeral plan now, you'll almost certainly be able to afford a funeral when the time comes. And there'll be instances of the funeral plan never being used (unprotected providers going bust / families/executors not knowing there was a funeral plan taken out decades ago / death ends up being abroad or the desired funeral not being covered for some other reason, etc).
I bought 2 funeral plans, myself and my wife in October 2008 from the Co-op and paid cash
They include
Coffin
Hearse
2 cars
Removal
Professional services
Church fee
Organist fee
Minister for church and grave
Grave fee
Embalming
Each cost £2183
The double plot cost £120 extra
I buried my wife in 2012 and was charged no extras
I only needed to buy flowers
No Idea what a funeral cost now but I guess a lot more than I paid
So to me it was very much worth it
I've been involved in 4 funerals now where funeral plans were used and I'd say they have been incredibly helpful both financially and in terms of the wishes expressed in advance.
It might depend on the package you buy. There may be choices to make and if you pay for the minimum package then there will be extras to pay later on, whereas if you pay for everything up front there should be little if anything to pay later on.
I don't recall having much to pay in the ones I've been involved in (there's usually the wake to pay for).
2 were golden charter and I don't recall extras (although we didn't get refunds either for services not provided during covid).