2 funeral plans

Bobs_Mum

Hello, my father-in-law just passed away. Turns out he had one Golden Charter funeral plan with the undertaker, but he must have signed another funeral plan with the Co-op years earlier.

The one with the undertaker will cover about 80% of the costs. We were left money for the funeral as well, so there won't be problems paying. Would it be possible to get the second one (Co-op) paid out instead of using it to cover the funeral? I'm not quite sure how to proceed with this and what's possible or not…. Cheers!

Woodstok2000

It depends on the policy wording, but it looks like coop policies cover the funeral itself, not paying cash for you to arrange it:

How does my plan work?

When we are notified about your death, we will ensure that one of our Funeral Directors delivers the funeral services in accordance with your plan.

However, it looks like you could cancel it and get a refund (minus admin costs):

"Our funeral plans can only be carried out by one of our Funeral Directors. If the person arranging your funeral chooses to arrange your funeral with another funeral services provider who is not approved by Co-op Funeralcare, we reserve the right to cancel your plan. However, we’ll discuss this with the person arranging your funeral first. If your plan is cancelled, then we’ll refund what you’ve paid including any deposit to your estate (less our cancellation fee of £125)."