All four of our funeral plans allow you to pay for your funeral in advance, securing a funeral at today’s price and avoiding inflation costs. You can rest assured that when the time comes your final wishes will be carried out by the caring and professional funeral director nominated by yourself.

Anyone over the age of 18 can buy a funeral plan for themselves or on behalf of someone else. There is no upper age limit and no good health or medical requirements.

Yes, quite a lot of our clients do this. All correspondence will be sent directly to the person arranging the funeral plan. Identification will be required for both the person arranging the funeral plan and the plan holder. See form D of the application pack for identification requirements.

We have appointed Havencare Management Limited as Haven’s appointed representative. Havencare are a local, family run business that own 24 funeral homes in the East Lancashire, Greater Manchester and West Yorkshire areas.
They have been established for over 40 years and have a wealth of experience within the funeral industry.
Their staff are trained to a high standard and the funeral home staff have all recently completed training to enable them to sell funeral plans compliantly ready for when the industry’s new regulator the Financial Conduct Authority begin regulating on 29th July 2022. Please refer to the Haven brochure or the website for a full list of the funeral homes.

Yes, included within the price of your funeral plan is a £250.00 administration fee. This is to cover the day to day running costs of Haven Personal Funeral Plans Ltd.

Your money is transferred into the Haven Funeral Trust, where it stays until time of need. The amount paid into the Haven Funeral Trust is the total amount paid for the funeral plan less the £250.00 administration fee.

	Simple Farewell	Simplicity	Selective	Sovereign
Total Funeral Plan Cost	£3085	£3585	£3985	£4285
Administration Fee	£250	£250	£250	£250
Total Paid into Trust	£2835	£3335	£3735	£4035

Your money is held in a separate Trust, The Haven Funeral Trust, which is managed by an independent board of Trustees that utilises the financial expertise of PM+M and AJ Bell, and their leading investment and advisory services. Through extensive research, due diligence and back testing, a proactive investment approach has been created that delivers an exceptional service, facilitating more consistent investment outcomes.
In addition to the independent oversight by the Trustees the fund is subject to an independent annual audit and actuarial review, to ensure our clients monies are managed in the best possible way. A copy of the actuarial review is available to download on the investment security page, alternatively you can email or give us a call.

From the total cost of the plan, Haven Personal Funeral Plans receives a £250 administration fee, and the remaining balance is placed into the Haven Funeral Trust. For illustration we have included the current wholesale costs of the benefits received under the plan. The amount transferred into the trust is greater than the current wholesale cost. This is to cover the future costs of delivering the funeral, which are likely to be increased due to inflation. This allows us to fix the price, meaning you will not be charged more at the time of need.

	Simple Farewell	Simplicity	Selective	Sovereign
Current wholesale costs of the plan benefits	£2,308.21	£2,328.65	£2,655.74	£3,060.63
Amount transferred to trust to cover future cost	£2,835.00	£3,335.00	£3,735.00	£4,035.00
HPFP Administration charge	£250	£250	£250	£250
Total Costs of plan	£3,085.00	£3,585.00	£3,985.00	£4,285.00

The table on our plans page sets out each individual plan’s features view here The four funeral plans include the standard crematorium fees.

All four of the funeral plans are based on providing a cremation. Where burial is preferred, Haven enables you to select a burial at the current price in your area and incorporate the additional cost into the final price of your chosen funeral plan. Haven will contribute the cost of a standard crematorium fee towards the burial and standard minister’s fee.

The following items are not included in any of the four funeral plans:

• Doctor’s fees
• Floral tributes
• Catering
• Burial disbursements above the cost of all Crematorium disbursements
• Additional mileage above the 20-mile radius
• Obituary notices
• Order of service sheets
• Crematorium webcast fee
• Removal of pacemaker
• Ashes casket / Scatter tube

If required, these items can be purchased at today’s cost and included in the final cost of your funeral plan. Alternatively, your family or next of kin can purchase these at time of need.

Absolutely, you can personalise 3 of the funeral plans – Simplicity, Selective and Sovereign. Unfortunately, we do not allow changes to the Simple Farewell. Please visit the website for some ideas on personalisation. If you have your own idea’s, the dedicated funeral home staff will be more than happy to discuss these with you.

Yes, you can cancel your funeral plan at any time. If you cancel within the cooling off period of 37 days, or within 12 months when paying in instalments, then you will receive a full refund.
Should you decide to cancel outside of these periods, a cancellation fee of £120.00 will be payable. You will therefore receive a refund of the amount paid for the funeral plan plus any extras less the £120.00 cancellation fee.

You can either pay in full in the following ways:

• By cheque – made payable to Trustees of the Haven Funeral Trust – Client’s account.
• By BACS – Account Ref 21209213, Sort Code 40-38-03, Account. name Trustees of the Haven Funeral Trust – Clients Account.
• By Card – either over the telephone by ringing 01706 230285, or by payment link which will be sent to you by a member of the Haven team.

OR you can pay by direct debit, splitting the amount over 12 equal monthly instalments, interest free.

If you chose to pay over 12 months and die during that period, before the instalments have been repaid in full, the funeral will not be carried out and a full refund of all monies received to date will be repaid to your estate. Alternatively, for your planned funeral to go ahead, we would ask your next of kin to pay the remaining balance.
However, if the death is as the result of an accident, the funeral will still be provided by Haven, with no further payment required.

If you move within our Nominated Funeral Directors area the funeral plan can be transferred to an alternative Nominated Funeral Director at no extra cost. Should the move be outside of the Nominated Funeral Directors area then the total monies paid for the funeral plan will be refunded less a cancellation fee of £120.00.

Your Nominated Funeral Director will arrange for collection from anywhere within the UK, additional costs will be incurred for the extra mileage and there could be costs for the removal and storage from a funeral director local to the area that you die. If you die abroad, there will be additional costs for repatriation. These will all be charges to your next of kin at time of need. Some travel insurance policies cover the cost of repatriation, check your policy to see if you are covered.

No problem, we understand that over the years, circumstances may change. You can make any number of changes, there is no charge for making changes to your original funeral plan. Although if the change involves an addition to your funeral plan, this may incur a cost which will be payable at the time the change is made.

Within 5 working days you will receive a plan holder pack containing a welcome letter, payment confirmation, funeral plan certificate, funeral plan summary, terms & conditions, complaints procedure, details of what to do at time of need and a credit card sized card detailing Haven contact numbers and your funeral plan membership number for you to carry with you at all times.

During the application process, you will be asked if you would like to appoint a nominated representative. This is entirely your choice, and you will have the decision to opt out if you so wish.
If you would like to appoint a nominated representative, we will send them details of your funeral plan, what to do at time of need and details on how to make a complaint at the same time that you will receive your funeral plan pack.

In the unlikely event that Haven Personal Funeral Plans Ltd has to close either a full refund will be given, or the funeral plan contract will be passed onto another funeral plan provider with the intention that the funeral is still carried out by the nominated funeral director. By agreeing to our terms and conditions you consent to the future transfer of your plan to another provider in the event of firm failure.

If you wish to make a complaint, you should inform us of your complaint in the first instance. Our contact details are as follows:

1. Email: By emailing us at [email protected]
2. Telephone: By calling us on 01706 230285
3. By post: at Cedar Lodge, 227 Bury Road, Rawtenstall, Rossendale, Lancashire, BB4 6DJ.

If you remain unhappy with our response, you may be able to refer the matter to the Financial Ombudsman Service.
Financial Services Compensation Scheme