There are a number of questions we are asked regularly by clients arranging a Funeral Plan, Below are answers to the most common questions we receive.
Can I pay the Plan up in installments?
Yes. You are able to pay over 12, 24, 36, 48 or 60 months (1-5 years). Please note there is an additional cost for paying over 24, 36, 48 and 60 months. In the event you pass away before the full balance is paid the money you have paid into the plan will be used as a contribution towards your funeral. The remaining unpaid balance will be paid by your executor/next of kin at the time.
Will there be any more costs at the time?
Costs for a Donald McLaren Ltd Funeral Plan are charged at today’s prices and guarantees once a funeral plan has been purchased there will be no additional funeral directors costs except those previously explained here
Can I make changes to the plan later or cancel it?
Yes. If you decide you need an extra limousine, a different robe, or even a different committal you can contact us at any time to amend your plan and pay the additional costs for the amendments (if required). If you decide to cancel the plan after 30 days from the date of purchase you will receive a full refund, less the initial management fee.
Can anyone apply?
Anyone aged over 18 years of age can apply. There is no upper age limit and no medical or health questions to answer.
Can I buy a Plan for someone else?
Yes. Many people buy a plan for elderly relatives, friends or people in care.
What happens if I die abroad?
The funeral plan does not cover the cost of a funeral abroad, or the cost of repatriating the deceased. It is therefore important that your travel insurance policy adequately covers this eventuality.
What if I move?
You can transfer your funeral plan to an accredited funeral director near your new home, or receive a full refund (less the management fee). Please note when transferring to another funeral director there may be additional costs to be paid as local authorities and other funeral directors prices vary throughout the UK. Please refer to the Terms and Conditions of your plan for full details.
Can my family change the arrangements at the time of the funeral?
Yes. If your family decide they would like additional services, for example, an extra limousine your family will just pay for the additional service at the time. Please note that additional services taken by the family at the time will be charged at future prices.
I have read an advert that I can take a plan out with another funeral plan provider and at the time of need my family will be able to choose Donald McLaren Ltd, is this true?
Absolutely not. Donald McLaren Ltd is a privately owned business and is not part of a larger corporate structure, nor do we employ agencies or any other funeral planning company to act on our behalf. The only way to ensure Donald McLaren Ltd carry out the funeral is to contact us directly.
What happens to my money if Donald McLaren Ltd cease trading?
A Funeral Plan from Donald McLaren Ltd gives you exceptional financial security for your money. Every penny of the full value of the funeral plan (excluding the initial management fee) is invested in a whole of life assurance policy and ring-fenced to pay for your funeral. The funds are held in a Perfect Choice Funeral Plan, provided by Ecclesiastical Planning Services Limited.
Perfect Choice Funeral Plan funds are held in guaranteed whole of life assurance policies with a life assurance company that is authorised by the Prudential Regulation Authority (PRA) and regulated by the PRA and the Financial Conduct Authority (FCA). Funeral plans themselves are not regulated by the PRA or FCA but are regulated by the Funeral Planning Authority.
Ecclesiastical Planning Services is registered with the Funeral Planning Authority, who exist to help protect consumers’ interests within the UK Funeral Planning sector and delivery of your funeral is regulated by the National Association of Funeral Directors (NAFD) Code of Practice. Perfect Choice Funeral Plans are recommended by the NAFD
This ensures that, no matter what happens to Donald McLaren Ltd, your funeral plan funds are safe and secure.