Golden Charter Pre-Paid Funeral Plan
Plan ahead with confidence — arrange the funeral you want at today's prices
Plan Ahead with Peace of Mind
A funeral plan is an easy way to arrange the funeral you want in advance. A plan allows you to specify your wishes and pay for the funeral director's services included in your plan. As customers often tell us, that can bring peace of mind to you and your family.
A plan from Golden Charter also includes an allowance towards third party costs. These are essential, non-funeral director services such as the cremation or burial fees, plus the minister or officiant's fee to perform the service. The value of the allowance included in your plan may grow over time. There will only be more to pay at the time of the funeral if the third party costs exceed the allowance when you buy your plan, or if the costs increase by more than the growth of your plan.
At MacGregors, we work in partnership with Golden Charter to provide you with a simple way to plan ahead. As one of the UK's largest funeral plan providers1, Golden Charter has helped over 1 million people to plan ahead2, so we're completely confident in offering their plans to you.
Everyone has different needs when it comes to funeral planning, so we make sure the plans we offer are as flexible as possible. When you get in touch, we'll be happy to discuss your funeral requirements and tailor a plan to suit you. Rest assured a plan from Golden Charter is available to all UK residents, regardless of age or state of health.
Would you like to know more information about how a Golden Charter funeral plan could work for you? We can provide you with all of the information you need to make an informed decision for you and your family, so get in touch today.
What's Included in a Pre-Paid Funeral Plan?
Our funeral director's services will be covered in your funeral plan, which means our fees will be fixed at today's prices and protected against rising costs. These services typically include:
- Professional services and making arrangements for the funeral
- Transportation of the deceased from the place of death to our premises, chapel of rest or other suitable location
- Care of the deceased and preparations for family viewing if requested
- Advice on the certification and registration of death and related documentation
- Provision of funeral vehicles
- Advice on bereavement counselling
- Coffin or casket requested
Although a pre-paid funeral plan can cover all of the services above, there are some additional third party costs to consider. These are the costs for essential, non-funeral director services required to carry out a cremation or burial. Depending on the plan type chosen, a Golden Charter funeral plan can include a contribution towards some third party costs. They may include:
- Crematorium fee
- Minister or officiant's fee
- Cemetery fee: the opening of a new or existing grave for burial or interment of cremated remains
Other third party costs that may be associated with a funeral include:
- Purchase of grave or lair
- Hire of church or other venue
- Fees for organist or soloist
- Memorial, such as a headstone, entry in a book of remembrance, or the planting of a tree
- Catering, floral tributes and newspaper announcements
Looking After You as a Customer
As a Golden Charter plan holder, you'll receive personalised plan documents, which include a summary of your plan, our details, your plan holder certificate and a personal membership card for you to carry in your purse or wallet.
You can add a nominated representative to your plan if you wish to do so. Your nominated representative will receive a letter which will provide details of your plan and our details, as your chosen funeral director. They will have no authority to make changes to your plan.
You'll also receive a statement from Golden Charter every three years which will be sent via post.
As your funeral director, we'll hold full details of your funeral plan. When the time comes, one phone call is all it takes to activate your plan and get the arrangements underway.
1 Based on a Golden Charter analysis and independent research of the funeral plan market size as at December 2024.
2 Correct at July 2025.
MacGregor Family Funeral Directors is an appointed representative of Golden Charter Limited trading as Golden Charter Funeral Plans which is authorised and regulated by the Financial Conduct Authority (FRN:965279).
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