A new report reveals that London has the highest average funeral cost in the UK, surpassing all other regions.
Financial services firm SunLife’s data indicates that the average funeral cost in 2024 was £4,285 nationally. However, London’s average reached £5,449—a 5.4% year-on-year increase and a staggering 58% higher than Northern Ireland, the least expensive region.
This disparity has ignited concerns about “funeral poverty,” with Quaker Social Action highlighting the significant emotional and financial strain on bereaved families.
Government assistance is available through the Funeral Expenses Payment scheme for eligible benefit recipients. SunLife’s report shows this subsidy covers approximately 46% of total funeral costs, on average.
Alternatively, local authorities provide public health funerals, offering a basic, cost-effective service.
Lindesay Mace of Quaker Social Action emphasizes the immense emotional toll, stating, “People don’t have the mental space to grieve because they’re preoccupied with the financial burden. They might use rent money for funeral deposits, cut back on food, or forgo essential bills.”
However, Clare Montagu of Poppy’s Funerals suggests cost-saving options that still allow for meaningful tributes. These include using simple, personalized cardboard coffins, providing personal flowers, and conducting self-led ceremonies.
SunLife’s Jordan Flynn notes that London has the lowest rate of pre-planned funerals and the highest number of funeral directors expressing significant financial concerns. He recommends obtaining multiple quotes and exploring cost-reduction strategies with funeral directors.
The report highlights simple attended cremations as the most prevalent funeral type, a more affordable option compared to direct cremations (unattended), which average £1,597.
Dan Garrett of Dignity reports a five-year increase in direct cremations, from 2% to approximately 20% of the market, largely due to their affordability. He notes that 89% of families choosing direct cremation subsequently hold separate memorial services.
SunLife’s data shows the overall cost of dying in 2024 reached a record high of £9,797, encompassing funeral costs, professional fees, and other expenses.
Ms. Mace points to insufficient government support and wage growth failing to keep pace with funeral inflation, noting that many costs have “outstripped general inflation over the last 20 years.”
A Department for Work and Pensions (DWP) spokesperson stated, “We understand the financial impact on families. The Funeral Expenses Payment scheme contributes towards funeral costs for eligible benefit recipients, with an additional £1,000 for other expenses.”
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