Terms and Conditions | 2014

Printable version of the Terms and ConditionsPrintable version

 

1. Eligibility
Paying in full with a single payment or paying over a set period The Plan Holder is eligible for either of these Payment Arrangements where they are at least 18 years of age at the Start Date of the Selected Plan. There are no medical or health questions.

Paying by Fixed Monthly Payments
The Plan Holder is eligible for this Payment Arrangement where the Plan Holder is aged 50-80 at the Start Date of the Selected Plan. There are no medical or health questions.

2. Application Form
By sending your Application Form to us, either directly or via your Co-operative Funeralcare Funeral Director, you are agreeing to buy your Selected Plan from us under these Terms and Conditions. The Application Form must be signed by the Plan Purchaser, who has the contractual rights to, and obligations for, the Plan, including meeting the Payment Arrangement. All correspondence will be issued to the Plan Purchaser (who may also be a Plan Holder).

3. Issuing your Plan Summary
This confirms your Plan Benefits. It will be issued to the Plan Purchaser, (who may also be a Plan Holder) as part of the contents of the Plan Documents Folder, on receipt and processing of the completed Application Form and the associated Payment Arrangement. If you lose the Plan Summary, you should tell us, in writing, and we will send you a duplicate copy.

4. Mainland Great Britain and Northern Ireland only
Paying in full with a single payment or paying over a set period The Plan Benefits apply only to funerals in mainland Great Britain or Northern Ireland.

If the Plan Holder dies outside these areas or the Plan Holder wants their funeral to take place outside these areas, we have the right to refund the payments made to the Plan Purchaser or to the Plan Holder’s estate as appropriate, less a Cancellation Charge (see 19).

If the amount paid to us is less than the Cancellation Charge, we have the right to ask for the balance of the Cancellation Charge to be paid. If we cancel the Plan, we will have no further responsibility to provide the Plan Benefits.

Paying by Fixed Monthly Payments
The Plan Benefits apply only to funerals in mainland Great Britain or Northern Ireland. As there is no cash-in value at any time, no payments would be refunded to either the Plan Purchaser or the Plan Holder’s estate if a decision to cancel was taken and you would not be entitled to the Plan Benefits. Due to their variable and unpredictable nature, the costs of repatriation from outside mainland Great Britain and Northern Ireland are not included in any of our Funeral Plans, including Tailor-made Plans. We may be able to arrange repatriation at the time of death for an additional charge. The Funeral Director will provide help and advice with this matter. If the Plan Holder is repatriated, then the Selected Plan can be used in the usual way, provided that the funeral takes place in mainland Great Britain or Northern Ireland.

5. Eligibility for the Plan Benefits
Paying in full with a single payment

You are entitled to the Plan Benefits as soon as your completed Application Form has been processed and your funds have cleared to settle the payment in full.

Paying over a set period
You are entitled to the Plan Benefits at the end of the set period, provided you have settled the payment in full, including any Instalment Charge applicable for this facility.

Paying by Fixed Monthly Payments
If you have chosen to pay by Fixed Monthly Payments, in order to receive the Plan Benefits, you must keep up the payments until the anniversary of the Start Date prior to the Plan Holder’s 90th birthday, or until the death of the Plan Holder if sooner. If you stop paying your due Fixed Monthly Payments for any reason, your Selected Plan will be cancelled, you will not receive your Plan Benefits and you will not get any money back.

If you have chosen to pay by Fixed Monthly Payments and the Plan Holder dies within two years of the start date, there is no entitlement to the Plan Benefits. However if the payments have been kept up, the Plan Purchaser (or their estate if they are also the Plan Holder) is entitled to a payment from us equivalent to 120% of the Fixed Monthly Payments we have received.

6. Paying for your Selected Plan
Paying in full with a single payment or paying over a set period

You may pay in full with a single payment using only the payment methods shown in the Brochure and on the Application Form. To pay over a set period, you must pay by Direct Debit and you may only choose to pay over one of the set periods shown in the Brochure and on the Application Form. You must pay the set amount each month until the Selected Plan is paid for in full. If you purchase more than one Plan, and you wish to pay over a set period, then you must have a separate Direct Debit Payment Arrangement for each of the Plans purchased.

If you are paying over a set period and do not keep to the Payment Arrangement at any time, we will allow 30 days of grace during which time you can pay the outstanding payment due and your Selected Plan will remain in place. If the outstanding payment is not received within 30 days, we may cancel the Selected Plan and return the money you have paid us under the Payment Arrangement, less a Cancellation Charge (see 19). If the amount paid to us is less than the Cancellation Charge, we have the right to ask you to pay us the balance of the Cancellation Charge.

If you are paying over a set period and the Selected Plan has not been paid in full at the time of the Plan Holder’s death, you (or the Plan Holder’s Representative if the Plan Holder was the Plan Purchaser) have the option to

either:

pay any amount still owing as a single payment, and we will issue a receipt as proof of
payment. We must receive this payment in full before the funeral can be arranged. If
not, we cannot provide the Plan Benefits.

or:

cancel the Selected Plan by writing to us. In this case, we will return all the payments made under the Payment Arrangement to you (or the Plan Holder’s estate if the Plan Holder was the Plan Purchaser), less a Cancellation Charge (see 19). If the amount paid to us is less than the Cancellation Charge, we have the right to ask for the balance of the Cancellation Charge to be paid. If this happens, we will have no further responsibilities to provide the Plan Benefits.

Paying by Fixed Monthly Payments (available for Set Cremation Plans only)
If you have chosen to pay by Fixed Monthly Payments, you must pay by Direct Debit. The amount of the Fixed Monthly Payment is defined by the Set Funeral Plan chosen, as well as the age of the Plan Holder. We will confirm the Fixed Monthly Payment in writing, once we have received and processed your Application Form. Once agreed, the amount of your monthly payment is fixed and will not vary over time. The first payment will be due within one month of the Start Date of your Selected Plan. You must keep up the payments until the anniversary of the Start Date prior to the Plan Holder’s 90th birthday, or until the death of the Plan Holder if sooner. If you do not keep to the Payment Arrangement, after you have paid your first Fixed Monthly Payment, if any subsequent Fixed Monthly Payments are not paid on the due date, we will allow 30 days of grace during which time you can pay the outstanding Fixed Monthly Payment and your Selected Plan will remain in place. If the outstanding Fixed Monthly Payment is not received within the days of grace, your Selected Plan will be cancelled, you will not be entitled to the Plan Benefits and you will not get any money back. If the Plan Holder’s date of death is more than two years from the Start Date and there are Fixed Monthly Payments outstanding at the time of the death of the Plan Holder, these must be paid to us prior to receipt of the Plan Benefits. The maximum that can be outstanding is two Fixed Monthly Payments.

Whatever Payment Arrangement you have chosen, we may ask another organisation to
collect or receive the payments if you default on your payments, and fail to abide by the
Terms and Conditions stated here.

7. How to claim the Plan Benefits
Your Representative can claim the Plan Benefits at any funeral home that is part of The Co-operative Group Limited, other participating co-operative societies and any other Funeral Director affiliated to The Co-operative Group Limited. After the death of the Plan Holder the Representative must present the Funeral Director with:

  • The Plan Holder’s Death Certificate and disposal certificate; and
  • The Plan Summary (or a duplicate copy we have issued)

We will not be able to provide the Plan Benefits until we have the Plan Summary and an original copy of the Death Certificate. If your Representative decides not to receive any particular Plan Benefits that are detailed on the Plan Summary and that you are entitled to under the Selected Plan, you will not get a refund.

8. Unused services and additional services
No changes to the services in a Funeral Plan can be made following the death of the Plan Holder, either before or during the arrangement of their funeral.

The following conditions apply:

  • If the Plan Holder’s Representative chooses not to use any of the services included in the Plan, then these are non-refundable.
  • If the Plan Holder’s Representative chooses to arrange additional services which are not included in the Plan, then these will need to be paid for by the Representative when the funeral is arranged.

9. What costs are INCLUDED in your Selected Plan?
Only those items specified below are included in your Selected Plan. Any service or fee not mentioned below is excluded from your Plan Benefits, even if not mentioned in the examples of exclusions in Section 9.

Set Cremation Plans
Provided the Payment Arrangement has been met, our Set Cremation Plan guarantees to cover:

  • All of the Funeral Director’s Services and Fees included in your Set Cremation Plan as detailed in the Brochure and on your Funeral Plan Summary.
  • The Third Party Charges included in your Set Cremation Plan which comprise:
    • Doctors’ medical fees (up to the maximum amount set by the British Medical Association).
    • Fees for cremation at a local crematorium.
    • Minister or Officiant’s fee to perform a service at a local crematorium.

Tailor-made Plans
Provided the Payment Arrangement has been met, our Tailor-made Plan guarantees to cover the services itemised and costed on the Application Form. Only those services itemised and costed on the Application Form are included in the Plan Benefits.

10. Some examples of costs that are EXCLUDED from your Selected Plan

Examples of exclusions from Set Cremation Plans

Set Cremation Plans include ONLY those services specifically detailed within the Brochure and on your Funeral Plan Summary. Exclusions include, but are not limited to:

  • A ceremony/service at a different location to that where the cremation is to take place, either before or after the cremation, is not included.
  • All costs related to the interment or disposal of ashes - such as Local Authority fees, Ministers’ fees, ashes caskets, transport costs, and any associated Funeral Director’s services necessary to carry out these arrangements - are not included.
  • Charges relating to the provision of an organist, choir or live music (e.g. soloist, band) at the funeral ceremony/service are not included.

Exclusions from Tailor-made Plans
Only items specified and costed on the Application Form completed with The Cooperative

Funeralcare Funeral Director/member of The Co-operative Funeralcare Funeral Planning Team are included in your Tailor-made Plan. Examples of exclusions include, but are not limited to:

  • Where a burial has been chosen, the Tailor-made Plan does not include the purchase of a grave. Unless a grave is pre-purchased, we cannot guarantee that the burial can be carried out at the chosen location, as the availability of a grave is entirely outside the control of the Funeral Director. We recommend that a grave is pre-purchased wherever possible to ensure that the burial can take place in the chosen location. If a grave is not prepurchased (either at the time of arranging the Funeral Plan or at any time prior to the funeral) then your Representative will need to purchase one at the time of arranging the funeral before we will be able to deliver any of the Plan Benefits.
  • Where the Plan Holder is not eligible for burial as a resident under the criteria specified by the Local Authority who operate the chosen cemetery, multiple or increased interment fees may be applicable. Unless these are detailed on your Application Form, multiple or increased interment fees are not included in your Tailor-made Plan.
  • Where additional costs are incurred by the Funeral Director, or there are additional Third Party Charges, as a result of a change of address of the Plan Holder.

Circumstances in which additional payments for Funeral Director’s Services and Fees/Third Party Charges may apply at the time of the funeral

For any of our Funeral Plans, we have the right to charge reasonable additional amounts at the time of the funeral for certain items or services, including additional amounts charged by Third Parties. These include, but are not limited to, the items/services below:

  • If the Plan Holder’s Representative requests that the funeral is conducted during a weekend, public holiday or out of normal hours as defined by the local cemetery, churchyard, graveyard or crematorium authorities.
  • Any additional costs associated with the provision of necessary vehicles and/or personnel required to comply with a request from the Plan Holder’s Representative to carry out a funeral at a specific time or date where this requires additional staffing/vehicles to be provided by the Funeral Director.
  • Removing artificial limbs and mechanisms such as pacemakers.
  • Transportation of the deceased outside a 50-mile radius and/or via routes that incur an additional charge by Third Parties (such as a ferry crossing); should this be required, we will be entitled to charge a reasonable additional mileage charge and/or the costs charged by Third Parties.
  • To reflect the effect of any change in regulations, tax and laws on our performance of the Plan Benefits.

11. Tailor-made Memorial Masonry Plans
If you have chosen to arrange a separate Tailor-made Plan for a new memorial, or for an

additional inscription and/or cleaning work on an existing memorial, then the following additional Terms and Conditions will apply:

    • All specifications for memorials (including, but not limited to, size, type of stone, style of lettering, permitted designs) are governed by the authorities operating the cemeteries and churchyards and are subject to change over time. We have no control over these regulations. Our ability to provide your chosen memorial will be influenced by the regulations prevailing at the time your memorial is ordered (i.e. after the death of the Plan Holder).
    • Once the funeral has taken place, following confirmation of the details with your Representative, we will place the memorial order. From this point, our standard conditions of sale and supply of memorial stones will apply. The Funeral Director will provide your Representative with a copy of these when the order is placed.
    • It is the responsibility of the Plan Purchaser to ensure that a grave is purchased separately. Details of the purchased grave will be requested by the Funeral Director when a Memorial Masonry Plan is arranged. If a grave is not purchased in advance of the funeral, then we cannot give any guarantee that the requested memorial can be erected in the chosen location. If the Plan Benefits cannot be provided due to a grave not having been purchased, then we have the right to refund any payments made, less the Cancellation Charge as outlined in paragraph 19, and we will have no further obligation to provide the Plan Benefits.
    • If both a Tailor-made Funeral Plan and a Tailor-made Memorial Masonry Plan are purchased, and the Plan Purchaser chooses to pay by Direct Debit, then a separate Payment Arrangement will be required for each of the Plans.
  • It is not necessary for the Plan Holder to hold a Co-operative Funeralcare Funeral Plan prior to taking out a Memorial Masonry Plan.

12. Funeral Requests (Set Plans only)
If any Funeral Requests have been recorded with us, these will be passed on to the Funeral Director at the time of arranging the funeral. Funeral Requests are not part of your Plan Benefits and the Funeral Director cannot guarantee to carry them out.

Neither we, nor the Funeral Director, are liable for the provision or cost (if any) of the stated Funeral Requests. Any additional costs will be notified to the Plan Holder’s Representative at the prevailing price at the time of arranging the funeral, and payment will be required before the services can be provided.

13. Funeral Plan Arrangement Requests (Tailor-made Funeral Plans only)
If any Funeral Plan Arrangement Requests have been recorded with us, these will be passed on to the Funeral Director at the time of arranging the funeral. The Funeral Director cannot guarantee to carry out these requests. Neither we, nor the Funeral Director, are liable for the provision or cost (if any) of the stated Funeral Plan Arrangement Requests unless, where relevant, the item has been specifically included on the Application Form for a Tailor-made Funeral Plan and paid for as part of your Selected Plan. Any additional costs will be notified to the Plan Holder’s Representative at the prevailing price at the time of arranging the funeral, and payment will be required before the services can be provided.

14. Plan Discounts (if applicable)
No discount can be claimed retrospectively. Any discount must be validated and deducted from payment at the time of purchase of the Plan. Multiple discounts cannot be used against a Plan purchase at any time. Any discount is applied to the total price payable for the Plan i.e. after the Instalment Charge has been applied. No discounts can be claimed if paying by Fixed Monthly Payment.

15. The Co-operative Membership points
The Terms and Conditions of The Co-operative Membership apply to the purchase of a Plan. Only the Plan Purchaser is entitled to Co-operative Membership points and only if they provide a valid Co-operative Membership number at the time of completing the Application Form. Co-operative Membership points cannot be allocated retrospectively.

For more information on The Co-operative Membership, go to our website:
www.co-operative.coop/membership

16. Availability
The passage of time and changes in personal circumstances may affect the availability of certain arrangements, products or services, such as coffin type, memorial materials/design, location of ceremony, or availability of specific personnel. If this happens, we may have to provide reasonable alternative places, products or services, or instruct reputable agents to provide the funeral on our behalf.

17. Changing your Selected Plan or buying a different Plan

Set Funeral Plans
We cannot change or amend a Set Funeral Plan, for example by adding or removing individual items or services. If during the life of your Selected Plan you wish to change to a different Funeral Plan, you will be required to cancel your original Selected Plan and you will need to purchase a new Funeral Plan.

  • If you paid in full with a single payment or paid over a set period, then we will return the monies you have paid to us, less a Cancellation Charge (see 19). If the amount paid to us is less than the Cancellation Charge, we have the right to ask you to pay us the balance of the Cancellation Charge.
  • If you paid by Fixed Monthly Payments, you will not get any money back.
  • Should you want to change to a different Funeral Plan, you must return to us, at the address stated on the reverse of this document, your Funeral Plan Summary, and any copies we have sent to you. It will be necessary for you to complete a new Application Form stating your revised Funeral Plan selection, sign the Declaration and return it to us at the same address along with your payment or chosen payment method. The price payable by you for the newly selected Funeral Plan, and the Terms and Conditions, will be those prevailing at the time.

Tailor-made Plans
We can make reasonable changes to Tailor-made Plans at any time during the life of your Tailor-made Plan on your instruction. Changes must be discussed with either your local Co-operative Funeralcare Funeral Director or The Funeral Planning Team.

If you call The Funeral Planning Team, any requests must be followed up in writing. Costs for the addition of further services will be provided at the prices prevailing at the time of the change request. All additions must be paid for in full with a single payment before your Tailor-made Plan can be amended. We will issue you with a new Plan Summary once all additional items have been requested and paid for in full. In the event of any removal of services from your Tailor-made Plan, the amount refunded will be the amount paid for the services when you took out the Tailor-made Plan. If you move house and have a Tailor-made Plan, please contact your local Co-operative Funeralcare Funeral Director or The Funeral Planning Team, as we may need to make changes to your Tailor-made Plan in order to deliver the Plan Benefits. Costs for any required changes will be provided at the prices prevailing at the time of the change request.

These must be paid for in full with a single payment before your Tailor-made Plan can be amended. We will issue you with a new Plan Summary once the required changes have been made and paid for in full.

Joint Tailor-made Plan
The Application Form and your agreement with us will specify whether your Tailor-made Plan is for one Plan Holder (Single Plan) or either of two Plan Holders (Joint Plan). Once a Plan has been purchased, it is not possible to change from a Single to a Joint Plan or vice versa by either adding or removing a second Plan Holder. If such a change were required, then the Plan would need to be cancelled and the Cancellation Charge applied (see 19) and a new Plan arranged at the Plan prices prevailing at the time of re-arrangement. On the death of one of the Plan Holders, if the Plan is not used to provide for the funeral of that Plan Holder, then the surviving Plan Holder has sole rights to the Plan Benefits. In these circumstances, another Plan Holder cannot be added to the Plan at any time.

18. Joint Tailor-made Plans only
Specific Terms and Conditions relating to Joint Tailor-made Funeral and Memorial

Masonry Plans are as follows:

  • A Joint Tailor-made Plan allows for a maximum of two Plan Holders to be eligible for the Plan Benefits, one of whom must be the Plan Purchaser. Only the Plan Purchaser can amend or cancel the Plan, except as outlined below.
  • In the event of the death of either Plan Holder, all of the rights to the Plan transfer to the surviving Plan Holder and no other Plan Holder can be added to the Plan.
  • The Application Form and your agreement with us will specify whether your Tailor-made Plan is for one Plan Holder (Single Plan) or either of two Plan Holders (Joint Plan). Once the Plan has been purchased, it is not possible to change from a Single to a Joint Plan or vice versa. If such a change were required, then the Plan would need to be cancelled and the Cancellation Charge applied (see 19) and a new Plan arranged at the Plan prices prevailing at the time of re-arrangement.
  • A Joint Plan can be used for the funeral or memorial of either of the Plan Holders.

Only one Funeral Plan can be used for the funeral of any one Plan Holder and it is the Plan Holder’s responsibility to ensure that no more than one Funeral Plan is held.

19. Cancelling your Selected Plan

Cancelling within 30 days of the Start Date

Whatever the Payment Arrangement, you have the right to cancel your Selected Plan within 30 days of the Start Date. If you do this, you will not have to pay a Cancellation Charge and any payments you have made during this time will be refunded in full.

Cancelling after 30 days of the Start Date & paying in full

Under these circumstances, the Cancellation Charges which will apply to our Plans are:

  • All Tailor-made Funeral Plans and Set Funeral Plans, for both cremation and burial- £250
  • Tailor-made Memorial Masonry Plans- £100

If you are paying in full with a single payment or paying over a set period and want to cancel your Selected Plan after 30 days, you must give us written notice and if we have sent you a Plan Summary you must return it (and any copies we have sent you) to us. We will not be able to return any money you have paid unless we receive your Plan Summary. We will then refund all the payments you have made for the Selected Plan, less the appropriate Cancellation Charge. If the amount paid to us is less than the Cancellation Charge, we have the right to ask you to pay us the balance of the Cancellation Charge. You would then not be entitled to the Plan Benefits.

Cancelling after 30 days of the Start Date & paying by Fixed Monthly Payments

If you are paying by Fixed Monthly Payments and want to cancel your Selected Plan after 30 days, you must give us written notice. However, as there is no cash-in value at any time, you would not get any money back and you would not be entitled to the Plan Benefits.

20. If you want to arrange for another funeral provider to provide the funeral
The Plan Benefits are valid at any funeral home that is part of The Co-operative Group Limited, other participating co-operative societies and any other Funeral Director affiliated to The Co-operative Group Limited. If at any time you or the Plan Holder’s Representative wants to arrange for another funeral provider to provide the Plan Holder’s funeral, then we have the right to cancel the Selected Plan and would have no further responsibilities to provide the Plan Benefits. The terms of Section 19 ‘Cancelling your Selected Plan’ will apply.

21. Unclaimed money and Plan Benefits
You or your Representative are responsible for claiming the Plan Benefits. If the Plan Benefits have not been claimed by your (or the Plan Holder’s ) 110th birthday, or if we are told that you (or the Plan Holder ) may have died, then we may write to the last address we have for you, to attempt to determine whether you still intend to claim the Plan Benefits. If we do not receive any response within 56 days of writing, we will consider that your Representative has chosen not to claim the Plan Benefits. Under these circumstances, we have the right to cancel the Selected Plan and may keep any payments you have made.

22. VAT
Our Set Plans do not include Value Added Tax (VAT) because it is not currently charged on the items/services included in our Set Plans. Some items on a Tailor-made Plan do include VAT, according to the regulations set out by HM Customs and Excise. The items on which VAT is payable are shown as such on the Application Form. We include VAT on the cost of any items on your Selected Plan for which VAT is currently payable.

If Government policy changes and VAT is charged on all or any other part of the Plans in the future, including on the Instalment Charge, then we reserve the right to recover this cost from you or your Representative.

23. Change of Address

If you move, you should advise us of your address change by writing to:

FREEPOST RTBL-XHZT-KLGB
The Co-operative Funeralcare Funeral Planning Team 99X
12th Floor
1 Angel Square
Manchester
M60 0AG

If you move house and have a Tailor-made Plan, you must contact your local Co-operative Funeralcare Funeral Director or The Funeral Planning Team, as we may need to make changes to your Tailor-made Plan in order to deliver the Plan Benefits.

24. Complaints procedure
If you have a complaint about your Selected Plan, please write to us at the following address: - The Co-operative Funeralcare Funeral Planning Team 99X, 12th Floor, 1 Angel Square, Manchester, M60 0AG. If your complaint cannot be resolved by the end of the next working day, we will write to you within 5 working days of receipt, and then try to settle the complaint within 28 days. If we cannot respond to the issue within 28 days, we will contact you to explain why this has not been possible and when we will contact you again. If your complaint has not been resolved to your satisfaction, then contact should be made with the Funeral Planning Authority of which The Co-operative Funeralcare is a registered member (www.funeralplanningauthority.com)

Tel. 0845 601 9619. The Authority provides an independent conciliation and arbitration
service through the Chartered Institute of Arbitrators.

25. General
These Terms and Conditions, together with the Brochure and your Application Form, make up the agreement between us and you concerning the Selected Plan and the funeral arrangements. They do not affect the rights you have as a consumer buying products and services. You agree with us that this agreement may be transferred to the Plan Holder in the event of your death before the Plan Holder if the Plan Holder notifies us accordingly; or if the Plan Holder and Plan Purchaser both so request and notify us accordingly. No other person (including the Plan Holder if this is not the Plan Purchaser or their Representative) has any right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement. This does not affect any other rights these people may have. If any part of the agreement is not effective the rest of the agreement will still apply. English Law applies to this agreement. We will not pay any interest on the payments you make to buy your Selected Plan.

26. Exclusive Member Offer – Email Campaign

a. This discount is solely redeemable by the Plan Purchaser of a Funeral Plan, who can purchase a Pre-paid Funeral Plan for themselves or for an immediate family member, and must be the person paying for the Plan.

b. The discount offer of £50 is in addition to the online discount of £100, which will be deducted from the online retail price of the Pre-paid Funeral Plan at the time of purchase. Discount cannot be used on purchases already made.

c. Only one discount is available per transaction.

d. This offer cannot be used in conjunction with any other discount or promotion.

e. The Promoter’s decision is final in every situation (including any not covered by these terms and conditions) and no correspondence will be entered into.

f. The discount does not apply if the Funeral Plan is to be paid for by Fixed Monthly Payments.

g. This offer is only available to Co-operative Members only.

h. The Promoter reserves the right to withdraw this discount promotion at any time.

i. Promotional discount code MEM89.

j. This offer is valid until 31.12.2014.

k. The purchase of any Pre-paid Funeral Plan is subject to the full terms and conditions, which are available online at http://www.co-operativefuneralcare.co.uk/terms-and-conditions/.

l. The promoter of this discount is Funeral Services Limited (30808R), trading as The Co-operative Funeralcare, with registered office at 1 Angel Square, Manchester, M60 0AG.

 

27. Pre-paid Funeral Plan – Save £150 offer

a. This discount is solely redeemable by the Plan Purchaser of a Funeral Plan, who can purchase a Pre-paid Funeral Plan for themselves or for an immediate family member, and must be the person paying for the Plan.

b. The discount offer of £50 is in addition to the online discount of £100, which will be deducted from the online retail price of the Pre-paid Funeral Plan at the time of purchase. Discount cannot be used on purchases already made.

c. Only one discount is available per transaction.

d. This offer cannot be used in conjunction with any other discount or promotion.

e. The Promoter’s decision is final in every situation (including any not covered by these terms and conditions) and no correspondence will be entered into.

f. The discount does not apply if the Funeral Plan is to be paid for by Fixed Monthly Payments.

g. The Promoter reserves the right to withdraw this discount promotion at any time.

h. Plan Purchaser must quote promotional discount code MEM92 at the time of purchase in order to redeem the additional online discount of £50.

i. This offer is valid from 01.10.2014 00:01am until 31.12.2014 11:59pm.

j. The purchase of any Pre-paid Funeral Plan is subject to the full terms and conditions, which are available online at http://www.co-operativefuneralcare.co.uk/terms-and-conditions/.

k. The Promoter of this discount is Funeral Services Limited (30808R), trading as The Co-operative Funeralcare, with registered office at 1 Angel Square, Manchester, M60 0AG.

 

Definitions

In these Terms and Conditions the following words have certain meanings.

Application Form - means our Application Form that must be completed, signed and sent to us to buy your Selected Plan.

Brochure - means an official Brochure produced by The Co-operative Group, which contains details of a range of Plans and accompanying inserts setting out details of the Plans, including the Payment Arrangement.

Cancellation Charge - means the fee (inclusive of VAT) that is charged by us if you are paying in full with a single payment or paying over a set period and the Selected Plan is cancelled after 30 days from the Start Date, either by us or you. This fee is not applicable if you have chosen to pay by Fixed Monthly Payments.

Funeral Director(s) - means the Funeral Director(s) at The Co-operative Group who has been selected by you to deliver the Plan Benefits.

Funeral Director Services and Fees - means the services and fees that are supplied by the Funeral Director. Only those Funeral Director Services and Fees specified in your Selected Plan are included in the Plan Benefits.

Funeral Plans/Plans - means the various Funeral and Memorial Masonry Plans set out in the Brochure and as stated on the related Application Form.

Funeral Plan Arrangement Requests (applies to Tailor-made Funeral Plans only) - means the requests you have recorded with the Funeral Director on the Application Form for a Tailor-made Funeral Plan relating to the details of your funeral arrangements.

Funeral Plan Documents Folder/Plan Documents Folder - means the set of documents issued to the Plan Purchaser once the completed Application Form and the Payment Arrangement have been processed.

Funeral Plan Summary/Plan Summary - means the document that will be sent to you when we have received and processed your completed Application Form and set up the associated Payment Arrangement. This Plan Summary details the Plan Benefits that will be provided, subject to the terms of the Plan, including the Payment Arrangement.

Funeral Requests (applies to Set Plans only) - means any wishes that relate to the services already included within your Set Plan that you have detailed and registered with us regarding how you would like your Representative to personalise your funeral and any requests for additional services not included in your Set Plan which will need to be arranged and paid for by your Representative at the time of the funeral.

Instalment Charge - means the amount that is charged in addition to the single payment price if you are paying over a set period greater than 12 months.

Joint Tailor-made Plan - means a Tailor-made Plan which has two named Plan Holders, one of whom must be the Plan Purchaser, and which will provide the Plan Benefits for one of these two Plan Holders.

Payment Arrangement - means the method you have chosen to pay for your Selected Plan along with the associated payment terms. These are outlined below and detailed in your Brochure.

  • Paying in full with a single payment - means paying for your Plan in full at the time of taking out your Selected Plan.
  • Paying over a set period - means paying towards your Selected Plan each month over a set number of months, including any Instalment Charge applicable for this facility.
  • Fixed Monthly Payment - means the amount payable each month for your Selected Plan. Details are shown in the Brochure. The amount of the Fixed Monthly Payment is defined by the Set Funeral Plan chosen, as well as the age of the Plan Holder. Once agreed, the amount of your monthly payment is fixed and will not vary over time.

Plan Benefits - means the funeral services that The Co-operative Group will provide when you have met the terms of the Plan, including the Payment Arrangement. In the case of our Set Funeral Plans, the Plan Benefits are the items set out as specifically included in your Selected Plan in the Brochure and specified on your Funeral Plan Summary. In the case of our Tailor-made Plans, the Plan Benefits are those that are itemised and costed on the Application Form for your Tailor-made Plan, and specified on your Plan Summary.

Plan Holder(s) - means the person(s) who is(are) covered by the Plan in the event of their death. The Plan Purchaser may also be a Plan Holder.

Plan Purchaser - means the person who buys the Plan and is the person who has the contractual rights to and obligations for the Plan, including meeting the Payment Arrangement. The Plan Purchaser may also be a Plan Holder.

Representative - means executor, trustee, personal Representative or other Representative who has been legally appointed and authorised to act on the behalf of the Plan Holder after their death.

Selected Plan - means the Plan you have chosen to buy, either a Set Funeral Plan as detailed in the Brochure, or a Tailor-made Plan as detailed on the Application Form.

Set Funeral Plan/Set Cremation Plan - means one of our Set Plans that are detailed in the official Brochure.

Start Date - means the date that your Selected Plan commences. This is shown on your Plan Summary.

Tailor-made Plan - means a bespoke Funeral or Memorial Masonry Plan, only available through a Co-operative Funeralcare Funeral Director or The Co-operative Funeralcare Funeral Planning Team. Third Party Charges (also known as ‘disbursements’) - means the fees paid to third parties by the Funeral Director. Only those Third Party Charges specified in your Selected Plan are included in the Plan Benefits.

Us/We - means The Co-operative Life Planning Limited, an Industrial and Provident Society registered in England with number IP30814R. (The address of our Registered Office is below and is stated in the Brochure.)

You - means the Plan Purchaser. The Plan Purchaser may also be a Plan Holder.