TERMS AND CONDITIONS OF YOUR AGREEMENT
These Terms and Conditions (the “Terms”) Plan Price List and Charges, make up the Agreement between You and Us for your Plan. By giving agreement and making a Payment to Us, You are agreeing to buy Your Plan subject to these Terms.
The following terms have the following meanings in these Terms:
“Cancellation Fee” means the charge that applies if You or We cancel Your Plan more than 14 days from the Start, or if We elect to cancel the Plan in the event of you failing to pay any agreed instalment. This charge is 20% of the overall price of the plan plus any administration costs.
“Net Balance of Trust” means the payments made towards the plan minus the Cancellation Fee plus the CPI (consumer price index ) inflation.
“Disbursements” means the costs payable to third parties associated with the funeral that the Funeral Director makes on your behalf, and include the cremation or cemetery fee, Doctor’s fee and Minister’s fee. Disbursements up to the limit specified in Your Plan are included in the Plan price.
”Fees and Services of your Funeral Director” means the fees and services that are supplied directly by the Funeral Director. Only those Fees and Services of your Funeral Director specified in your Plan are included.
“Next of kin” means your next of kin but may also mean the Personal Representatives of your estate
“Payment Method” means the way that You have chosen to pay for Your Plan.
”Plan Certificate” means the certificate issued to You within 30 days of the Start Date.
”Plan Price” means the price of Your Plan
”Plan Price List and Charges” means Our list of Plan prices and charges.
“Special Requests” means the requests You have specified. These are requests only and although We will do Our best to fulfil them they cannot be guaranteed.
“Start Date” means the date that you agreed to the plan and made a Payment and are accepted by Us.
“Time of need” means the time of your death.
“Us”, “We”, “Our” means Family Funeral Care Ltd (for UK Plan holders).
“You”, “Your” means the Plan holder (and/or partner where there are joint applicants).
“Your Nominated Funeral Director” means the Funeral Director nominated by You to fulfil Your Plan.
“Your Plan” means your chosen funeral Plan as specified and detailed on documentation.
- Qualification for and purpose of Your Plan
1.1 You are qualified to apply for a Plan if You are over 18 at the Start Date.
1.2 All plans must be paid for in full by your 85th birthday. This will be considered when discussing your Plans repayment term at the onset and where any changes are made to your monthly payment amount mid-term.
1.3 Anyone can apply for a pre-paid funeral Plan as long as the age restrictions are met (refer to clause 1.1 & 1.2).
1.4 Guaranteed acceptance on all our Plans as there is no requirement to complete a medical examination in order to qualify.
1.5 The purpose of Your Plan is to give You and your loved one’s protection from rising funeral costs and the worry of having to arrange and pay for your funeral when the time comes. Your Plan will cover the Fees and Services of your Funeral Director in full and an allowance for Disbursements (see below).
- What Your Plan Includes
2.1 Under Your Plan the Fees and Services of your Funeral Director are fixed for the lifetime of Your Plan, regardless of how much these costs may rise in the future. We guarantee that the Funeral Director’s Fees and Services will be procured by Us on your behalf at no extra cost to You or you’re next of kin, providing the funeral is carried out by the Funeral Director stated on your funeral Plan certificate or as agreed by Us.
2.2 Your Plan also covers an allowance for Disbursements for cremation or burial, doctors and ministers costs. This allowance for Disbursement Costs is reviewed annually. There may be a balance to pay at the time of need if the actual disbursements paid on your behalf by your nominated Funeral Director is not fully covered.
2.3 CPI is applied to the Fees and Services of your Funeral Director as well as the Disbursement annually.
- Your Nominated Funeral Director
3.1 We work with contracted, reputable, Independent Funeral Directors to provide You with the agreed funeral arrangements. When You purchase Your Plan We will allocate a Funeral Director within 20 miles from your postal code. If You have nominated a particular Funeral Director We will do Our best to allocate Your Plan to them, but this is not always possible. If it has not been possible then We will allocate one for You, but if Our nominated Funeral Director is not acceptable, please Contact Us to discuss so We can agree upon an alternative Funeral Directors who could provide the funeral.
3.2 If You move house you must tell Us, as We may need to nominate an alternative Funeral Director to conduct the funeral. Depending on the new location there may be an additional charge due to the Funeral Director’s Fees and Services in that area.
- Your Plan Certificate
4.1 We will send You 2 copies your Plan Certificate within 30 days of your Start Date. You should keep one in a safe place and give the second to your next of kin.
4.2 If You lose your Plan Certificate or move house, please Contact Us and We will supply a suitable replacement.
- What your plan does not cover
5.1 Your plan provides only those plan benefits detailed on your plan certificate. Examples of services that are not included in your plan (unless you have selected them as additional services) include a church service, catering, obituary notices, and flowers. You may ask for the personal request for your funeral, but any associated costs for these will not be covered by your plan.
5.2 If you choose one of our plans for burial, the plan does not include the purchase of a grave plot.
5.3 Your plan does not cover the costs of repatriation from outside mainland Great Britain to your nominated funeral director.
5.4 Your plan does not cover the plan benefits in countries that we do not operate in.
- Payment Methods
6.1 You can choose between two payment methods: (a) Lump Sum, being paid in full by one single payment at the time You take out Your Plan; or (b) Instalments, being paid by a set number of instalment payments. A minimum initial deposit may be required.
6.2 Where We have agreed to accept payment by instalments, a charge of 4.7% per annum (or such charge as is notified to you in the Plan Price List and Charges at the time of your application) is charged on the balance of the Plan Price if the instalments are agreed to be paid over a period greater than 24 months. The 4.7 % charge does not form part of the Funeral Director liability or the Disbursements
6.3 If, during the term of your instalments You wish to make the Plan fully paid you can do this by requesting from Us a statement of the balance outstanding under the Plan, and then paying that balance.
6.4 You may increase and/or decrease the number of your instalments at any time during the payment term by arrangement with Us. Increasing payments will reduce the instalment term initially agreed and will reduce the total amount to pay to make the Plan fully paid. Decreasing instalment payments will increase the instalment term and may increase the total amount to pay to make the Plan fully paid.
- If the Plan is Not Fully Paid at the Time of Your Death
7.1 Your Plan will not provide the funeral You have chosen until it is fully paid. If You are paying by instalments and Your Plan has not been paid in full at the time of your death We will send your next of kin details of the balance outstanding to pay for the Plan in full.
7.2 Your next of kin will have the choice of paying for (or reaching terms acceptable to Us for payment of) the outstanding balance in full so that the funeral can be arranged, or notifying Us that they wish to cancel the plan. If cancelling the Plan, a refund will be made of the Net Balance of the Trust or in the event of a state-assisted funeral the Net Balance of the Trust be paid to your estate, in which case, We will have no further obligation to fulfil Your Plan.
- Your Money and the Trust Fund
8.1 The money paid by you is a pre-payment for the cost of the agreed funeral arrangements. Your money, less marketing and direct costs, is securely invested in the Trust Fund.
8.2 The funds in Trust are held separately to the Company and managed by Independent Trustees to ensure your money is protected.
8.3 Neither You nor you’re next of kin or anyone claiming on your behalf or on behalf of your estate are entitled to any interest on or income from any of the money paid by You or on your behalf for the Plan.
- If You stop paying Instalments to part way through the Term
9.1 If You stop paying instalments part way through the instalment term You have 60 days to reinstate Your Plan by re-commencing payments.
9.2 If You do not re-commence payments within 60 days, but request to re-commence payments at a later date then We will conduct a Plan review taking into account the Plan Price List and Charges prevailing at the time of your request and the instalments paid to date. The review may lead to an increase in the total amount to pay to reinstate Your Plan and may lead to an extension of the instalment term.
- If You do not re-commence payments, the instalment payments made will be retained in the Trust, with no surrender value until claiming at the time of need, either:
9.3.1 The Net Balance of the Trust be paid to your nominated Funeral Director as a contribution towards funeral costs; or.
9.3.2 In the event of a state-assisted funeral the Net Balance of the Trust be paid to your estate, in which case, We will have no further obligation to fulfil Your Plan.
10.1 Complaints about Your Plan should by telephone to 0161 814 6619 or writing to Family Funeral Care Limited, 10 -12 Brenton Business Complex, Bond Street, Bury, Greater Manchester, BL9 7BE We will acknowledge receipt of your complaint within 7 days and aim to resolve your complaint within 8 weeks.
10.2 If We are unable to reach a mutually satisfactory outcome to your complaint We will refer your complaint to an Independent Arbitrator. We agree to abide by the decision of the Independent Arbitrator.
- Cancelling Your Plan
11.1 You have the right to cancel Your Plan, with no obligation, within 14 days of the Start Date and receive a full refund of all monies paid.
11.2 If You decide to cancel Your Plan more than 14 days from the Start Date, please inform Us in writing at Our Head Office Any payments made will be retained in the Trust with no surrender value until the time of need, when upon claiming We will either:
11.2.1 Pay your nominated Funeral Director the Net Balance of the Trust as a contribution towards funeral costs or:.
11.2.2 In the event of a state-assisted funeral the Net Balance of the Trust be paid to your estate, in which case, We will have no further obligation to fulfil Your Plan.
11.3 If You cancel Your Plan We will have no further obligation to fulfil Your Plan.
- Procedure for Your Next of Kin at the Time of Need
12.1 At the time of needing your next of kin should contact your nominated Funeral Director detailed on your Plan Certificate, and give them a copy of the Funeral Plan Certificate. The Funeral Director will contact Us to establish if the Plan is fully paid. Any Special Requests will be communicated to your next of kin and your nominated Funeral Director. If the Plan is fully paid the funeral will proceed. If You are paying by instalments and Your Plan has not been paid in full at the time of your death We will send your next of kin a Closing Statement detailing the balance outstanding to make Your Plan fully paid. Your next of kin have the option to either:
12.1.1 Payor provide a clear commitment (satisfactory to Us) to pay the balance outstanding in full before the funeral can be arranged; or
12.1.2 Cancel Your Plan by writing to Us and We will return all the payments made less a Cancellation Fee. In this case, We will have no further obligation to fulfil Your Plan.
12.2 We will pay your nominated Funeral Director to provide the funeral. There may be a balance to pay at the time of need if the actual disbursements paid on your behalf by your nominated Funeral Director are more than Disbursements covered by Your Plan. This could happen if You live in an area where disbursement costs are high.
12.3 Any additional services requested at the time of need that is not included in Your Plan shall be paid directly to your nominated Funeral Director by your next of kin, such as obituary notices, flowers, additional limousines.
12.4 No refund is payable for services included in Your Plan that your next of kin chooses not to receive at the time of need.
13.1 Your Plan does not currently include Value Added Tax (VAT) because it is not currently charged on the items/services included in the funeral Plans. Some additional services may include VAT, according to the regulations set out by HMRC, and We will include such VAT on the cost of any additional items on Your Plan.
13.2 If the law changes and VAT become payable on some or all of Your Plan, that VAT will be payable as an additional charge by You or you’re next of kin before the Plan can be treated as fully paid.
14.1 We may vary all or any of these Terms at any time upon giving You seven days prior written notice if and when it becomes necessary or appropriate to do so in order for Us to comply with legal, fiscal or regulatory requirements.
14.2 Any information We hold about You and you’re next of kin will be used for the purposes of administering Your Plan. It may also be held on computer records. We will not normally give any personal information about You to any other party, but there may be circumstances where We need to do this. We may give information which We hold about You to:
14.2.1 funeral directors and people who are acting as Our agents or sub-contractors and on the understanding that it will be kept confidential;
14.2.2 if We are under a duty to disclose or share your personal information in order to comply with any legal obligation; and
14.2.3 other companies associated with Us and carefully selected third parties for marketing to You of the other products and services which We think may be of interest to You, where You have consented to receive such communications.
14.3 We are not liable for the acts or omissions of any funeral director appointed under the Plan unless We have been negligent in the appointment of that funeral director.
14.4 We have no further obligation to You or you’re next of kin beyond the obligations set out in these Terms or otherwise agreed by Us in writing.
14.5 You cannot assign your rights and obligations under the Agreement or Plan or these Terms.
14.6 The Agreement, the Plan and these Terms are subject to English Law, and You and We agree to submit to the non-exclusive jurisdiction of the English Courts.