Terms and Conditions

1. Eligibility

Paying in full with a single payment or paying in full 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.

2. Application Form

By sending your Application Form to us, either directly or via your Co-operative Funeralcare Funeral Home, 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 Funeral Plan, including meeting the Payment Arrangement. All correspondence will be issued to the Plan Purchaser (who may also be the Plan Holder).

3. Issuing your Funeral Plan Summary

This confirms your Plan Benefits. It will be issued to the Plan Purchaser, (who may also be the Plan Holder) as part of the contents of your Funeral Plan Documents on receipt and processing of the completed Application Form and the associated Payment Arrangement.
If you lose the Funeral 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 in full 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 of £250. If the amount paid to us is less than the Cancellation Charge, we have the right to ask you to pay us the balance. If we cancel the Funeral Plan, we will have no further responsibility to provide the Plan Benefits.

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 in full 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.

6. Paying for your Selected Plan

Paying in full with a single payment or paying in full 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 in full 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 in full.

If you are paying in full 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 any Cancellation Charge that is applicable to your Selected Plan. If the amount paid to us is less than the Cancellation Charge, we have the right to ask you to pay the balance.

If you are paying in full 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 Representatives 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 any Cancellation Charge that is applicable to your Selected Plan. If the amount paid to us is less than the Cancellation Charge, we have the right to ask you to pay the balance.
If this happens, we will have no further responsibilities to provide the Plan Benefits. 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 Midcounties Co-operative, other participating Co-operative Societies and any other affiliated Funeral Home.
After the death of the Plan Holder the Representatives must present the Funeral Director with:
– An original copy of the Plan Holder’s Death Certificate
– The Funeral Plan Summary (or a duplicate copy we have issued)
We will not be able to provide the Plan Benefits until we have the Funeral Plan Summary, the Death Certificate.
If you or your Representative decide not to receive any particular Plan Benefits that you are entitled to under the Selected Plan, you will not get a refund.

8. 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 Home’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

Unique Tribute Plans
Provided the Payment Arrangement has been met, our Unique Tribute 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.

9. 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. 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.
B. 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.
C. 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 Unique Tribute Plans
Only items specified and costed on the Application Form completed with the Co-operative Funeralcare Funeral Home/member of the Co-operative Funeralcare Funeral Planning Team are included in your Unique Tribute Plan.
Examples of exclusions include, but are not limited to:
A. The purchase of a new grave
B. The interment or burial fee
C. Where additional costs are incurred by the Funeral Home, or there are additional
Third Party Charges, as a result of a change of address of the Plan Holder.
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 Home.

10. Circumstances in which additional payments for Funeral Homes’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 request that the funeral is conducted during a weekend, Bank 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 Home.
– 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. Memorials

If you have chosen to include and pay for a memorial, or if you have included and paid for an additional inscription and/or cleaning work on an existing memorial, then the following terms and conditions will apply:
(i) 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)
(ii) 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 Home will provide your Representative with a copy of these when the order is placed.

12. Funeral Plan Arrangement Requests (Unique Tribute Plans only)

If any Funeral Plan Arrangement Requests have been recorded with us, these will be passed on to the Funeral Home at the time of arranging the funeral. The Funeral Home cannot guarantee to carry out these requests. Neither we, nor the Funeral Home, 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 Unique Tribute 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.

13. Funeral 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 Funeral Plan.
Multiple discounts cannot be used against a Funeral Plan purchase at any time. Any discount is applied to the total price payable for the Funeral Plan i.e. after the Instalment Charge has been applied.

14. The Co-operative Membership points

The terms and conditions of The Co-operative Membership apply to the purchase of a Funeral 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 Co-operative Membership, go to our website: www.midcounties.coop/membership

15. 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.

16. Changing your selected Plan or buying a different Funeral Plan

(i) Set Cremation Funeral Plans
We cannot change or amend a Set Cremation 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, we will be required to cancel your original Selected Plan and purchase a new Funeral Plan.
- If you have paid in full with a single payment or paid in full by instalments over a set period, then we will return the monies you have paid us, less any Cancellation Charge that is applicable to your Selected Plan. If the amount paid to us is less than the Cancellation Charge, we have the right to ask you to pay the balance. Should you want to change to a different Funeral Plan, you must return to us, at the address stated below, 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 address stated below, 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.

(ii) Unique Tribute Plans
We can make reasonable changes to Unique Tribute Plans at any time during the life of your Unique Tribute Plan on your instruction. Changes must be discussed with either your local Co-operative Funeralcare Funeral Home or The Funeral Planning Team. If you call our 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 Unique Tribute Plan can be amended. We will issue you with a new Funeral Plan Summary once all additional items have been requested and paid for in full. In the event of any removal of services from your Unique Tribute Plan, the amount refunded will be the amount paid for the services when you took out the Unique Tribute Plan.
If you move house and have a Unique Tribute Plan, please contact your local Co-operative Funeralcare Funeral Home or The Funeral Planning Team, as we may need to make changes to your Unique Tribute 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 Unique Tribute Plan can be amended. We will issue you with a new Funeral Plan Summary once the required changes have been made and paid for in full.

17. Cancelling your selected Plan

(i) 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.

(ii) Cancelling after 30 days of the Start Date
If you have paid in full with a single payment or are paying by instalments and need to cancel your Selected Plan after 30 days of the Start Date, you must give us written notice and if we have sent you a Funeral Plan Summary you must return it to us (and any copies we have sent to you). We will not be able to return any money you have paid unless we receive your Funeral Plan Summary. We will then refund all the payments you have made for the Selected Plan, less any Cancellation charge that is applicable to your Selected Plan. If the amount paid to us is less than the Cancellation Charge, we have the right to ask you to pay the balance.

18. 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 Midcounties Co-operative, other participating Co-operative Societies and any other Affiliated Funeral Homes. If at any time you or the Plan Holder’s Representative want 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 17 ‘Cancelling your Selected Plan’ will apply.

19. 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 have 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.

20. VAT

Our Set Cremation Funeral 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 Unique Tribute 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 Funeral Plans in the future, including on the Instalment Charge, then we reserve the right to recover this cost from you or your Representative.

21. Change of Address

If you move, you should write to us to advise of your address change by writing to:
The Midcounties Co-operative Ltd.,
Co-operative House, Warwick Technology Park,
Warwick
CV34 6DA

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

22. Complaints procedure

If you have a complaint about your Selected Plan, please write to us at the following address: The Midcounties Co-operative Ltd., Co-operative House, Warwick Technology Park, Warwick CV34 6DA. 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.co.uk or Tel. 0845 601 9619). The Authority provides an independent conciliation and arbitration service through the Chartered Institute of Arbitrators.

23. 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.

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 Funeral Plans and accompanying inserts setting out details of the Funeral 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 in full over a set period and the Selected Plan is cancelled after 30 days from the Start Date, either by us or you.

Funeral Home services and fees – means the services and fees that are supplied by the Funeral Home. Only those Funeral Home services and fees specified in your selected Plan are included in the Plan benefits.

Funeral Plans – means the various Funeral Plans set out in the Brochure and as stated on the related Application Form. Funeral Plan Arrangement Requests (applies to Unique Tribute Plans only) – means the requests you have recorded with the Funeral Home/member of The Co-operative Funeralcare Funeral Planning Team on the Application Form for a Unique Tribute Plan relating to the details of your funeral arrangements. These are requests only and cannot be guaranteed, although we will endeavour to work with your Representatives to deliver them.

Funeral Plan Documents – 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 – 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 Funeral Plan Summary details the Plan Benefits that will be provided, subject to the terms of the Funeral Plan, including the Payment Arrangement.

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

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 Funeral Plan in full at the time of taking out your Selected Plan.
  • Paying in full 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.

Plan Benefits – means the funeral services that The Co-operative Funeralcare will provide when you have met the terms of the Funeral Plan, including the payment agreement.
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 Unique Tribute Plans, the Plan Benefits are those that are itemised and costed on the Application Form for your Unique Tribute Plan, and specified on your Funeral Plan Summary.

Plan Holder – means the person who is covered by the Funeral Plan in the event of their death. The Plan Purchaser may be one and the same person as the Plan Holder.

Plan Purchaser – means the person who buys the Funeral Plan and is the person who has the contractual rights to and obligations for the Funeral Plan, including meeting the Payment Arrangement. The Plan Purchaser may be one and the same person as the Plan Holder.

Representatives – means executors, trustees, personal representatives or other Representatives who have been legally appointed and authorised to act on the behalf of the Plan Holder after their death.

Selected Plan – means the Funeral Plan you have chosen to buy, either a Set Funeral Plan as detailed in the Brochure, or a Unique Tribute 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 Funeral Plan Summary.

Unique Tribute Plan – means a bespoke Funeral Plan, only available through a Co-operative Funeralcare Funeral Home 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 Home. Only those Third Party Charges specified in your Selected Plan are included in the Plan Benefits.

Third Party Charges (also known as ‘disbursements’) – means the fees paid to third parties by the Funeral Home. Only those Third Party Charges specified in your Selected Plan are included in the Plan Benefits.

Us/We – means The Midcounties Co-operative Limited, registered in England Co-operative House, Warwick Technology Park, Warwick CV34 6DA

Terms and Conditions valid as at June 2016. You – means the Plan Purchaser. The Plan Purchaser may also be the Plan Holder. Contact details for The Co-operative Funeralcare Funeral Planning Team are:
The Midcounties Co-operative Limited
Funeral Group
Co-operative House
Warwick Technology Park
Warwick CV34 6DA

The Funeral Planning Team Helpline number is printed in your Brochure.
The Funeral Planning Team opening hours are: Monday – Friday 9am – 5pm (Excluding public holidays)
The Midcounties Co-operative Limited is a registered Society under the Co-operative and Community benefit Societies Act 2014. Registered number - 19025R
Registered office: Co-operative House, Warwick Technology Park, Warwick CV34 6DA