Take Control & Protect What Matters.
Planning ahead isn’t just practical—it’s a gift of peace of mind for you and those you love.
A funeral plan ensures your wishes are honoured, and your family is spared unnecessary stress at a difficult time.
Why Choose a Pre-Paid Funeral Plan?
- Financial security: Fix today’s prices and shield your family from rising costs.
- Complete Peace of mind: Every detail is taken care of, so your loved ones can focus on what truly matters.
- Your Funeral, Your Way: Choose the type of funeral that reflects your values, beliefs, and personality.
- Free will included: Every plan comes with a free standard will worth £250 from our legal partner, Jones Whyte.
Start Planning Today
If you wish to pay in full for yourself, you can do so online. For all other payment options, please send us an enquiry or call us on 0333 251 0060.
Secure your plan, protect your loved ones, and make your wishes clear.
Funeral plans from a Scottish co-operative
We are not a national call centre. Scotmid has been part of Scottish life since 1859, and your plan will be carried out by our own people at one of our 15 funeral homes across Scotland, from Leith and Edinburgh city centre to Dunfermline, Livingston, Prestonpans and Motherwell.
That matters more than it might sound. We arrange funerals at the crematoria your family would actually choose, including Mortonhall, Warriston, Seafield, Dunfermline, West Lothian, Holytown and Daldowie. When the time comes, the person who carries out your plan works for the same organisation that sold it to you.
As a co-operative we are owned by our members rather than shareholders. It is why we publish our prices, and why we make no charge for a child’s funeral.
Our Funeral Plans at a Glance
Direct
Cremation Plan
You can buy online today when paying in full. For all other payment options get in touch.
Flexible payments from £19.70 p/mo if aged 50
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No funeral service
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Unattended cremation
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Basic coffin
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No choice of clothes
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No visiting deceased
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No choice of date and time of cremation
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No hearse
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No limousines
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No funeral cortege
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Crematorium will be chosen by us
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Fully guaranteed to cover the unattended cremation fee
Enquire Now
Simple
Cremation Plan
You can buy online today when paying in full. For all other payment options get in touch.
Flexible payments from £45.23 p/mo if aged 50
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For a funeral service
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Attended cremation only
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Simple coffin
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Dressing in own clothes
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Visiting deceased
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No choice of date and time of cremation
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Floral hearse
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No limousines
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No funeral cortege
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Funeral at a single location only
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Contribution of £1050 towards cremation or burial & officiant fees
Enquire Now
Timeless
Funeral Plan
You can buy online today when paying in full. For all other payment options get in touch.
Flexible payments from £50.75 p/mo if aged 50
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For a funeral service
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Burial or cremation
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Wood effect coffin
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Dressing in own clothes
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Visiting deceased
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Choice of date and time of funeral
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Floral hearse
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One limousine
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Funeral cortege
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Service can be separate from committal
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Contribution of £1050 towards cremation or burial & officiant fees
Enquire Now
Signature
Funeral Plan
You can buy online today when paying in full. For all other payment options get in touch.
Flexible payments from £55.58 p/mo if aged 50
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For a funeral service
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Burial or cremation
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Wood effect coffin
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Dressing in own clothes
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Visiting deceased
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Choice of date and time of funeral
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Floral hearse
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Two limousines
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Funeral cortege
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Service can be separate from committal
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Fully guaranteed to cover cremation or burial & officiant fees
Enquire Now
Your money is protected
Every Scotmid funeral plan is insurance-backed. The money you pay goes towards an insurance policy that pays for your funeral when the time comes, so it is not left sitting with the funeral director.
Funeral plans have been regulated by the Financial Conduct Authority since July 2022. Scotmid Funerals is a trading name of Scotmid Coop Life Services Limited, which is authorised and regulated by the Financial Conduct Authority to enter into and carry out funeral plan contracts under firm reference number 966550. You can check that entry yourself on the FCA register.
Scotmid Coop Life Services Limited is a wholly owned subsidiary of The Scottish Midland Co-operative Society Ltd, a society that has traded continuously since 1859.
We are also members of the National Association of Funeral Directors and are recommended by The Good Funeral Guide, an independent resource that takes no advertising from the funeral trade.
What a Scotmid funeral plan costs
Four plans, each at a fixed price, with the funeral director’s costs guaranteed at today’s rates however far in the future the funeral takes place.
- Direct Cremation Plan, £1,585. An unattended cremation, with the family holding their own gathering whenever and wherever suits them.
- Simple Cremation Plan, £3,570. A cremation service with a £1,050 contribution towards third party costs.
- Timeless Funeral Plan, £3,999. A traditional funeral with a hearse and one limousine.
- Signature Funeral Plan, £4,375. A full traditional funeral, two limousines, and a guaranteed cremation contribution.
Every plan can be paid in full, over five years, or over ten years. Buy any plan outright online through our plan comparison page, or call us on 0333 251 0060 to arrange instalments.
Take out a plan and you also receive a free standard will worth £250 from our legal services partner, Jones Whyte.
Prices correct as at October 2026.
Get your Funeral Plan Brochure
Choose an emailed PDF for instant access,
or request a printed copy by post.
Prefer to talk about it?
Call us on 0800 996 1927
- No Obligation
- Clear Plan Information
- Read At Your Own Pace
We're here whenever you need us.
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Funeral plan questions
Are funeral plans worth it?
A funeral plan fixes our costs at today’s prices, so your family does not have to find the money later or guess at what you wanted. Funeral costs have risen steadily for years. Whether that trade is worth it depends on your circumstances, and we would always rather talk it through with you than sell you something you do not need.
Is my money safe with a funeral plan?
Every Scotmid plan is insurance-backed. Funeral plans have been regulated by the Financial Conduct Authority since July 2022, and any provider selling them must be FCA authorised. Scotmid Coop Life Services Limited is authorised and regulated by the FCA to enter into and carry out funeral plan contracts, firm reference number 966550. You can check this on the FCA register.
How much does a funeral plan cost in Scotland?
Our plans are £1,585 for the Direct Cremation Plan, £3,570 for the Simple Cremation Plan, £3,999 for the Timeless Funeral Plan and £4,375 for the Signature Funeral Plan. Each can be paid in full, over five years or over ten years.
What does a funeral plan include?
Every plan covers our funeral director’s services: bringing your loved one into our care from anywhere in mainland Scotland at any hour, care and preparation, a coffin, all the paperwork, and liaison with the crematorium, doctors and Registrar. The higher plans add a hearse, limousines and a contribution towards third party costs.
What is not covered by a funeral plan?
Third party costs can rise beyond the contribution your plan includes: crematorium and burial fees, the officiant, flowers, newspaper notices and catering. Our Signature Funeral Plan guarantees the cremation contribution. We will always show you exactly what is and is not covered before you commit.
Can I pay for a funeral plan monthly?
Yes. You can pay in full, spread the cost over five years, or over ten years. Instalments are arranged by telephone on 0333 251 0060.
What happens if I move house?
Your plan moves with you. If you move within mainland Scotland we will carry out the funeral from whichever of our 15 funeral homes is nearest. If you move elsewhere, contact us and we will explain your options.
What happens if I die away from home or abroad?
Bringing your loved one into our care from anywhere in mainland Scotland is included in every plan, 24 hours a day. Repatriation from outside mainland Scotland, including the islands, the rest of the UK and abroad, is not covered by the plan, so please speak to us if you travel often or spend part of the year away.
Can I change my plan after I have bought it?
Yes. Your wishes can be updated at any time, and it is worth reviewing them if your circumstances change. Call us on 0333 251 0060 or visit any of our funeral homes.
Do I still need a funeral plan if I have life insurance?
They do different jobs. Life insurance pays out a sum of money, often weeks after a death and sometimes after the funeral has been paid for, and the amount is not tied to what a funeral actually costs. A funeral plan fixes our costs now and sets out what you want, so your family is not left guessing or waiting.
Don't Just Take our Word for it
We’re proud of both the service we provide and what our clients say about it, as well as ourselves.
Many of them even choose to leave 5-star reviews on our website once they’ve dealt with us,
which is incredibly generous given what they’ve recently gone through.
