What are disbursements or 3rd party charges?

Disbursements (otherwise known as 3rd party charges) are cost elements of a funeral that are outside of the funeral plan provider’s/Funeral Director’s control. These include:

1. Cremation fee (or interment* fee, if burial)
2. Doctor’s fee
3. Minister’s/Celebrant’s fee for committal service at crematorium (or graveside, if burial)

*Interment means digging or opening of a grave

Currently, the national average for the above 3 disbursement is around £1000, so Providers offering a higher level than this with an uplift in line with inflation should ensure all costs are met.

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