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INDEX

  • Section 1 Key Features of your Funeral Plan and Payment Options
  • Section 2 Applies only where you have chosen the Single Payment Option
  • Section 3 Applies only where you have chosen the 12 Monthly Payment Option
  • Section 4 Applies only where you have chosen the Low Cost Instalment Option
  • Section 5 Applies only where you have chosen the Fixed Monthly Payment Option
  • Section 6 Nomination of Family Members (not Fixed Monthly Payment Option)
  • Section 7 What is covered by your Funeral Plan?
  • Section 8 What is not covered by your Funeral Plan?
  • Section 9 Your Funeral Services
  • Section 10 Your right to cancel and get a refund
  • Section 11 General provisions which apply regardless of payment option chosen
  • Section 12 Definitions

SECTION 1 KEY FEATURES OF YOUR FUNERAL PLAN AND PAYMENT

OPTIONS

1.1 The definitions we use in your Funeral Plan can be found at Section 12. A Funeral Plan is not available to you if you normally reside outside of England, Wales, Scotland or Northern Ireland.

1.2 You may choose from four different payment options for your Funeral Plan:

1.2.1 the Single Payment Option where the Amount Payable is paid in a Single Payment to the Trust as detailed in Section 2;

1.2.2 the 12 Monthly Payment Option where the Amount Payable is paid over a Set Period of up to 12 months as referred to in Section 3;

1.2.3 the Low Cost Instalment Option where the Amount Payable is paid in instalments over a Set Period as referred to in Section 4; or

1.2.4 the Fixed Monthly Payment Option where your monthly payment will be used to purchase a life assurance policy on your life (with us as beneficiary) as detailed in Section 5.

1.3 If you choose the Single Payment Option:

1.3.1 your payment will be paid to the Trust (Section 2);

1.3.2 there are no age or health restrictions;

1.3.3 your Funeral Plan becomes effective following our acceptance as set out in Section 11.2;

1.3.4 if your application is accepted and the Amount Payable has been paid we will send you or your Representative a full membership card and Certificate of Entitlement;

1.3.5 you can cancel and get a refund (Section 10.1);

1.3.6 you have the right to nominate a Family Member to receive the Funeral Services instead of you (Section 6); and

1.3.7 Section 2 applies and you can ignore Sections 3, 4, 5, 10.2, 10.3 and 10.4.

1.4 If you choose the 12 Monthly Payment Option:

1.4.1 your payments will be paid to the Trust (Section 3);

1.4.2 there are no age or health restrictions;

1.4.3 your Funeral Plan becomes effective following our acceptance as set out in Section 11.2 but the Amount Payable must have been paid before you will get your Funeral Plan benefits (Section 3.5);

1.4.4 a provisional membership card will be issued to you or your Representative which will be replaced by a full membership card and a Certificate of Entitlement when the Amount Payable has been paid;

1.4.5 you can cancel and get a refund (Section 10.2);

1.4.6 you have the right to nominate a Family Member to receive the Funeral Services instead of you (Section 6); and

1.4.7 Section 3 applies and you can ignore Sections 2, 4, 5, 10.1, 10.3 and 10.4.

1.5 If you choose the Low Cost Instalment Option:

1.5.1 your payments will be paid to the Trust (Section 4);

1.5.2 you must be under the age of 78 years at the date of our acceptance of your Funeral Plan and there are no health restrictions;

1.5.3 your Funeral Plan becomes effective following our acceptance as set out in Section 11.2 and, in most circumstances (but not all), even if the full Amount Payable has not been paid the sums you have paid will be used as a contribution towards the cost of your Funeral Plan (Sections 4.5 and 4.8);

1.5.4 a provisional membership card will be issued to you or your Representative which will be replaced by a full membership card and a Certificate of Entitlement when the Amount Payable has been paid;

1.5.5 you have the right to nominate a Family Member to receive the Funeral Services instead of you (Section 6);

1.5.6 other than in very limited circumstances you will not have the right to cancel and receive a repayment and instead the sums paid by you will be used as a contribution towards the cost of your (or your Nominated Family Member’s) Funeral Services (Sections 4.5, 4.8 and 10.3); and

1.5.7 Section 4 applies and you can ignore Sections 2, 3, 5, 10.1, 10.2 and 10.4.

1.6 If you choose the Fixed Monthly Payment Option:

1.6.1 your payments will be used to purchase a life assurance policy on your life with AXA Wealth Limited (Section 5);

1.6.2 you must be between the ages of 50 and 80 and a UK resident at the date of our acceptance of your Funeral Plan application and there are no health restrictions;

1.6.3 our acceptance procedure is set out in Section 11.2;

1.6.4 a provisional membership card will be issued to you or your Representative which will be replaced by a full membership card and a Certificate of Entitlement when Fixed Monthly Payments have been made for a period of two years;

1.6.5 other than in very limited circumstances you have no right to any repayment on cancellation (Section 10.4);

1.6.6 your Funeral Plan only becomes fully effective after two years (Section 5.5);

1.6.7 your Fixed Monthly Payments must be paid up to date before you will get your Funeral Services; if they are not paid up to date then your Funeral Plan will be cancelled and you will not get any money back (Sections 5.4 and 5.5) ;

1.6.8 there is no right to nominate a Family Member to receive the Funeral Services instead of you and Section 6 does not apply;

1.6.9 Section 5 applies and you can ignore Sections 2, 3, 4, 6,10.1, 10.2 and 10.3; and

1.6.10 the total of the Fixed Monthly Payments paid by you could be higher than the cost of your Funeral Plan had you chosen the Single Payment Option, the 12 Monthly Payment Option or the Low Cost Instalment Option.

1.7 Your Funeral Plan may not cover all Third Party Costs for your Funeral Services. Please refer to Section 8 which tells you about any additional sums which your Estate may need to pay.

1.8 We are a registered provider with the Funeral Planning Authority. This means that you will benefit from any applicable protections available through the Funeral Planning Authority’s regulations but not for any life assurance policy referred to in Section 5.

SECTION 2 APPLIES ONLY WHERE YOU HAVE CHOSEN THE SINGLE

PAYMENT OPTION

2.1 You may choose to pay the Single Payment by an approved debit or credit card with the completed Application Form. We do not charge an additional processing fee if you pay by debit or credit card. Alternatively Single Payments may be paid by cheque made payable to The Golden Charter Trust.

2.2 All sums received from you will be paid directly to the Trust without deduction. The Trust is authorised to make payments from the Trust’s funds:

2.2.1 to us in order to pay the Selected Funeral Director at the time of your funeral or prior to that time in respect of any Funeral Director Arrangement Fee;

2.2.2 in respect of refunds due to overpayment or cancellation;

2.2.3 to us to meet our overheads, administration and operating expenses at a level agreed between us and the Trust and reviewed from time to time; and

2.2.4 to us to pay Third Party Costs.

2.3 You must notify us in writing of any change to your Funeral Services (including your address or funeral requirements), as soon as reasonably possible after the change. A change to your Funeral Services which is likely to have a significant cost impact (such as increased transportation costs) may result in the appointment by us of a new Selected Funeral Director and/or an increase in the Funeral Director’s Costs and/or Third Party Costs. If, as a result of such a change, the existing or new Selected Funeral Director reasonably needs to increase the Funeral Director’s Costs and/or the allowance for Third Party Costs or charge a Funeral Director Arrangement Fee, you must either pay any such additional sums to us within 30 days of our request or your Funeral Plan will be cancelled and a refund made under Section 10.1.

SECTION 3 APPLIES ONLY WHERE YOU HAVE CHOSEN THE 12 MONTHLY

PAYMENT OPTION

3.1 You may choose to pay the Deposit by an approved debit or credit card with the completed Application Form. We do not charge an additional processing fee if you pay by debit or credit card. Alternatively Deposits may be paid by cheque made payable to The Golden Charter Trust. You must pay the monthly instalments by Direct Debit and you (or any person taking out the Funeral Plan for your benefit) will need to complete a Direct Debit instruction in favour of the Trust.

3.2 You must notify us in writing of any change to your Funeral Services (including your address or funeral requirements), as soon as reasonably possible after the change. A change to your Funeral Services which is likely to have a significant cost impact (such as increased transportation costs) may result in the appointment by us of a new Selected Funeral Director and/or an increase in the Funeral Director’s Costs and/or Third Party Costs. If, as a result of such a change, the existing or new Selected Funeral Director reasonably needs to increase the Funeral Director’s Costs, or the allowance for Third Party Costs or charge a Funeral Director Arrangement Fee, you must either pay any such additional sums to the Trust within 30 days of our request or the Funeral Plan will be cancelled and a refund made under Section 10.2.

3.3 All sums received from you will be paid directly to the Trust without deduction. The Trust is authorised to make payments from the Trust’s funds:

3.3.1 to us in order to pay the Selected Funeral Director at the time of your funeral or prior to that time in respect of any Funeral Director Arrangement Fee;

3.3.2 in respect of refunds due to overpayment or cancellation;

3.3.3 to us to meet our overheads, administration and operating expenses at a level agreed between us and the Trust and reviewed from time to time; and

3.3.4 to us to pay Third Party Costs.

3.4 Where we agree to accept payment of the Amount Payable by the 12 Monthly Payment Option over a Set Period you agree to pay the Amount Payable over the Set Period which we have agreed with you and will confirm separately in writing. The maximum Set Period available to you will be 12 months and there are no additional charges for using such payment option.

3.5 If, at the date of your death or, where you exercise your rights under Section 6.1 the date of your Nominated Family Member’s death, any payment is in arrears or any part of the Amount Payable remains unpaid the Funeral Services benefits will still be available but only if any balance of the Amount Payable outstanding is paid by you or your Nominated Family Member’s Estate to us or (if instructed by us) to the Selected Funeral Director. If the outstanding balance is not paid the Funeral Plan will be cancelled and a refund paid under Section 10.2.

3.6 You are entitled to make early settlement of the Amount Payable. To make early settlement you must pay the balance of the Amount Payable then unpaid. Contact us to discuss acceptable payment methods.

3.7 If you choose the 12 Monthly Payment Option you cannot subsequently choose to pay by the Low Cost Instalment Option.

SECTION 4 APPLIES ONLY WHERE YOU HAVE CHOSEN THE LOW COST

INSTALMENT OPTION

4.1 You may choose to pay a Deposit and, if you do so, you can pay by an approved debit or credit card with the completed Application Form. We do not charge an additional processing fee if you pay by debit or credit card. Alternatively Deposits may be paid by cheque made payable to The Golden Charter Trust. You must pay the monthly instalments by Direct Debit and you (or any person taking out the Funeral Plan for your benefit) will need to complete a Direct Debit instruction in favour of the Trust. If any instalments are not paid on the due date(s), you will be advised of this and we will allow 30 days of grace during which time you can pay the outstanding payments and your Funeral Plan will be unaffected. If the outstanding instalments are not received within 30 days you will be sent a reminder. If the outstanding instalments are still not paid then Section 4.5 will apply if you have already paid not less than 12 monthly instalments or Section 4.11 will apply if you have paid fewer than 12 monthly instalments.

4.2 You must notify us in writing of any change to your Funeral Services (including your address or funeral requirements), as soon as reasonably possible. If you change your funeral requirements or your circumstances change and this is likely to have a significant cost impact (such as increased transportation costs) then we will re-calculate the level of the monthly instalments payable by you. We will advise you of the amended level of the instalments due by you before confirming the change to your Funeral Plan. In addition, a change to your Funeral Plan which is likely to have a significant cost impact may result in the appointment by us of a new Selected Funeral Director. If you do not wish to pay instalments at the amended level and you do not wish to cancel any proposed change:

4.2.1 if you have paid not less than 12 monthly instalments, Section 4.5 will apply and the sums you have paid will be treated as a contribution towards your Funeral Plan costs; or

4.2.2 if you have paid fewer than 12 monthly instalments, unless Section 4.7 applies, Section 4.11 will apply and all sums you have paid will be retained by us.

4.3 All sums received from you will be paid directly to the Trust without deduction. The Trust is authorised to make payments:

4.3.1 to us in order to pay the Selected Funeral Director at the time of your funeral or prior to that time in respect of any Funeral Director Arrangement Fee;

4.3.2 for contributions towards Funeral Services costs as set out in Sections 4.5 and 4.8;

4.3.3 to us where Section 4.11 applies;

4.3.4 to us to meet our overheads, administration and operating expenses at a level agreed between us and the Trust and reviewed from time to time; and

4.3.5 to us to pay Third Party Costs.

4.4 Where we agree to accept payment of the Amount Payable by the Low Cost Instalment Option you agree, subject to Sections 4.5, 4.6 and 4.7, to pay the Amount Payable in the instalments and over the Set Period which we have agreed with you and will confirm separately in writing. The level of the instalments payable by you is determined by:

4.4.1 the Funeral Services chosen by you (including any personalisation options);

4.4.2 your age at the date of our acceptance of your Funeral Plan; and

4.4.3 the period over which you wish to pay the instalments. The minimum Set Period is 24 months and the maximum Set Period available to you will be the lesser of (1) 30 years and (2) the number of full years between your age at the date of our acceptance of your Funeral Plan and 80 years.

4.5 You may choose, but only after paying not less than 12 monthly instalments, to stop paying the instalments otherwise due by you. If you do so your Funeral Plan payments will not be refunded to you or your Estate or your Nominated Family Member’s Estate. If you, your Estate or your Nominated Family Member’s Estate (as appropriate) pay the outstanding balance of the Amount Payable and any sums due under Section 8 to us or to the Selected Funeral Director (as advised by us) when your or your Nominated Family Member’s funeral is carried out, the benefits of your Funeral Plan including the Guarantee will still be available. If your Estate or your Nominated Family Member’s Estate choose not to pay the outstanding balance of the Amount Payable provided you have paid not less than 12 monthly instalments, either (1) all sums paid by you less our administration fee of £399 or, if less, (2) the Amount Payable had you chosen to pay by the Single Payment Option, will be retained in the Trust and then treated as a contribution towards the cost of your or your Nominated Family Member’s Funeral Services and paid by us directly to the Selected Funeral Director. If the outstanding balance of the Amount Payable and any sums due under Section 8 are not paid when your or your Nominated Family Member’s funeral is carried out, the benefits of your Funeral Plan including the Guarantee will not be available.

4.6 If you have paid not less than 12 monthly instalments and you stop paying the instalments due by you, you may on one occasion only re-start payment at a later date but we may increase the instalment payments due by you to reflect the instalments not paid and the period of non-payment. We may instead agree an extended Set Period with you in order to keep your monthly instalments at the same level but subject to Section 4.4. We will advise you in writing of any change to the instalments or amended Set Period as a result of this Section 4.6.

4.7 If you die within 12 months of you paying the first instalment due by you, all sums paid by you will be refunded to your Estate and the benefits of your Funeral Plan including the Guarantee will not be available. Your Estate may (but is not obliged to) use such sum as a contribution to the cost of your or your Nominated Family Member’s funeral and make up the balance of such cost by making payment direct to the Selected Funeral Director. If your Estate chooses to do so you, your Estate or your Nominated Family Member’s Estate (as appropriate) will then be obliged to make a separate payment to the Selected Funeral Director of the outstanding balance of the Amount Payable and any sums due under Section 8 when your or your Nominated Family Member’s funeral is carried out.

4.8 If, as at the date of your death, you have paid more than 12 monthly instalments but the Amount Payable has not been paid in full, either (1) all sums paid by you less our administration fee of £399 or, if less, (2) the Amount Payable had you chosen to pay by the Single Payment Option, will be retained in the Trust and then treated as a contribution towards the cost of your or your Nominated Family Member’s Funeral Services and paid by us directly to the Selected Funeral Director. You, your Estate or your Nominated Family Member’s Estate (as appropriate) may make a separate payment of the outstanding balance of the Amount Payable and any sums due under Section 8 to us or to the Selected Funeral Director (as advised by us) when your or your Nominated Family Member’s funeral is carried out. Subject to such payment(s) being made, the benefits of your Funeral Plan including the Guarantee will still be available. If the outstanding balance of the Amount Payable and any sums due under Section 8 are not paid when your or your Nominated Family Member’s funeral is carried out, the benefits of your Funeral Plan including the Guarantee will not be available.

4.9 You are entitled to make early settlement of the Amount Payable. To make early settlement you must pay the balance of the Amount Payable then unpaid. Contact us to discuss acceptable payment methods.

4.10 If you choose the Low Cost Instalment Option you cannot subsequently choose to pay by the 12 Monthly Payment Option.

4.11 If you pay fewer than 12 monthly instalments and stop paying instalments otherwise due by you and/or Section 4.2.2 applies but Section 4.7 does not apply, the benefits of your Funeral Plan including the Guarantee will not be available. Your Funeral Plan will be cancelled and all sums paid by you will be retained by us. If you have paid fewer than 12 monthly instalments Sections 4.5 and 4.6 will not apply so you cannot choose to stop paying the instalments otherwise due by you or restart payment at a later date.

SECTION 5 APPLIES ONLY WHERE YOU HAVE CHOSEN THE FIXED

MONTHLY PAYMENT OPTION

5.1 If the Fixed Monthly Payment Option is chosen, payments will be used by us to buy a life assurance policy on your life with AXA Wealth Limited. We will be the beneficiary of that policy, not you or your Estate. The proceeds of that policy will belong to us to enable us to pay for your Funeral Services. You (or any person taking out the Funeral Plan for your benefit) will need to complete a Direct Debit instruction in favour of AXA Wealth Limited who will collect the monthly payments. AXA Wealth Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. All Funeral Services are arranged by us and will be provided by the Selected Funeral Director.

5.2 Any change to your Funeral Services (including your address or funeral requirements) which is likely to have a significant cost impact may require (1) additional sums to be paid to your existing Selected Funeral Director at the time of your funeral to accommodate your wishes or (2) a change of Selected Funeral Director. If so, the Guarantee given by the original Selected Funeral Director will lapse. A new Selected Funeral Director will be allocated by us and, while reasonable efforts will be made by us to obtain a Guarantee from the new Selected Funeral Director, the new Selected Funeral Director may require additional sums at the time of your funeral to accommodate your wishes. You will be advised in writing of an estimate of any such additional costs as at the date of the transfer to the new Selected Funeral Director. The new Selected Funeral Director will treat the proceeds available from the life assurance policy referred to in Section 5.1 as a contribution towards your funeral costs. Your monthly payments will not change in any way and your Estate must make a separate payment for any additional costs and/or Third Party Costs to the new Selected Funeral Director at the time of the funeral.

5.3 Except as stated in Section 5.2 you will be unable to modify or amend any of your Funeral Services before the funeral. Any proposed changes or additions made to such arrangements at the time of your funeral must be agreed separately with the Selected Funeral Director with additional payment for any amended or additional services or items made (without our involvement) direct to the Selected Funeral Director.

5.4 The Fixed Monthly Payments will be fixed and cannot be altered. The amount of the Fixed Monthly Payment is determined by the Funeral Plan chosen by you, your chosen Funeral Services and your age when you purchase your Funeral Plan. The Fixed Monthly Payment will be confirmed in writing once your application has been received and processed. The first payment will be taken within seven weeks after the start date of your Funeral Plan which is the date on which we accept your application (see Section 11.2). You must keep paying them until one month before the anniversary of the start date prior to your 90th birthday, or until your death, if sooner, when payments stop. If any Fixed Monthly Payments are not made on the due date(s), you will be advised of this and we will allow 30 days of grace during which time you can pay the outstanding payments and your Funeral Plan will be unaffected. If the outstanding Fixed Monthly Payment(s) are not received within 30 days you will be sent a reminder. If the outstanding Fixed Monthly Payments are still not paid, then your Funeral Plan will be cancelled and you will not get any money back.

5.5 If your date of death is more than two years from your Funeral Plan’s start date, any outstanding Fixed Monthly Payments (maximum one month) must be paid prior to receipt of the Funeral Services. If your date of death is less than two years from the start date, the benefits of the Funeral Services including the Guarantee will not be available. Instead, we will, provided that all Fixed Monthly Payments due at the date of death have been paid, (1) pay a sum equivalent to 120% of the Fixed Monthly Payments actually paid to the Selected Funeral Director as a contribution towards your funeral costs (with your Estate making a separate payment directly to the Selected Funeral Director of all additional costs and Third Party Costs required to carry out the funeral arrangements as advised by the Selected Funeral Director) or (2) if confirmed in writing by your Estate, pay that sum to it.

SECTION 6 YOUR RIGHT TO NOMINATE

6.1 Where you choose the Single Payment Option, the 12 Monthly Payment Option or the Low Cost Instalment Option but not where you have chosen the Fixed Monthly Payment Option, if a Family Member dies before you, then you have the option to transfer the benefit of the Funeral Services under your Funeral Plan to that Family Member.

6.2 A change of any arrangements for Funeral Services within the Funeral Plan (including address or funeral requirements) following such a transfer may result in the appointment by us of a new Selected Funeral Director and/or additional sums being due by you because of increases in either or both of the Funeral Director’s Costs and/or Third Party Costs. If the existing or new Selected Funeral Director wishes to increase any of the Funeral Director’s Costs or the allowance for Third Party Costs or charge a Funeral Director Arrangement Fee, you (or your Nominated Family Member’s Estate) must either pay such additional sums as we notify to you or your transfer will lapse and the benefit of the Funeral Services will stay with you as detailed in Section 6.3.

6.3 Your Funeral Plan is for the Funeral Services of one person only whether that is you or your Nominated Family Member. If there is a change of Selected Funeral Director or the Funeral Services within your Funeral Plan as a result of you nominating a Family Member under Section 6 and any additional sums required are not paid, your Funeral Plan will not be cancelled and the benefit of it will instead automatically stay with you in line with the arrangements originally agreed.

6.4 In the event of any dispute arising following your nomination of a Family Member under Section 6, the benefit of the Funeral Services under your Funeral Plan will, at our option, stay with you and the funeral arrangements of the Nominated Family Member will not be carried out. We will not be responsible for the resolution of any such dispute.

SECTION 7 WHAT IS COVERED BY YOUR FUNERAL PLAN?

7.1 Subject to the exceptions set out in Sections 5 and 8, your Funeral Plan will include (1) all the Funeral Director’s Costs (including as referred to in Section 7.3) except for additional transportation costs as referred to in Sections 8.1.7 and 8.1.10 and other additional costs as referred to in Sections 8.1.8 and 8.1.9; and (2) an allowance for Third Party Costs (as adjusted by the Trust Growth Factor).

7.2 The advertised price of your Funeral Plan covers only the Funeral Services detailed by us. If you wish to add any services or items to your Funeral Plan additional sums will be due by you under Section 8.1.1.

7.3 If you (or your Nominated Family Member) die while on holiday in the United Kingdom, your Funeral Plan will cover the cost of transportation of the body to the Selected Funeral Director’s premises.

SECTION 8 WHAT IS NOT COVERED BY YOUR FUNERAL PLAN?

8.1 Your Funeral Plan may require you or your Estate (or your Nominated Family Member’s Estate where Section 6 applies) to pay additional sums as follows:

8.1.1where there has been a change to your Funeral Services and Sections 2.3, 3.2, 4.2 or 5.2 apply, the amount required under these Sections or, where you have chosen to add any personalisation options to your Funeral Services, the amount advised by us or by the Selected Funeral Director;

8.1.2 any difference between the allowance for Third Party Costs as adjusted by the Trust Growth Factor and the actual amount (if greater) of Third Party Costs incurred by us or the Selected Funeral Director at the time of your funeral;

8.1.3 any fee payable to doctors or others for the issue of a cremation medical certificate or similar (no provision for any such fees being included in the allowance for Third Party Costs);

8.1.4 where you nominate a Family Member to receive the Funeral Services, any sums due under Section 6;

8.1.5 any Value Added Tax due under Section 12.4;

8.1.6 any sum due under Sections 3.5, 4.5 or 4.8 where the Amount Payable has not been fully paid or any arrears of Fixed Monthly Payments due under Section 5.4;

8.1.7 unless Section 7.3 applies, if requested by the Selected Funeral Director, any additional costs incurred by the Selected Funeral Director in relation to transportation to and/or from the place(s) (1) at which your funeral (or your Nominated Family Member’s funeral) occurs and/or (2) from which the body is collected, if and to the extent such place(s) are more than 15 miles from the Selected Funeral Director’s premises closest to your home address;

8.1.8 any additional costs (including for time) incurred by the Selected Funeral Director if you or your Nominated Family Member or Estate choose a crematorium which is more than 15 miles from the Selected Funeral Director’s premises;

8.1.9 an appropriate sum to reflect the additional time and resources used by the Selected Funeral Director if the duration of your or your Nominated Family Member’s funeral service is (at your own or your Estate’s request) significantly longer than average; and

8.1.10 any transportation costs incurred, if you or your Nominated Family Member die outside of the UK, in repatriating you or your Nominated Family Member back to an airport or port in mainland UK. For residents of Northern Ireland, additional transportation costs for transportation to a port or airport in Northern Ireland from outside of the UK or from mainland UK apply; your Funeral Services will cover the cost of transportation of the body from the relevant UK airport or port to the Selected Funeral Director’s premises.

8.2 Your Estate (or your Nominated Family Member’s Estate where Section 6 applies) must, before the Selected Funeral Director will carry out your (or your Nominated Family Member’s) Funeral Services, pay to us or to our order the additional sums referred to in this Section 8. Neither the Trust, us, the Selected Funeral Director or (where the Fixed Monthly Payment Option is chosen) AXA Wealth Limited will be responsible for those sums.

SECTION 9 SELECTED FUNERAL DIRECTOR AND YOUR FUNERAL

ARRANGEMENTS

9.1 Appointment of Selected Funeral Director We will appoint the Selected Funeral Director as our sub contractor to carry out your Funeral Services (or any Nominated Family Member’s Funeral Services where Section 6 applies) and will, subject to Sections 5.2, 5.5 and 8, have the Selected Funeral Director provide the Guarantee. We will use reasonable efforts to ensure that the highest quality of service is provided by the Selected Funeral Director.

9.2 We have the right to appoint a Selected Funeral Director where there is any failure on the part of the Selected Funeral Director appointed by you (see Section 9.3).

9.3 Provision of Funeral Services We will ensure that the Selected Funeral Director carries out your Funeral Services in accordance with your Funeral Plan or, in the event of failure by the Selected Funeral Director, that an alternative Selected Funeral Director chosen by us carries out the funeral arrangements in the same manner (subject to Sections 5 and 6). Failure by the Selected Funeral Director could include them going out of business or ceasing to trade or refusing to perform the Funeral Services required under the Funeral Plan to our satisfaction and/or in accordance with payment and other arrangements between us and the Selected Funeral Director.

9.4 Our responsibility will only be for the provision of your Funeral Services (or your Nominated Family Member’s where Section 6 applies) as specified in the Funeral Plan. We will have no responsibility for any additional services, items or costs unless we or the Selected Funeral Director were responsible for organising or providing those items or services.

SECTION 10 YOUR RIGHT TO CANCEL AND GET A REFUND

SINGLE PAYMENT OPTION ONLY

10.1 A refund of all sums paid will be made (in line with the Application Form) if written notice of cancellation of your Funeral Plan is received by us within 30 days of our written acceptance. If written notice of cancellation is received after such 30 day period, we will charge a cancellation fee of £249 and the Selected Funeral Director will retain any Funeral Director Arrangement Fee. This sum will be deducted from the sums to be refunded.

12 MONTHLY PAYMENT OPTION ONLY

10.2 A refund of all sums paid will be made (in line with the Application Form) if written notice of cancellation is received by us within 30 days of our written acceptance. If written notice of cancellation is received after such 30 day period, we will charge a cancellation fee of £249 and the Selected Funeral Director will retain any Funeral Director Arrangement Fee. This sum will be deducted from the sums to be refunded to you.

LOW COST INSTALMENT OPTION ONLY

10.3 A refund of all sums paid will be made (in line with the Application Form) if written notice of cancellation is received by us within 30 days of our written acceptance. You cannot cancel your Funeral Plan after such 30 day period and no refund will be paid to you. The instalments paid by you will be treated as set out in Sections 4.5, 4.7, 4.8 or 4.11.

FIXED MONTHLY PAYMENT OPTION ONLY

10.4 If you wish