1Arranging the Funeral
Our services to you start when you contact us, whether by telephone or calling personally; and extend often way beyond the day of the funeral. On initial contact, we will ask for preliminary details, whereupon if your loved one has died at home, or in a private nursing home - we will organise conveyance to our funeral home.
The Funeral Director will then meet you (at a time and place to suit) to arrange the funeral to the high standard you would expect. If you want something that little bit different, we will always do our best to fulfil your wishes.
2Costs and Charges
In all aspects of the funeral arrangements, our staff will point of the procedures and legal requirements. Whilst arranging the funeral, we will advise on costs and charges to be incurred, culminating in a written estimate that should be agreed and signed so that you feel confident with the funeral commitment you have arranged.
The funeral account itself is divided into two separate parts, Funeral Director's charges and disbursements. The Funeral Director's charges are our professional fees and overhead costs, which include: the provision of a 24 hour a day on call service, our professional services in making the funeral arrangements and arranging documentation and necessary personal attendances, the conveyance of your loved one to our private Chapel of Rest. The disbursements are fees which we pay on your behalf, and include fees for crematoriums, cemeteries, churches and vicars, etc.
Relatives and friends often wish to visit the Chapel of Rest to pay their last respects before the day of the funeral. This can be organised, provided the family are in agreement.
3Hearse and Limousines
The hearse for the Funeral with chauffeur and sufficient bearers are also an essential part of our services to you. Limousines are charged for separately. This ensures that the family is not charged for something they may not need or want. The charged for limousines is fully inclusive to cover transport from the address at which your family requires to be picked up, through to your return to the final destination, within a limited distance. Each limousine is chauffeur driven and will normally carry up to six mourners.
All deaths are required, by law, to be registered. Usually the GP will issue a MEDICAL CERTIFICATE OF CAUSE OF DEATH, which is then required to be taken to the DISTRICT REGISTRAR (with, if possible, the deceased's medical card) by one of the following:
1. A relative of the deceased who is present at death.
2. A relative of the deceased who was in attendance during the illness.
3. A relative residing or being in the district where the death occurred.
4. A person present at death.
5. The occupier of the house, if he or she knew of the happening of the death.
6. An inmate of the house, if he or she knew of the happening of the death.
7. The person dealing with the disposal of the deceased (not the Funeral Director)
The procedure when you go to the Registrar is very straight forward and following questions will be asked:
Date and place of death.
Full name of the deceased.
Marriage status of the deceased.
Home address of the deceased.
If the deceased is:
Male (even if retired) his last occupation.
Female (either married or widowed) her maiden name and her husband's full name and occupation.
Female her occupation if any. If married at date of death, the date of birth of the surviving partner.
The registrar will then issue the following:
1. A GREEN CERTIFICATE which is required by the FUNERAL DIRECTOR for either cremation or burial.
2. A WHITE CERTIFICATE OF DEATH which is required should you wish to claim any NI benefits.
3. Additional copies of the certified entry of death (otherwise known as the Death Certificate) may be obtained from the Registrar upon payment of the appropriate fee should you require them for legal purposes. The REGISTRAR will advise you on this.
Should the death the notified to the CORONER and, following a post mortem it is necessary for an inquest to be opened and adjourned, then the REGISTRATION procedure is slightly different and will be explained at the time.
5Is there a Will?
If it is known that a Will was made, it is important that the contents should be ascertained as soon as possible after death, as it may contain directions as to the funeral arrangements, etc. This Will may be among personal papers at home or with a bank or solicitor for safe custody. Before the estate left by a deceased person can be realise and distributed among the person's entitled to share it, a GRANT of PROBATE or LETTERS of ADMINISTRATION are usually required.
Perhaps the simplest procedure is to instruct a Solicitor or bank to act for you. If you decide to use a Solicitor or bank to act for you, this will not necessarily involved you in heavy expense and will almost certainly relieve you of many worries. If you decide to use a Solicitor or Bank Manager to obtain the appropriate grant, they will need to see a copy of the Death Certificate.
They will also require such items;
National Savings Bank Books
Insurance Policies ... in the name of the deceased.
They will also need to have details of any debts that may be owing. You need not worry about paying these immediately. They can be dealt with in time.
Where the deceased has left a Will, it has to be proved before the Probate Registry of the High Court of Justice, after which the executors named in the Will are enabled to administer the estate.
7Letters of Administration
It may be possible to arrange for your Bank or Solicitor to act in the administration of the estate where no Will has been left. This can be of real benefit to the family faced with complex financial matters.
Where amounts are small, it is sometimes possible for them to be obtained without making application for a grant. This applies mainly to assets held by the National Savings Bank, but only where the total net estate does not exceed the current amount set annually and in accordance with the Government budget.
9Applying for a grant yourself
To make a personal application or make enquiries regarding Inheritance Tax, contact the Probate and Inheritance Tax Helpline on 0845 3020900 who will advise and send out the appropriate paperwork. Alternatively, use the webpage: www.hmrc.gov.uk/inheritancetax
Complete the forms to the best of your ability and send by post together with: A copy of the Death Certificate (from Registrar), any Will or written wishes left by the deceased. Full details of the estate, i.e. everything possessed by them, or due to the deceased, like a house, property, cash, bank balances and insurances. Return the forms by registered post and state at which registry office the interview should take place.
10Consult a Solicitor
In most circumstances, it is advisable for you to consult dasolicitor both to releive you of many worries and to take control of Wills, problems of intestacy, outstanding debts, grants and letters of administration. A solicitor will save you a great deal of unnecessary trouble and eventually save you money. If it is known that a Will was made, it is important that the contents be ascertained as soon as possible as it may contain instructions regarding the funeral arrangements.
A Will may be among personal papers, with the bank or solicitor for safe keeping. If a solicitor has been consulted by the deceased in the recent past, it is important that you contact them without delay.
The gentle beauty of flowers expresses you personal remembrance and brings comfort to the bereaved and we will be pleased to assist you with your selection if you wish.
12Donations to Charity
If donations are requested in lieu of flowers, we will accept and list donations on your behalf and forward them in due course to a charity of your choice.
When you are deciding on the final resting place for your loved ones cremated remains, it is important you are aware of all the options available to you. All crematoria have a Garden of Remembrance, or similar area where Ashes may be scattered or interred. This is usually completed soon after the funeral by the crematorium superintendent, unless you wish to witness the scattering or internment of the remains and then an appointment must be made.
An alternative is to have the remains interred in a family grave or purchase a cremated remains plot at the local cemetery/churchyard. You then have the option to erect a permanent memorial, which gives you and your family a place of focus to remember and reflect.
If you are not sure and need to consider, we will collect the cremated remains from the crematorium and keep them safe until you feel able to make a decision.
We also offer a monumental service. You can be assured of our professionalism and that our workmanship is of a high standard.
In the case of an existing memorial, it may be necessary to remove it from the grave prior to the funeral and it may be some months later depending on the condition of the ground, before the memorial can be reinstated. During the period of settlement, where possible, our mason will remove the memorial back to our premises for safe keeping.
A memorial is not just a grave marker, but also a lasting symbol of remembrance and therefore, it is not always easy to decide on your individual requirements. We would be please to assist you in choosing a design and material, which meets your wishes, and ensure that the rules and regulations of the cemetery or churchyard are complied with.
15 Pre-Payment Plans
Pre-paying your own funeral means that you can choose your funeral arrangements, for your own peace of mind.
You will save your family from having to make difficult decision, trying to guess what you would have wanted, at such a distressing time. Avoid rising funeral costs with an inflation-proof guarantee of our charges. Your payments are held in trust until required. We will be pleased to give you information and advice on pre-payment plans and to arrange your pre-payment with you, either in the comfort of your own home or by calling into our funeral home.