Simple cremations both Spain and UK
#16
Re: Simple cremations both Spain and UK
A "simple" cremation in Spain or the UK currently costs less than 1500 euros or 1000 pounds.
Frankly most plans are extortionate and did I not just see a report that one provider has just gone bust and the money wasn't ringfenced as it should have been.
My guess, and it is only a guess, if you wished to cover the cost a term insurance policy would be far cheaper option and would cover not just Spain and the UK but worldwide.
Best
Loco
Frankly most plans are extortionate and did I not just see a report that one provider has just gone bust and the money wasn't ringfenced as it should have been.
My guess, and it is only a guess, if you wished to cover the cost a term insurance policy would be far cheaper option and would cover not just Spain and the UK but worldwide.
Best
Loco
Morning all,
Does anyone have any indication or experience of arranging a policy that covers you for a simple cremation (no wistles and bells) that is valid in both Spain and the UK. One without hidden costs and that is secure and fully transferable should i ever return to the UK.
Many thanks,
Owen
Does anyone have any indication or experience of arranging a policy that covers you for a simple cremation (no wistles and bells) that is valid in both Spain and the UK. One without hidden costs and that is secure and fully transferable should i ever return to the UK.
Many thanks,
Owen
#17
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Location: Velez-Malaga
Posts: 4,873
Re: Simple cremations both Spain and UK
Not suitable for anyone who wants a prepaid plan which would be valid in either Spain or UK, but for simple cremation in Spain quotes are available from websites like this one (I put Malaga in the search criteria but just change that to whatever area is relevant):-
https://www.cofune.com/flist?&provin...xoCCS0QAvD_BwE
https://www.cofune.com/flist?&provin...xoCCS0QAvD_BwE
#18
Lost in BE Cyberspace
Joined: Feb 2008
Posts: 5,588
Re: Simple cremations both Spain and UK
Not suitable for anyone who wants a prepaid plan which would be valid in either Spain or UK, but for simple cremation in Spain quotes are available from websites like this one (I put Malaga in the search criteria but just change that to whatever area is relevant):-
https://www.cofune.com/flist?&provin...xoCCS0QAvD_BwE
https://www.cofune.com/flist?&provin...xoCCS0QAvD_BwE
#19
Re: Simple cremations both Spain and UK
A "simple" cremation in Spain or the UK currently costs less than 1500 euros or 1000 pounds.
Frankly most plans are extortionate and did I not just see a report that one provider has just gone bust and the money wasn't ringfenced as it should have been.
My guess, and it is only a guess, if you wished to cover the cost a term insurance policy would be far cheaper option and would cover not just Spain and the UK but worldwide.
Best
Loco
Frankly most plans are extortionate and did I not just see a report that one provider has just gone bust and the money wasn't ringfenced as it should have been.
My guess, and it is only a guess, if you wished to cover the cost a term insurance policy would be far cheaper option and would cover not just Spain and the UK but worldwide.
Best
Loco
It wouldn't surprise me if, between moves/leaving the country, payments/membership lapsing, and the beneficiary forgetting to tell anyone about the funeral plan, that 10%-20% of such plans are never used despite being fully paid for.
#20
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Location: Nerja
Posts: 594
Re: Simple cremations both Spain and UK
I have always suspected that many "funeral plans" are, for one reason or another, never claimed/used, whether they are savings based or insurance based, which is one of the reasons that the funeral directors love to push such schemes.
It wouldn't surprise me if, between moves/leaving the country, payments/membership lapsing, and the beneficiary forgetting to tell anyone about the funeral plan, that 10%-20% of such plans are never used despite being fully paid for.
It wouldn't surprise me if, between moves/leaving the country, payments/membership lapsing, and the beneficiary forgetting to tell anyone about the funeral plan, that 10%-20% of such plans are never used despite being fully paid for.
#21
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Location: Hérault (34)
Posts: 8,883
Re: Simple cremations both Spain and UK
Hi from the France forum!
Two experiences which might also be applicable to Spain::
My former neighbour cancelled her French "Funeral Plan" when she realized that what she had paid over the years was vastly more than what a French cremation would cost. In addition, a penalty was deducted from the sum reimbursed, as she had closed it before time.... (She had returned to the UK before she died...)
When OH died, the Undertakers dealt with all the funeral procedure and I paid them, having kept that sum in a savings account (+/- 3000€). This was possible as we had a joint account, otherwise his own account would have been frozen.... Since I'm now living alone, I have accumulated enough cash, which is kept at home, so that my daughters don't have to fork out such a sum when the time comes.
What no one has mentioned, whether you have a Funeral Plan or hidden money, is all the paperwork after the funeral, for which the undertakers give a list. I had a dozen letters to send to OH's various Pensions, the Bank, the Tax Office, the Social Security Office, House/Car Insurances, Utility providers, etc...., enclosing a Death Certificate with each. This thread has reminded me to make a list of all the Organisations that my DDs must contact, together with references - it's bad enough coping with the grief, but the Bureaucracy adds insult to injury....
This said, it'll always be a problem for family in the UK, especially if the deceased is alone in Spain, with no one on the spot to deal with the administrative aftermath.
HTH
Two experiences which might also be applicable to Spain::
My former neighbour cancelled her French "Funeral Plan" when she realized that what she had paid over the years was vastly more than what a French cremation would cost. In addition, a penalty was deducted from the sum reimbursed, as she had closed it before time.... (She had returned to the UK before she died...)
When OH died, the Undertakers dealt with all the funeral procedure and I paid them, having kept that sum in a savings account (+/- 3000€). This was possible as we had a joint account, otherwise his own account would have been frozen.... Since I'm now living alone, I have accumulated enough cash, which is kept at home, so that my daughters don't have to fork out such a sum when the time comes.
What no one has mentioned, whether you have a Funeral Plan or hidden money, is all the paperwork after the funeral, for which the undertakers give a list. I had a dozen letters to send to OH's various Pensions, the Bank, the Tax Office, the Social Security Office, House/Car Insurances, Utility providers, etc...., enclosing a Death Certificate with each. This thread has reminded me to make a list of all the Organisations that my DDs must contact, together with references - it's bad enough coping with the grief, but the Bureaucracy adds insult to injury....
This said, it'll always be a problem for family in the UK, especially if the deceased is alone in Spain, with no one on the spot to deal with the administrative aftermath.
HTH
#22
Re: Simple cremations both Spain and UK
...... I had a dozen letters to send to OH's various Pensions, the Bank, the Tax Office, the Social Security Office, House/Car Insurances, Utility providers, etc...., enclosing a Death Certificate with each. This thread has reminded me to make a list of all the Organisations that my DDs must contact, together with references - it's bad enough coping with the grief, but the Bureaucracy adds insult to injury....
#23
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Re: Simple cremations both Spain and UK
And in the 21st century, that is further complicated by the need to close social media accounts, with each account having its own rules, and some of them being very difficult to contact as they seem to have very little by way of customer support. .... I have tried to engage LinkedIn concerning my best man's account but I don't have his death certificate, and his family are likely unaware of the account,.... and I don't know where to contact his family, so more than 15 years after he died his LinkedIn account is still open, though clearly of no use. Ditto a former neighbour's Farcebook account, which she used right up to her death, at age 100, but which had been hacked in the last year or so of her life, and so bizarrely her account remains active despite her having died about 2½ years ago.
#24
Re: Simple cremations both Spain and UK
In any case, as I think you are inferring, it would be a good idea for most people to investigate the matter themselves and set up the procedures and collect any documentation to enable someone to freeze/ delete their SM profiles after their demise.
Last edited by Pulaski; Apr 13th 2022 at 6:32 pm.
#25
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Location: Dubai
Posts: 846
Re: Simple cremations both Spain and UK
But that's kinda the point, it can be very difficult to prove that anyone "has the authority", as most SM accounts are free-floating, and/or are highly suceptible to thirdparty malicious communications designed to cause trouble, and many SM profiles don't obviously allign with a real person, with the name, and other personal details, not linking 1:1 with the data on a death certificate. For example people might have given the wrong DoB (as a not-unreasonable strategy to mitigate the risk of identifty theft), or the SM site not even requesting DoB.
In any case, as I think you are inferring, it would be a good idea for most people to investigate the matter themselves and set up the procedures and collect any documentation to enable someone to freeze/ delete their SM profiles after their demise.
In any case, as I think you are inferring, it would be a good idea for most people to investigate the matter themselves and set up the procedures and collect any documentation to enable someone to freeze/ delete their SM profiles after their demise.
#27
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Joined: Apr 2008
Location: Hérault (34)
Posts: 8,883
Re: Simple cremations both Spain and UK
And in the 21st century, that is further complicated by the need to close social media accounts, with each account having its own rules, and some of them being very difficult to contact as they seem to have very little by way of customer support. .... I have tried to engage LinkedIn concerning my best man's account but I don't have his death certificate, and his family are likely unaware of the account,.... and I don't know where to contact his family, so more than 15 years after he died his LinkedIn account is still open, though clearly of no use. Ditto a former neighbour's Farcebook account, which she used right up to her death, at age 100, but which had been hacked in the last year or so of her life, and so bizarrely her account remains active despite her having died about 2½ years ago.
Further off-topic and a minor consideration, the deceased's Direct Debit subscriptions must also be cancelled...
#28
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Joined: Feb 2020
Location: Nerja
Posts: 594
Re: Simple cremations both Spain and UK
My goodness, I didn't think of that. OH wasn't interested in social media, but I have a FB account and it'll go on the to-do list.... (DD2 installed it, so she'll know how to cancel it).
Further off-topic and a minor consideration, the deceased's Direct Debit subscriptions must also be cancelled...
Further off-topic and a minor consideration, the deceased's Direct Debit subscriptions must also be cancelled...
#30