Many people who bought joint funeral plans several years ago later decide they would prefer individual plans instead. It is common to feel unsure about whether the existing plan can be changed, whether cancellation fees apply, and how to approach the provider. Understanding the process in plain English can help you take the next steps confidently and avoid unexpected costs.
Understanding the issue or context
In 2017, joint funeral plans were a popular option. Over time, circumstances change, and many couples decide they would feel more secure with two separate plans.
Common concerns include:
- whether the joint plan can be cancelled or amended
- whether switching to two individual plans triggers fees
- how to avoid unnecessary financial loss
- how best to approach Co-op to explain the change in circumstances
It is normal to feel unsure about the correct process, especially as funeral plans are now regulated and providers follow stricter rules.
The legal rules or framework
Funeral plans are regulated by the Financial Conduct Authority (FCA). Under the current rules:
Rights to cancel or amend a funeral plan
- Most providers allow cancellation or amendment, but terms vary depending on the original contract.
- Older plans (such as those purchased in 2017) may include cancellation fees, which must be clearly set out in the plan documents.
- Providers must treat customers fairly and provide clear information about consequences, refunds, and options.
Requesting amendments
If you wish to replace one joint plan with two individual plans, the provider must:
- explain the financial impact
- tell you if any fees apply
- set out alternative options (e.g., splitting rather than cancelling)
Consumer protection
Providers must act in your interests and offer transparent advice. You are entitled to request written confirmation of any proposed fees or changes before agreeing.
Practical steps to take (step-by-step guidance)
- Locate the original plan documents
Check the terms relating to cancellation, amendment, or splitting of a joint plan. Older plans may have different rules from those sold today. - Contact Co-op formally
Write or email Co-op Funeralcare and explain that:- you purchased a joint plan in 2017
- you now wish to purchase two separate individual plans
- you would like to understand your options for converting or cancelling the existing plan
- Request a waiver of cancellation fees
Providers will sometimes waive fees where:- the customer remains loyal
- the customer is purchasing new plans
- the change is administrative rather than a withdrawal
- Ask for everything in writing
This includes:- any proposed costs
- any deductions
- any transfer or cancellation arrangements
- the terms of the new plans
- Compare plan options before agreeing
Ensure the new individual plans meet your preferences for services, payment methods, and coverage. - Consider whether splitting the plan is possible
Some providers can convert a joint plan into two separate ones without cancelling. Ask whether this option is available and whether it avoids fees. - Keep clear records
Retain copies of letters, emails, plan documents, and any fee quotations.
These steps help you move from uncertainty to a clear understanding of your choices and minimise the risk of unnecessary charges.
Common pitfalls to avoid
- Assuming the plan cannot be changed
Many providers will accommodate changes if you remain a customer. - Not requesting a fee waiver
Providers may not automatically waive fees unless you ask. - Agreeing to cancellation without written confirmation of refund amounts
Always obtain confirmation before authorising changes. - Not checking alternative options
Some plans can be split or transferred rather than cancelled. - Relying on verbal conversations alone
Written communication protects you if questions arise later.
Frequently Asked Questions
Can we cancel a joint funeral plan and take out two new plans?
Yes, but cancellation fees may apply depending on the 2017 plan terms. Co-op may choose to waive the fee if you are purchasing two new plans.
Can a joint plan be converted rather than cancelled?
Some providers offer this, but not all. You should ask Co-op whether they can split the plan internally.
Will Co-op agree to waive the cancellation fee?
They may do so if you explain your loyalty and your intention to buy two new plans. You can request this formally.
What happens to the money already paid into the joint plan?
Co-op must provide a clear breakdown of any refund amounts or remaining balance once fees (if any) are applied.
Will the new plans offer the same coverage?
This depends on the plan type you choose. Review all documents to ensure the new plans meet your expectations.
Do we need financial advice?
Not usually. However, if the plan involves significant values or you are unsure about the terms, a solicitor can help you understand your position.
Conclusion
If you’d like to understand your rights and options in plain English, visit LegalGuidance.org — a free resource powered by Martin Taggart Legal Consulting.
For professional, fixed-fee advice from a UK solicitor, visit MartinTaggart.com.
This information is general guidance only and not legal advice. For personalised support, please contact Martin Taggart Legal Consulting.