Funeral Expenses

Please find all the necessary information regarding funeral expenses here. If you need further information, please do not hesitate to Contact Us

The Peace family and their team have a vast knowledge and experience. They will use this to empower you to make informed choices.  You will be given the time and guidance to make decisions that create a personal funeral, representing both yours and your loved one’s wishes.

Every funeral service is unique. We pride ourselves on giving each family every possible opportunity to create a service that suits their needs.

A H Cheater have been helping bereaved families in Romsey and surrounding areas arrange dignified affordable funerals for over 100 years. With their experience and knowledge, one of our qualified funeral directors will guide you through all the options available to you, as a funeral is a very personal experience.

Average funeral costs last year were £2715 (year ending May 2018) and third-party disbursements £1337

Following the arrangements, we will provide a detailed estimate of all the potential costs involved.

Professional Service Charge: Our emphasis is placed on service and this charge represents our administration throughout the funeral.  Including; use of our facilities, all arrangements and confirmation with clergy/crematoria, statuary documentation, insertion of press announcements, receipt and care of floral tributes, maintenance of our 24 hour service, a contribution to our fixed overhead business costs and advice and guidance in all matters relating to the funeral, together with our personal attention. Afterwards we are available to offer advice on any other matter you consider we might be of further assistance.

Vehicle Charge: This represents the use of a hearse for the conveyance of the deceased and uniformed bearers, together with the provision of limousines for mourners as required. We are also able to offer a number of different specialist vehicles subject to availability (see vehicles). Please ask us for further details.

Removal Charge: This provides for our staff to convey the deceased in our specialist vehicle from the place of death to our private Chapel of Rest and may vary with the distance and time involved.

Care of the deceased: Looking after the deceased once they arrive in our care until the day of the funeral, dressing in clothes selected by the family or in the gown selected with the coffin. Included in this is the use of our Chapel of Rest for visiting, by appointment and any preparation necessary.

The Coffin: Our clients are invited to select the type of coffin from our vast selection for either burial or cremation (see coffins)

Other Services: These include supplying printed orders of service, funeral stationary, Saturday funerals and arranging the final resting place of cremated remains.

Disbursements are the items which the funeral director pays at the time of the funeral, on behalf of the clients. These include; cremation fees, doctors’ fees, church and minister’s fees, floral tributes, death notices and grave digging fees (this list is not exhaustive). The costs of these items are out of the funeral directors control.

Below are some examples of disbursement costs locally (as of December 2019)

Cremation From
Test Valley Crematorium £945.00
Test Valley Crematorium (Restricted Times) £570.00
Southampton Crematorium £860.00
Southampton Crematorium(Restricted times) £615.00
Wessex Vale Crematorium £945.00
Wessex Vale Crematorium (Restricted times) £570.00
Salisbury Crematorium £900.00
Burial From
Woodley Cemetery, Romsey
– Includes Purchase of Exclusive Right of Burial and interment.
– Fees vary depending on depth of grave and residence of deceased.
Church of England Churchyards £318.00
Local Parish Cemeteries (fees are usually double for former parish residents) £420.00
Gravedigger costs £450.00
Other Disbursements From
Clergy fees £199.00
Non-religious/funeral celebrant £210.00
Organist fee £70.00
Doctors fee for completion of cremation certificates £164.00
Removal of a headstone £150.00
Burial of cremated remains From
Woodley and Botley Road Cemetery £264.00
Church of England Churchyard £165.00

We can offer the simple funeral service as a low-cost option. With defined service restrictions, we are able to keep our costs down while still providing a dignified funeral carried out to the highest standards.

Our fee for this service in £2260.00 and includes.

Our professional services, arrangements for the funeral, provision of a plastic lined composite board coffin for burial or cremation. Transfer of the deceased (in normal working hours and within a 10-mile radius) and the provision of a hearse for conveyance direct to the local cemetery, churchyard or crematorium. Certain times and days may be excluded.

The simple funeral does not include:

  • Viewing of the deceased
  • Collection of donations in lieu of flowers
  • Limousines for the mourners
  • The funeral service taking place at any other venue before the burial or cremation
  • The hearse leaving from the family home or via a prescribed route

In addition, you will need to add the cost of disbursements for the service (see disbursements) which must be paid in advance of the funeral.

You will also need to add the cost of the appropriate disbursements, for example, cremation or burial fees.

Full payment of this service, including disbursements, is requested in advance of the funeral.

Where no service is requested and no mourners or family attend the cremation. This is known as a Direct Cremation.

Our fee for this service is £1395 and includes:

  • Transfer of the deceased in hours from a local address or hospital (within a 10-mile radius)
  • A coffin
  • A hearse (or other suitable vehicle) and trained staff
  • Doctors’ fees for cremation certification
  • Crematorium ‘direct cremation’ fee

The dates and times of these services are subject to the crematoriums’ discretion.

The direct cremation does not include:

  • Viewing of the deceased
  • Collection of donations in lieu of flowers
  • The funeral service taking place at any other venue before the cremation
  • The hearse leaving from the family home or via a prescribed route

We can also offer Direct Burials, however these will incur additional costs. Please contact us for further information.

Full payment of this service is requested in advance of the funeral.

Finance your Funeral

A.H. Cheater Payment Plans in Association with Braemar Finance

We understand that the cost of a funeral can be a large financial burden and it may suit your needs to spread the cost out into easier monthly payment. Braemar finance can provide an unsecured loan to cover these costs over 12, 38, 42 and 60 months if you need assistance

Application is easy. A simple online application is completed either in our premises or in the comfort of your own home. A decision is usually received in seconds. Once your application has been approved and the documents signed, funds will be paid directly to A.H. Cheater Ltd to cover the costs of the funeral.

Monthly payments are made by direct debit with the first payment taken 30 days after the start of the agreement.

Before you consider an application make sure you can answer the following three questions.

  1. Do you have a good credit history and have a permanent UK address?
  2. Do you have a UK bank account to make repayments by direct debit?
  3. Are you aged 18 years or over?


Representative example

Funeral Costs


36 Months


Monthly Payments

36 Months


12.9% APR

Interest Rate




Cost of Credit


Total Payable

A H Cheater Limited acts as a credit intermediary and offers credit products provided only by Braemar Finance.  Braemar Finance is a trading style of Close Brothers Limited. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. For more information please visit

 Finance is only available to UK residents over 18, subject to status, terms and conditions apply.

The person who arranges the funeral and signs the estimate is legally responsible for paying for the funeral. If you are worried about how you will pay for the funeral please talk to us as we may be able to suggest ways to reduce any possible financial burden.


Traditionally, payment is made from the deceased’s estate. If there are sufficient funds available an Executor of the Will or personal representative of the deceased, can pass the invoice to the deceased’s bank who will settle the account directly with the Funeral Director.  Otherwise payment can be accepted by cheque, cash, BACS (bank transfer) or Credit/Debit Card.

Financial Assistance

There are many sources of financial assistance which may be available to help with payment for the funeral.  Naturally these are dependent upon individual circumstances.

Life Insurance or Funeral Plan

The deceased may have made some provision in advance for their funeral, by buying either a life insurance policy or a Funeral Plan.  If they have done this, you should find the documents confirming this with their personal papers.

Help from the Government – Bereavement Payment

If your husband, wife or civil partner dies, you could be entitled to a one-off, tax free Bereavement Payment of up to £2,000.  To qualify you need to be under State Pension age and the deceased must have paid enough National Insurance contributions.  For more information see:

Pension Scheme

If the person who has died was paying into or receiving a personal pension or a pension from their employer, this may include provision for a payment or provide an allowance upon their death.  You should contact the pension provider to find out whether this is in place.

Trade Unions/Armed Services/Veterans

If the deceased was a member of the armed forces, a veteran or member of a trade union, they may be able to assist towards funeral expenses.

Help from the Government – DWP Funeral Payment

If you are in receipt of certain benefits, you may be able to claim a DWP Funeral Payment to help towards a funeral (Claim Form SF200) although any payment is unlikely to cover the whole funeral bill.  The government will assess if it is reasonable for you to be expected to pay for the funeral and whether there are any other relatives who are able to contribute to the expenses.  Calculations are based upon the applicant’s ability to pay, not the financial situation of the person who has died.  A claim must be made within 3 months.

The qualifying benefits are:

  • Income Support.
  • Income-based Jobseeker’s Allowance.
  • Income-related Employment and Support Allowance.
  • Pension Credit.
  • Housing Benefit.
  • The disability or severe disability element of Working Tax Credit.
  • One of the extra elements of Child Tax Credit.
  • Universal Credit.

You can find more information about DWP Funeral Payments at

If you need any assistance with completing claim forms, the Citizens Advice Bureau may be able to help, or you can ask for an appointment at your local JobCentre Plus.