Providing care and support when you need it the most Providing care and support when you need it the most

Arranging and Paying for a Funeral in Advance

Thoughtful • Sensible • Convenient • Secure

“Most of us, as we get older, expect to provide the money to meet our funeral expenses. We’re not morbid. It’s to do with independence and responsibility, leaving everything in order for our relatives and friends. The fact is that funerals cost money, and we want to take care of the cost.”

Many people wish to provide for their funeral expenses and a funeral prepayment plan is a caring, sensible and cost-effective way to do so. The advantage of a prepayment plan over a savings account or life insurance policy is that you can pay now, at today’s price, and beat inflation – no matter when the service might be required. The Funeral Director’s fees will be paid by Golden Charter Trust when the funeral has been provided.

Funeral prepayment plans are provided by Golden Charter Funeral Plans in association with a network of independent, family-owned Funeral Directors throughout the UK. Funeral prepayments are held in Golden Charter Trust and monitored by the Funeral Planning Authority.

The Advantages of a Prepayment Plan

    •    You can choose your funeral arrangements, for your own peace of mind

    •    You will save your family from having to make difficult decisions, trying to guess what you would have wanted,
          at such a distressing time

    •    Avoid rising funeral costs with an inflation-proof guarantee of the Funeral Director’s charges

    •    Financial security – the funeral payment is held in Golden Charter Trust until it is needed

    •    The service will be provided by your local Funeral Director

    •    There is no age limit and there are no awkward health questions

    •    You can make a once-only payment or pay by monthly instalments, whichever suits you

    •    All enquiries and arrangements are treated in confidence

    •    Complies with the Funeral Planning Authority Code of Practice and the Financial Services and Markets Act 2000


The Simple Plan – £2260.00 (£3410.00 with a contribution towards disbursements)

The Traditional Plan – £2460.00 (£3610.00 with a contribution towards disbursements)

The Prestigious Plan – £2660.00 (£3810.00 with a contribution towards disbursements)

The Personalised Plan – A funeral is a very personal occasion and many people have particular wishes. We are more than happy to discuss your individual requirements, and prepare a personalised plan just for you.

Questions and Answers

Here are some of the questions you might want to ask, but please call us if there is anything else you would like to know about the plan:

What if I move home?

If you move, Golden Charter can transfer your plan to a Funeral Director in that area. Funeral costs vary from one area to another and you will be advised of any difference in cost at that stage.

Can I buy a plan for someone else?

Yes. Please mention this on your application – we will need the name, address and year of birth of the person to be covered but we will send all correspondence to you.

What if I change my mind later?

If you change your mind within the first month of receiving your plan documents you can return them for a full refund, with no questions asked. If you cancel your plan at a later date, your refund will be subject to an administration charge (please refer to the terms of sale).

Is there an age limit or health restrictions?

No – you can purchase a plan at any age and in any state of health, but please see the note on instalments.

How do I know the money will be safe?

All payments are made directly into Golden Charter Trust, a national fund established for the secure deposit of funeral prepayments. The accounts of Golden Charter Trust are monitored annually by independent actuaries and checked by independent auditors. The payment for the funeral can only be withdrawn from Golden Charter Trust when the service has been provided or if the plan is cancelled.

Do you pay interest?

No. A guaranteed funeral plan is not a savings account; it is simply a way of paying in advance for the funeral service. As the value of the Trust fund increases over the years, so the money available to pay the funeral director will increase to compensate for rising costs

Can I pay by instalments?

Yes, there are a range of options – please ask for details. Payment by instalments usually costs more than a single payment because of the extra administration involved, and if you die before completing all of the instalments the funeral will only be part-paid.

What if the cost of funerals increases?

Funerals, like everything else, are affected by inflation and the cost of a funeral will almost certainly increase before you need one. However once you have purchased a prepayment plan the funeral specified will be provided for you when it is needed without any further charge to you or your family (but please refer to the note on “disbursements”). This is one of the most important benefits and why it has become so popular with our clients in recent years.

What if I die away from home?

We recommend that you take out travel insurance when you go on holiday, especially if you travel abroad, which usually covers bringing you back home if necessary. Alternatively we can quote for the extra cost involved.

Does the plan include disbursements?

Each plan usually includes a contribution towards other expenses, such as crematorium or cemetery fees, doctors’ fees for a cremation certificate and minister’s or church fees – these fees are known as “disbursements”. This is intended to cover most of the usual disbursements, but please note that they are outside of our control and cannot be guaranteed.

The amount included for disbursements will be stated on your funeral plan certificate and will be increased annually in line with the Retail Prices Index.

You can include a larger, or smaller, contribution towards disbursements if you wish – please ask if you need advice on this point.

How do I purchase a plan?

Purchasing a plan is easy – and it only takes a few minutes to deal with:

1. Discuss your wishes with your Funeral Director, who will calculate the plan price.

2. Choose whether to make a single payment or, if you prefer to pay by instalments, decide over what period
    (up to five years).

3. Do you have any questions? If so please contact your Funeral Director.

4. Give your application form to your Funeral Director, or send it to Golden Charter, together with a cheque for either the full amount or the first instalment (you will receive a banker’s order form to cover the remaining payments). Please make your cheque payable to Golden Charter Trust so that your payment goes directly into the trust fund. Please do not send cash in the post.

“I am so glad it has all been settled. It really is a weight off my mind.”

Your Funeral Plan Guarantee

Within 28 days Golden Charter will send you a Funeral Plan Guarantee Certificate, confirming your plan details. For instalment plan customers, your payment schedule will be confirmed and the guarantee certificate will be issued when it is completed.

The plan comes complete with practical information for your relatives or executor on what they should do at the time of the funeral, your personal wishes for the funeral and where your important documents are kept. Everything is designed to make things as easy as possible for your family and friends.

Funeral Plans – a Code of Practice

This prepayment plan is covered by the Code of Practice of the Funeral Planning Authority, which sets out to ensure:

    •    Fair terms and conditions for the customer

    •    Security of funds – with strict controls over the custodianship of funds and regular monitoring by independent

    •    A procedure for the independent arbitration of complaints

A full copy of the code of practice is available on request. This plan complies with the requirements of the Financial Services and Markets Act 2000.

“Purchasing a plan gives me peace of mind…”

Contact us for more information’

Funeral directors Doncaster

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W.E Pinder & Son an independent family run Funeral DirectorsW.E Pinder & Son an independent family run Funeral Directors

"When my husband died just a few days before Christmas, I could not have found a better undertaker than John Pinder. He was very professional, sensitive to my needs and that of my family, and provided exactly what we wanted - a dignified, respectful and somehow joyful send-off for my husband. I have already booked my own funeral with W.E. Pinder & Son"

Mrs Mary E Trevena

We cannot thank John Pinder enough for all his invaluable help during the very sad time of losing our sister Lesley, he is professional at all times and nothing is a bother, it is lovely how a man in his profession has such an approachable warm manner. Lesley was very specific in her funeral plans and John was paramount in making them happen, for this we will be forever thankful.

Janice & Steve

I had no previous experience or knowledge of what I had to do in my situation. I am so pleased that I chose Pinders Funeral Directors as they took all the problems that arose,  worked through the options I had, and sat down with me to help me feel comfortable with my decision. Within a day I felt as though they were part of my family and this made me feel very assured that my wishes would be upheld. My husband was given the highest respect and was lovingly cared for. Jaquie was our dedicated member of the team and I felt very comfortable with her dealings with us. John Pinder was always on site, and made himself visible, even coming to my assistance when my vehicle broke down, this made me feel confident in the fact that they really are a family run business. If you are looking for a caring, professional funeral director who will give your loved one the dignity and respect they deserve, yet never forgetting the loved ones left behind then I can highly recommend W.E. Pinder & Son

Sylvia Mulligan

Fantastic company! After the support given to my family especially my mum who practically moved into pinders while my dad was there almost 2 years ago. ..i have nothing but gratitude for you all. You made a very difficult time bearable and for that we are forever in your debt. So much to say but not enough space. Thank you John and everyone xxxx

Sarah B A Bracha

Perfect funerals carried out for my late wife and previously our late son. They really are kind, wonderful and caring people. Very professional in every aspect. Cannot praise them enough.

John Frankland

From the first time we met John to arrange pre-paid funerals for my my parents he was very professional and caring. Unfortunately we had to call on John's services sooner than we expected when my father passed away suddenly. From the first phone call to John after the death to the after care we received, he was excellent in making what was a very sad and difficult time easier for the family especially mum. Thank you John.

Kathryn Brown

John Pinder and his team were compassionate, responsive and had a great attention to detail. This made organising Mum's funeral very easy, which was much appreciated.

Paul Winstanley

W E Pinder were compassionate, professional, respectful and helpful. John Pinder guided us through a very distressing period with tact and kindness. We will be forever grateful.

Simon Michell

Many thanks to John Pinder and all his staff. I would highly recommend their services. My mother Joan Flaherty was looked after with such care , respect and impeccable kindness. The whole day was excellent, thank you John and all your team. Every little detail was organised for us.

Kathleen Machin

My family have relied on Pinders before. They provide an outstanding service at the time when every decision is difficult. I highly recommend them.

Yvonne Huntridge

Excellent service from the beginning. Caring and supportive and looked after my dad very well

Claire Moorhouse

John and his staff are the most caring, considerate people you could care to meet. The service they provide is personal and your needs are the most important factor to them at a very distressing time. I have no hesitation in recommending W E Pinder, a five star service.

Christopher Tuffrey

I can highly recommend john pinder and sons . John himself gives great attention to the smallest detail Thereby relieving the stress of organising the funeral . And indeed John is always approachable with any queerie and will meet all your requirements . A True independant compassionate funeral director who believes in family values . Thank you John for all your hard work .

Steven Cusworth

The whole day went without a hitch all of Pinders staff were very professional at all times and very courteous which made the whole day run very smooth It was a very distressing day for all of my family as you can imagine but in reflection it was clear we had made the right choice Thank you John and your team

John Barrett

An excellent professional service. No detail left out and full care given to all the family. Would recommend to anyone.

Paul Readhead

Brilliant from start to finish. Couldn't recommend John & his team more highly. Although I don't want to see them again for a while !!!!!!

David Boyne

John Pinder has provided me and my family with excellent service. He pre-empts your needs, takes care of everything and inspires confidence in the whole process. The funeral had the perfect balance of solemnity, gravitas and good humour. John and his company is simply a class act. Thank you for everything. Neil McCallion

Neil McCallion

John was able to set the right tone for the whole process, was thoughtful in his communication, helpful and caring to both my Dad who'd died and to those of us left behind. The dignity he afforded Dad when he walked the hearse from the house a significant distance to the main road was not something that was discussed but was a real comfort. The normal world should slow down or stop and be respectful of this significant moment and the dignified procession was beautifully carried out. The flag for the coffin was a lovely touch. Thank you

Cath Basilio

The family found Mr John Pinder to be a caring and compassionate man who acted with professionalism at all times. He took care of all our needs and looked out for me at my most vulnerable. I will never forget his kindness and thank him for all his help and support during this difficult time.

Joan Bailey

There are no words to describe how beautiful mums funeral was, we are so happy with the service we were given. John went above and beyond to accommodate everything for us and took alot of stress and pressure from myself and my father. Nothing was too much trouble. John is a lovely, warm hearted man too. Very kind, caring and genuine.

Charlene Jackson

Would definitely recommend W E Pinder, faultless. Helped make a difficult time a little bit easier by ensuring we had all the information needed to make the right decisions. I especially liked the family feel the business had to it, made you feel that they had a bit more care and compassion for your loved one in the most difficult time.

Zoe Owen

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