When somebody dies, it can be difficult enough without the added worry of how to pay for their funeral. For many families, the cost can come as a shock. According to SunLife’s Cost of Dying Report 2025, the average funeral in the UK now costs around £4,285, while a direct cremation, one of the more affordable options, is around £1,600.
In this article, we take a closer look at how you can cover the cost of a funeral if the deceased does not have the funds to pay for their funeral.
Who is responsible for paying for a funeral?
In most cases, the person responsible for arranging the funeral is also responsible for organising payment. This is usually the executor named in the Will or the closest relative if there isn’t one. Funeral costs are typically paid from the deceased’s estate, which includes any money, savings or assets they leave.
It’s common for bank accounts to be frozen after death, but if you provide a copy of the invoice, many banks will release funds directly to a funeral provider.
What happens if there’s no money available?
If there isn’t enough money in the estate, families will need to explore other options. These might include:
- Family members or friends contributing towards the cost
- Taking out a payment plan to spread the cost over time
- Government support
- Assistance from the local council
While this situation can feel overwhelming, it’s more common than many people realise, and there are routes available to make sure the person is laid to rest with dignity.
Government help with funeral costs in the UK
If you’re on a low income or receiving certain benefits, you may be able to get help through a Funeral Expenses Payment. This support is based on the financial situation of the person arranging the funeral, not on that of the deceased.
It’s available in England and Wales and can contribute towards essential costs such as burial or cremation fees, travel and documents, with up to £1,000 for other expenses, although it rarely covers the full cost.
Eligibility depends on your relationship to the deceased and the benefits you receive. In Scotland, a similar scheme called the Funeral Support Payment is available.
What is a public health funeral?
If there are no funds available and no one is able to take responsibility, the local authority has a legal duty to arrange a funeral. This is known as a public health funeral. These funerals are simple and focus on meeting basic requirements.
They usually include a coffin, transport of the deceased and either a burial or cremation. The exact arrangements can vary by council, and there may be limited options for personalisation, but the aim is always to provide a respectful and dignified service.
Looking for help to plan a funeral?
If you’re responsible for arranging a funeral and are unsure about the next steps, you’re not alone. At Fiesta Farewell, we have plenty of helpful resources to help. Explore our articles for clear, practical guidance or browse our directory to find trusted funeral services and support near you.