Pre-paid funeral plans
Promotional Offers
This offer is an additional benefit of you purchasing a Golden Charter funeral plan, available only if you satisfy the following criteria and subject to these terms:
This offer is made available to you by Sturrock, Comb & Davidson Family Funeral Directors, who act as an appointed representative of Golden Charter Ltd. (Registration number 2511598. Registered Office: One Fleet Place, London, EC4M 7WS). Golden Charter is the promoter of this offer and is authorised and regulated by the Financial Conduct Authority (FRN:965279)
> To be eligible for the offer you must be at least 18 years of age and resident in the United Kingdom
> The offer applies to the confirmed purchase of a funeral plan through this funeral director during the set dates of the promotional period
> Not all offers are applicable online. Please contact funeral director for further information.
> Your £100 discount will apply at time of purchase
> This offer cannot be used in conjunction with any offer or incentive offered by Golden Charter or its other authorised representative(s)
> Your discount cannot be exchanged for a cash alternative
> This offer does not affect your statutory rights nor your rights and obligations under your Golden Charter funeral plan, which are contained in the relevant plan Terms & Conditions
> Golden Charter’s decision on the operation of this offer is final. If you have any complaints or enquiries you can contact Golden Charter by any of the following method:
– Email: contact@goldencharter.co.uk
– Write to: Customer Service Team, Golden Charter, Canniesburn Gate, 10 Canniesburn Drive, Bearsden, Glasgow, G61 1BF
– Telephone: 0800 833 800
– Our lines are open from 9am to 5pm Monday to Friday
This offer is an additional benefit of you purchasing a Golden Charter funeral plan, available only if you satisfy the following criteria and subject to these terms:
This offer is made available to you by Sturrock, Comb & Davidson Family Funeral Directors, who act as an appointed representative of Golden Charter Ltd. (Registration number 2511598. Registered Office: One Fleet Place, London, EC4M 7WS). Golden Charter is the promoter of this offer and is authorised and regulated by the Financial Conduct Authority (FRN:965279)
> To be eligible for the offer you must be at least 18 years of age and resident in the United Kingdom
> Please note that this offer is not eligible for online purchases.
> The offer applies to the confirmed purchase of a funeral plan through this funeral director during the set dates of the promotional period
> You will receive your £100 Marks and Spencer gift card when:
> The period during which your funeral plan may be cancelled for a full refund (i.e. without deduction of any arrangement or other fee) has expired without cancellation and the plan remains active and all necessary payments made at the date of your claim
> Please note that for those customers paying up their plan via our Instalment Payment Option (IPO), this cancellation period is twelve months and therefore your gift card will be fulfilled after this period.
> Your £100 Marks and Spencer gift card will be sent to you no earlier than 5 February 2024 and no later than 5 February 2025 subject to any cancellation period referred to above having expired and the start date of the funeral plan purchased. If you have any questions relating to the fulfilment of your gift card, please contact your funeral director.
> This offer cannot be used in conjunction with any offer or incentive offered by Golden Charter or its other authorised representative(s)
> Your vouchers cannot be claimed retrospectively nor used as a discount and cannot be exchanged for a cash alternative
> This offer does not affect your statutory rights nor your rights and obligations under your Golden Charter funeral plan, which are contained in the relevant plan Terms & Conditions.
> Golden Charter’s decision on the operation of this offer is final. If you have any complaints or enquiries you can contact Golden Charter by any of the following method:
– Email: contact@goldencharter.co.uk
– Write to: Customer Service Team, Golden Charter, Canniesburn Gate, 10 Canniesburn Drive, Bearsden, Glasgow, G61 1BF
– Telephone: 0800 833 800
– Lines are open from 9am to 5pm Monday to Friday
If you have further questions please get in touch today.
Many ordinary folk, just like you, perhaps, who have given some thought to the future and through losing loved ones, have known the pain of bereavement - and the distress of selecting the funeral arrangements, as well as the financial anxiety. Sometimes they worry about how their sons, daughters or even grandchildren will cope at the time of their own funeral. That's why so many people trust us to pre-arrange their funeral, giving you and your loved ones peace of mind.
Sturrock Comb & Davidson Ltd is an appointed representative of Golden Charter Limited trading as Golden Charter Funeral Plans which is authorised and regulated by the Financial Conduct Authority (FRN:965279).
The price of funerals, like everything else, keeps going up. But no matter how much the cost of our services may rise in the future, once your plan is fully paid, you can rest assured that your loved ones will not be asked for a penny more for our services.
There are some costs that are paid on your behalf by the funeral director. They are known as disbursements, for example the fees of cemeteries, crematoria, and clergy. These costs are not within our control and are not guaranteed.
Each plan includes a sum towards these costs and only if these costs increase faster than the growth in the Trust might there be a balance to pay.
Most plan holders pay in full for their plan in a single payment.
The benefits of this include that your plan is in place as soon as the relevant paperwork is complete and accepted by the plan provider.
It is possible to pay for your plan (at no extra cost) over a period of 12 months by Direct Debit. If you choose this option, your plan will not be in place until the final payment is made. Should you die before making the final payment, your family or estate would be asked to pay the remaining balance.
You can be sure your money will always be secure. Your payment goes directly to The Funeral Planning Company Trust, which holds the money for your funeral on behalf of participating funeral directors.
That is why the funeral director is able to provide a legally binding contract, which guarantees that your funeral arrangements will be carried out exactly as you wish when required. The Trust Fund is a separate legal entity from Sturrock Comb & Davidson. In the unlikely event of something untoward affecting the company, the Fund would still continue indefinitely, until every plan had been carried out and payment made to the funeral director.
Consideration for others is the most common reason for buying a Sturrock Comb & Davidson Plan. Peace of mind is the most common benefit. With Sturrock Comb & Davidson you know that your loved ones will be spared much of the burden of bereavement. You'll have specified every detail of the funeral in advance, selected the funeral director and taken care of the costs for your funeral as arranged.
The most common questions about Pre- Paid Funeral Plans, and the answers:
WHAT IF I MOVE TO A DIFFERENT AREA?
You may select a different funeral director or amend the existing arrangements.
WHAT IF I'M NOT IN GOOD HEALTH?
We promise to accept your application, regardless of your age or state of health.
WHAT IF I CHANGE MY MIND ABOUT THE ARRANGEMENTS?
No problem. Your wishes are what count most. Simply speak to Sturrock Comb & Davidson.
WHAT IF SOMETHING HAPPENS TO Sturrock Comb & Davidson?, WHAT HAPPENS TO MY MONEY?
The Funeral Planning Company Trust provides financial security. As a separate legal entity, it would still continue even if something were to happen to the company, and it would pay for your funeral as and when required.
WHAT IF I CAN'T PAY NOW FOR ALL OF MY PLAN?
You may pay over twelve months at no extra charge, or even up to 60 months on other flexible payment terms. If you prefer, you may pay for a simple funeral to begin with, and change it later to a more elaborate one. The choice is yours.
WHAT IF I DIE BEFORE MY INSTALMENT PAYMENTS ARE COMPLETED?
Most importantly, your funeral will be carried out. The funeral director would receive all of the money you had paid into the plan and any remaining balance would be paid by your family or from your estate.
WHAT IF DEATH OCCURS AWAY FROM HOME, PERHAPS WHEN VISITING FRIENDS OR RELATIVES OR ON HOLIDAY IN THE UK?
The Funeral Planning Company Trust will pay the removal charges if death occurs away from home but still within the UK. If you intend to travel overseas, we recommend that your travel or medical insurance policy includes full cover for repatriation costs.
WHAT IF I WANT TO TAKE OUT A PLAN FOR SOMEONE ELSE?
Complete the appropriate box on the application form, and we'll arrange for all correspondence to be sent to you. Complete confidentiality is assured.
WHAT IF I LIVE TO BE 100?
No matter how old you are, no matter how much funeral costs may rise, you and your loved ones will never be asked for a penny more for the costs within your funeral director's control.