Funeral Plan Sellers

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10 Sep 2019 12:54 by angeleyes1 Star rating in Camposol & Bradford. 336 posts Send private message

angeleyes1´s avatar

Just been to Carrefour and got stopped by the usual ‘’A company’’ funeral plan woman. She said if you die in Spain and cannot afford or pay for your own funeral costs (you have zero assets) the authorities can force any relative you have in Spain or UK to pay out of their own pocket whether they like it or not. The deceased relatives have a legal liability to pay and can be pursued through either the Spanish courts or UK courts for the funeral costs and have assets seized to pay the debt.

Has she told me a pack of lies or has she told me the truth?



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10 Sep 2019 13:41 by Jarvi Star rating in Halifax UK. 684 posts Send private message

Don't know whether its the truth or not, but I bet she didn't say what would happen if you paid your money for years and the company went bust before you died, you or your relatives wouldn't be able to claim anything.





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10 Sep 2019 14:22 by acer Star rating. 1282 posts Send private message

I wanted to know, so googled - https://www.healthplanspain.com/blog/expat-tips/316-death-procedures-for-british-nationals-in-spain.html and yes it seems this woman is correct. 

But having said that I reckon that buying from anyone on the street is a complete "no no" - with the possible exception of the occasional ice-cream.

Of course these "funeral expenses" type policies are invariably very poor value and lack the security offered by a simple whole life assurance policy available in the UK.





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10 Sep 2019 14:32 by Fhanrah Star rating. 32 posts Send private message

Contact a Medical University and donate your body to science, helps educates new doctors, and no cost to you or your family. Do you really need a grave and head stone or to be cooked to be placed in a jar.





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10 Sep 2019 16:38 by angeleyes1 Star rating in Camposol & Bradford. 336 posts Send private message

angeleyes1´s avatar

Acer I think you could be wrong, but I admit I am not sure. I have checked your link and it is almost a copy of the British Consulate Alicante website version, which also says

‘’If there is no insurance coverthe cost of repatriation or burial will need to be met by the family.’’.

Does this actually mean the authorities would like a relative to pay or does it mean a relative is legally liable and will be perused through the UK or Spanish Courts for repayment of the funeral costs?

Of course it is obvious how the funeral plan sellers are interpreting the statement in order to get you to buy a funeral plan.



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10 Sep 2019 18:33 by acer Star rating. 1282 posts Send private message

Angeleyes,

My post was responding to your query that asked if:
>>
"...the authorities can force any relative you have in Spain or UK to pay out of their own pocket whether they like it or not. The deceased relatives have a legal liability to pay and can be pursued through either the Spanish courts or UK courts for the funeral costs and have assets seized to pay the debt..was true.

>>
So, as you now say, it does, well at at least in theory, but it has to be discretionary.   In reality they may struggle to impose a Spanish law in the UK if the deceased was without any Spanish assets.





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10 Sep 2019 18:46 by angeleyes1 Star rating in Camposol & Bradford. 336 posts Send private message

angeleyes1´s avatar

But acer is it a Spanish law? Or just a made up myth to get anyone to pay funeral costs out of ignorance?



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10 Sep 2019 19:17 by johnzx Star rating in Spain. 5106 posts Send private message

 I am`pretty certain even in Spain if there are no funds to pay for a funeral the town hall will provide one, albeit  very basic

In a case where the dead person had assets,  I can understand the town hall might take steps to recover the cost from the `estate` however,   I cannot believe a relative would be responsible for the costs unless they signed to do so or maybe gave the instructions.

 
Just for info
This is a quote I had from a funeral director
 
24 Hour assistance
• Conveyance to the mortuary • Three days mortuary

• Care of the deceased
• Wood coffin for the cremation 
• Urn for the ashes 
• Robe & fittings as required 
• Use of chapel • Passport cancellation
• Notifying the consulate
• Death certificates Spa4nish & international
• Doctor´s death certificate
• Cremation fees

Total cost 3,100 €


This is not a prepayment plan. No fear of a company going broke or making off with our money.

When the time comes my family need just to call  the director and tell them to go ahead. The funds are in my bank.

Unlike paying up front:   Should I die outside Spain,  or if my family  should want something else,  there is no commitment to a company.

I may be cynical but funerals are a good business as whilst may people would never  buy a product that cost several thousands of euros, without shopping around, with funerals there is a feeling that to do so would in  some way be offensive to the deceased. 

My brother died some years ago in UK. He had no assets so I took on the responsibility to pay for the funeral. I shopped around and the third quote I got was just about 50% of that of the first. That was for the same funeral.


This message was last edited by johnzx on 10/09/2019.

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10 Sep 2019 20:22 by angeleyes1 Star rating in Camposol & Bradford. 336 posts Send private message

angeleyes1´s avatar

Thank you John, I tend to agree and what AV funeral plan people are saying is blatant lies to put the bite on prospects. I suppose in Spain there is little if any action to stop this type of lies.

I did ask the question to the British Consulate in Alicante, but their response was they do not give free legal advice and I should pay a Spanish lawyer on their subscription list to find out.

50% discount, maybe funeral directors sell double glazing when business is quite.



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11 Sep 2019 10:09 by marcbernard Star rating in Marina Alta; Alicant.... 245 posts Send private message

In reply to the post re donation of bodies to a medical University "at no cost" I point out that in the Denia region anyway there is now a cost for the transmission of the body to Valencia hospital amounting to €1000. Still a worthy scheme, however.





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11 Sep 2019 10:57 by johnzx Star rating in Spain. 5106 posts Send private message

Hi Marc B 

I have read not all cadivers are accepted.  

Thus if one intends to try that solution, they need a plan B 


This message was last edited by johnzx on 11/09/2019.

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11 Sep 2019 15:52 by Berlynne Star rating. 5 posts Send private message

There are now companies that do a " no frills" cremation.

The cost is about 1600 euro.

There is no service or tanatorio.

It may be a solutuon worth considering for expats, it takes away the urgency to get to spain quickly for the family in the uk.

A service or some type of celebration can take place with the ashes,either in Spain or UK

 





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11 Sep 2019 15:58 by johnzx Star rating in Spain. 5106 posts Send private message

Hi Berlynne

Could you please post some links for the services (in spain)  you mentioned 

Thank you

.   John 


This message was last edited by johnzx on 11/09/2019.

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11 Sep 2019 23:50 by Berlynne Star rating. 5 posts Send private message

Hi John, 

Try this one......sorry I can't post the link, the site won't let me, but the company is called Cofune......you will have to put your Google head on.

It has a calculator where you can see the cost of different options.

The basic no frills plan is 1600 euros.

I am sure there will be others who provide this type of funeral.

 


This message was last edited by Berlynne on 11/09/2019.



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