Frequently Asked Questions

Here are some of our Frequently Asked Questions. If you have a question that is not covered here, PLEASE GET IN TOUCH and we will be more than happy to help.


The Rules of Intestacy mean that, in a way, everyone has a Will even if they haven’t physically made one. If you don’t make a Will, your assets will be distributed according to the Rules of Intestacy. Relying on this law rather than creating a Will has disadvantages. The law decides who benefits from your estate, not you, and it doesn’t always reflect modern personal and family situations.

Anyone over the age of 18 can make a Will. In special circumstances, such as being drafted in the Armed Forces, those aged below 18 can make Wills with other providers.

Yes. Anyone who owns property in their name such as a bank account, car, house, furniture or sentimental property etc. should have a Will, otherwise the Rules of Intestacy will apply to that estate.

You should review your Will at least every three to five years or sooner if your personal circumstances change. For example, if there are additions to your family, or deaths in your family, or financial changes that affect your Inheritance Tax liability.

If you marry or enter into a civil partnership after making a Will, the Will is automatically revoked unless the Will expressly states that it is made in contemplation of the marriage or civil partnership. If you get divorced after making a Will, the Will remains valid but any gifts to, or appointment of, your former spouse will fail.

There is no legal requirement determining where a Will should be stored but you should inform your executors where it is. We provide a secure Will storage service at minimal cost. It is not advisable to keep a Will in a safety deposit box because after your death your executors may not be able to open that box without obtaining a Court Order.

A Mirror Will is prepared when a couple want to make almost identical Wills, for example leaving everything to each other respectively and thereafter to their children or, where there are no children, to a named beneficiary. They must be individual Wills. In effect, they are separate legal documents with similar content.

When someone dies without a Will, they are said to have died intestate. In cases like this, the Rules of Intestacy apply to determine the administration and beneficiaries of the estate.

Executors are appointed by a testator in a Will. They are responsible for dealing with the testator’s estate in accordance with his or her instructions. They will collect in assets, pay all debts including any Inheritance Tax, deal with any specific legacies and then distribute the remainder of the estate in accordance with the testator’s wishes.

Funeral Plans

Over the last 2 decades, funeral costs have risen more than the annual rate of inflation. A funeral plan is a means by which people can protect their loved ones against rising funeral costs and help eliminate any uncertainty or indecision regarding what a person’s preferred arrangements should include.
We guarantee there won’t ever be anything extra to pay towards the funeral director’s fees and services, when the Plan holder dies there may be additional costs to pay towards disbursements (also called 3rd party fees).
The Pearl, Sapphire, and Ruby options include a £1,200 allowance to cover the following disbursements specifically

  1. Cremation Fee (or interment fee, if burial)
  2. Doctor’s fee
  3. Minister’s/Celebrant’s Fee for service at the crematorium (or graveside, if burial).

When the Plan holder dies, if the allowance (plus RPI interest uplift), is insufficient to cover the cost of those 3 elements of fee, then the family/plan holder’s representatives may be required to pay any shortfall before the funeral can take place.

In the case of the Topaz, whilst the funeral director’s fees and services are guaranteed, this plan option excludes any allowance for disbursements/3rd party fees (these would need to be paid for before the Plan holder’s funeral can take place, and will be charged at whatever the rate prevailing happens to be at the point they are paid).

The Direct Cremation option, which covers simply the actual cremation of the Plan holder’s body, is fully guaranteed meaning there will never be anything extra for loved ones to pay.

Disbursements (otherwise known as 3rd party charges) are cost elements of a funeral that are outside of the funeral plan provider’s/funeral director’s control. Most HB Cover Funeral Plans (except Topaz) include an allowance of £1,200 (Pearl/Sapphire/Ruby) or £800 (‘Your Simplest’) to cover the following disbursements specifically:

  1. Cremation fee (or interment* fee, if burial)
  2. Doctor’s fee
  3. Minister’s/Celebrant’s fee for committal service at crematorium (or graveside, if burial)

*Interment means digging or opening of a grave

Currently, the national average for the above 3 disbursement is around £1000, meaning the £1,200 allowance included in the Pearl, Sapphire and Ruby plans is more than adequate to cover them now. If, at the time of the Plan holder’s death, the disbursements allowance is insufficient to cover the cost of the above 3 elements, then there will be a balance for the family or estate to pay.

Yes. In their basic format, HB Cover Funeral Plans cover cremation only. However, with the exception of the Direct Cremation and ‘Your Simplest’ plan options, ALL can be tailored for burial, although the customer will need to purchase a burial plot themselves directly from whomever owns the cemetery at which they wish to be buried.
Yes. A HB Cover Funeral Plan can be transferred into the name of an alternative person. To do so, the plan purchaser needs to contact HB Cover Funeral Plans directly, who will then make the necessary alteration.
Regardless of wherever in the UK the Planholder is when they die, HB Cover Funeral Plans will arrange for the deceased to be collected and taken to a chapel of rest that is local to wherever the funeral is to take place. However, any transport costs over 20 miles will be charged at whatever the funeral director’s standard charge for mileage happens to be at that time (this additional charge would be payable by the Planholder’s representatives, directly to the funeral director).
As standard, HB Cover Funeral Plans make no provision for repatriation (the process of bringing a deceased person back to the UK). If a Planholder dies while outside of the UK, then their travel insurance should cover the cost of repatriation. Then, once back in the UK, HB Cover Funeral Plans would arrange for the deceased to be collected from the airport and taken to a chapel of rest local to wherever the funeral is to take place.
In the case of Topaz, Pearl, Sapphire, and Ruby plans, customers can nominate any independent firm of funeral directors, anywhere in the UK. However, if, when the Plan Holder passes away, their nominated, preferred, firm is, for any reason, unavailable or unwilling to undertake the service at that time, then it will instead be conducted by an alternative, local, reputable, firm at HB Cover Funeral Plans’ discretion (most likely one that is a member of the National Federation of Funeral Directors).
If the customer is purchasing a Topaz, ‘Your Simplest’, Pearl, Sapphire, or Ruby plan, then the funeral director will always be local to the Planholder’s place of residence at the time of their death.

Have another question?

If you have a different question that is not listed above, please CONTACT OUR TEAM OF ADVISERS today.