What Is a Direct Cremation, and Why Is It Cheaper?

Unlike a standard funeral, a direct cremation takes place without a formal service, viewing, or wake.

02:57 09 April 2025

One funeral option that has grown in popularity is direct cremation. Unlike a standard funeral, a direct cremation takes place without a formal service, viewing, or wake. But why is it so much cheaper, and is it the right choice for you?

What Is Direct Cremation?

A direct cremation is a straightforward, no-fuss option where the deceased is cremated without a funeral service. There is no embalming, no gathering of mourners at the crematorium, and no elaborate ceremony. Instead, the body is taken to the crematorium, cremated privately, and the ashes are returned to the family.

This allows families to arrange a separate memorial or celebration of life at a time and place that suits them, often at a much lower cost than a traditional funeral.

Why Is Direct Cremation More Affordable?

A key reason people choose direct cremation is the cost. Funerals can be expensive, but direct cremation removes many of the costly elements:

1. No Funeral Service Costs

Traditional funerals require booking a venue, hiring a minister or celebrant, and paying for catering. With direct cremation, there is no official service, meaning these costs are eliminated. Families can still hold a memorial later, but they won’t have to pay for an expensive funeral director-led event.

2. Lower Professional Fees

Funeral directors charge for organising and coordinating services such as embalming, body preparation, and transport. A direct cremation involves minimal handling of the deceased, reducing these fees.

3. Simple Coffin and Transport

A high-end coffin and elaborate hearse are not required for direct cremation. Instead, a simple, practical coffin is used, and the body is transported directly to the crematorium without an expensive funeral procession.

4. No Embalming or Body Preparation

Embalming and body preparation can be costly, particularly if the family wants an open-casket viewing. Since direct cremation doesn’t include a viewing, these procedures aren’t necessary, further reducing expenses.

5. Crematorium Choice

With a direct cremation, funeral providers often choose the most cost-effective crematorium available, rather than using one based on family location or preference. This helps lower the overall cost.

Comparing Direct Cremation with Traditional Funerals

The difference between direct cremation and a traditional funeral comes down to simplicity, cost, and flexibility. A direct cremation involves only the essential services—collection of the deceased, cremation, and return of the ashes. There’s no funeral service, no viewing, no embalming, and no procession. This stripped-back approach is what makes it so much more affordable.

In contrast, a traditional funeral includes several elements that increase both the cost and the complexity. Typically, this type of funeral involves embalming and preparing the body, a formal viewing, a ceremony held at a church or crematorium, and a procession with a hearse and sometimes limousines. Families often also pay for floral arrangements, printed orders of service, venue hire, and catering. All these extras can quickly push the total cost into the thousands.

How Does Direct Cremation Fit into Prepaid Funeral Plans?

If you’re considering planning ahead, many prepaid funeral plans now include direct cremation as an option. This allows you to lock in today’s prices and avoid the rising costs of funerals. Since direct cremation is more affordable, it can be a great way to plan for the future without putting financial strain on your loved ones.

When choosing a prepaid funeral plan, be sure to check:

• Whether the plan covers all cremation costs, including doctor’s fees.
• If transportation and collection of the deceased are included.
• What happens if you move to a different location.

Many funeral providers now offer prepaid funeral plans specifically designed for direct cremation, making it easier to budget for end-of-life arrangements.

Can You Pay for a Direct Cremation in Installments?

For those who don’t want to pay upfront, there are funeral finance options available for direct cremation. These include:

• Prepaid Funeral Plans – Spread the cost over monthly instalments while locking in today’s rates.
• Funeral Loans – Borrow money to cover funeral costs and repay over time.
• Government Assistance – Some families may be eligible for a Funeral Expenses Payment from the UK government.

Choosing the right funeral finance option depends on your budget and financial situation. A prepaid funeral plan is often the most cost-effective way to ensure your funeral is covered without burdening your family.

Final Thoughts

Direct cremation is a practical, affordable option if you want a simple, no-fuss farewell. By eliminating unnecessary expenses, it makes saying goodbye more budget-friendly while still allowing families to celebrate their loved one’s life in their own way.

For those planning ahead, prepaid funeral plans with direct cremation can provide financial security and peace of mind. And for those who need immediate assistance, funeral finance options can help make cremation costs more manageable.

If you’re considering direct cremation, take the time to compare providers and explore available prepaid funeral plans. Planning now can help ease the burden on your loved ones and ensure your wishes are carried out affordably.