How much does a funeral cost?

Funerals are a time when we say goodbye to our loved ones and reminisce on happy memories. But funerals can also be expensive, causing financial stress for those left behind.

The cost of a traditional funeral usually includes the funeral director’s fee, as well as the price of a casket, burial plot, flowers and transport. These items can add up to a significant amount, and this amount will continue to rise with inflation. For example, Gathered Here estimates that the average cost of a burial in Australia is $19,000.1

What’s involved?

Some general funeral costs might include:

Item Description2 Cost2
Service fee from $2000
Flowers from $100
Transport of mourners from $330 per car
Minister and organist fees from $500
Removal of body $300
Preservation of body $210
Coffin/casket from $800 to $10,000+
Cemetery/grave fees (includes opening and may include plaque) single or double from $3500+
Cremation (including certificates & cremation fees) from $3,108
Disposal of ashes via wall, niche, urn, rose garden from $1200

Which type of funeral costs less?

The cost of a funeral service varies widely depending on what you choose. If you’re planning your own funeral, you’ll probably have a budget in mind, and it pays to shop around.

How much does cremation cost?

Generally, cremation is cheaper than burial, and is estimated to cost between $3,108 to $7,187 in Australia.3

As well as costs, you should think about whether a cremation is the right service for your family. While there is no gravesite that your family can visit, they can scatter your ashes in a place that means something special to you, such as a favourite beach.

You can also choose to have your ashes kept somewhere such as a memorial wall or garden in a cemetery for example. While this gives your loved ones a place to visit, it is also more expensive.

How much does burial cost?

Burials are often more expensive. Much of the expense of a burial is associated with the burial plot. Depending on the cemetery, a single grave can cost from $4,000 upwards.1

However, you may prefer to choose a burial service for religious and family traditions. The benefits of this include having a designated site your family can visit to be with you and remember you. Your loved ones can also bring flowers and take care of the burial site, which can be very comforting.

Ways to save on funeral costs

If you would prefer to have a more basic service, there are a number of ways you can reduce the costs of your funeral, including:

  • Opting for cremation rather than burial.1
  • Shopping around. Compare online and visit various funeral directors to obtain their price lists.
  • Choosing a basic wooden coffin if being cremated as it will be cremated along with your remains.
  • Considering a home funeral – choose to have the memorial service at the home of a friend or loved one (commonly known as a wake).
  • Saving on funeral cars and limousines. Rather than having funeral cars to transport the mourners, arrange for family members to drive their own cars.
  • Saving on newspaper notices. Skip newspaper notices and instead share the details of the funeral online for free through social media.

Choose Funeral Cover from $3,000 up to $15,000*

Who can afford to pay for funeral expenses at short notice?

Although it’s not something anyone likes to think about, it makes sense to prepare for your funeral now.

Remember, your funeral will be a very difficult and emotional time for your family, but you can help make this difficult time easier for them by taking out funeral insurance to help cover the cost. Preparing for your funeral is one of the most loving things you can do for those you leave behind. After all, you wouldn’t want to risk leaving your family with the financial stress of your funeral expenses, especially when they are grieving.

Funeral Insurance pays a lump sum benefit to your loved ones when the time comes for your funeral. This makes it easier for them to say goodbye without the added worry of funeral expenses and unpaid bills.

Benefits of funeral insurance

These are some of the ways Australian Seniors funeral insurance protects your family from financial stress4:

  • A fixed premium amount, in fact premiums reduce by 5% every 5 years you hold your policy.*
  • The choice of optional Children’s Insurance for your child aged between 2 and 17 years old.
  • Claims are usually paid out tax-free and within 1–2 business days of correct claim documentation being lodged, so your loved ones get financial support when they need it.
  • Accidental Serious Injury insurance is also included, providing added support in the event of certain accidental serious injuries.
  • You can choose the benefit amount (between $3,000 and $15,000) to be paid in the event of your death.
  • Acceptance is automatic for anyone aged between 18 and 79 who is an Australian resident.
  • Cover continues for as long as you continue to pay your premiums (guaranteed renewability).4

Get funeral cover today

To ensure your family won’t be left to worry about finding the money to pay for your funeral, consider taking out funeral insurance today. With Seniors Funeral Insurance Top Cover, your family’s payout will be either your chosen benefit amount or the total of all the premiums you’ve paid - whichever is higher.^ Your premiums will also reduce over time regardless of your age, so you’ll never have to worry about not being able to afford your policy. Get a quote for Seniors Funeral Insurance today.