1.1 In these conditions the words listed below shall have the following meanings unless the context otherwise requires:
“Company” means Safe Hands.
“Cancellation Charge” means the cancellation charge which may be made by the Company in accordance with the provisions of these conditions (which in the case of SafeHands Funeral Plans is always £395).
“Funeral Director” means the Funeral Director named in the Plan.
“Plan” means the Funeral Plan identified in this agreement which includes the services specified by the Company from time to time to be included within that Funeral Plan.
“Plan Holder” or “You” means you, the customer or, where you are purchasing the Funeral Plan for the benefit of some other person, that person named within that specific plan.
“Representatives’” shall only be applicable where you are the Plan Holder or if you pre-decease the Plan Holder.
2.1 No contract shall exist between the Plan Holder and the Company until the plan application form has been signed and dated by the Plan Holder and on behalf of theCompany to indicate acceptance of the proposal. When this has been done, this will be the date of the Plan.
2.2 Upon acceptance the Company will issue the Plan Holder with the Planacceptance documentation including a membership certificate identifying the Planchosen and providing an emergency telephone number to use in the event of the death of the Plan Holder.
3. OBLIGATIONS OF THE COMPANY
3.1 Upon receipt of payment for the Plan to the value shown in the signed Planapplication form, the Company will provide or procure the services stipulated in thePlan upon the following conditions and subject also to the exclusions and limitations in clause 4 of these Conditions:
3.1.1 During this Agreement the Company will comply with its Code of Practice. If during this Agreement the Company’s registered status ceases for any reason then the Company will nevertheless endeavour to adhere to the said Code of Practice so far as it is reasonably practicable for it to do so.
3.1.2 If you have a complaint about the Company, then you are asked in the first instance to contact the Company which will endeavour to resolve the issue. If the complaint cannot be resolved by the Company then you may refer it to the appropriate body and/or people to be dealt with under their disputes procedure.
3.1.3 Any complaints about the Funeral Director should be referred back to their own disciplinary department for determination (if applicable) with its own complaints procedure.
3.1.4 If any of the services stipulated in the Plan are unavailable at the time of the funeral, the Company will procure substitute services which are as near as practicably equivalent to the services stated in the original Plan. Furthermore, if the Plan Holder specifies that they wish for a specific Funeral Director to conduct their funeral, but at the point of need it transpires that, for any reason, that Funeral Director is unable or unwilling to carry out the funeral, then the Company will appoint a Funeral Director who is willing and able to carry out the Plan Holder’s wishes without further cost to the Plan Holder’s family and/or estate.
4. EXCLUSIONS AND LIMITATIONS
4.1 The cost of the funeral in the Plan includes certain disbursements(‘Disbursements’) as well as the Funeral Director’sown charges. Disbursements comprise all out of pocket expenses and sums payable to third parties in connection with the funeral other than any sums due to the Funeral Director for providing their own services. Such disbursements can include (by way of example only) sums payable for purchasing a burial plot, crematorium fees, doctor’s fees, minister’s fees, church fees, flowers and obituaries. The cost of disbursements is shown in the price details for each Plan issued by the Company or specifically noted in the Plandocumentation. If the cost of the disbursements increases between the date of the purchase of the Plan and the date of the funeral by more than the increase over such period in the Retail Prices Index (RPI) then you or your Personal Representatives (or other person who arranges the funeral) will be liable to pay the difference to theFuneral Director in accordance with their payment terms or, alternatively, you or your Personal Representatives (or other person who arranges the funeral) may cancel the Plan and receive a refund of the price paid for the Plan less the Company’s Cancellation Charge.
4.2 BURIALS: For Funeral Plans which provide for a burial, the Company will incur costs to third parties, such as the provision of a burial plot. The Company will endeavor to purchase the plot at the time the Funeral Plan is entered into; however, if pre-purchase of grave space is not possible (or if, the Company having pre-purchased a burial plot, that plot later ceases to be available for any reason outside the Company’s control) and the costs of a burial plot increase between the date of the purchase of the Funeral Plan and the date of the funeral by more than the increase over such period in the Retail Prices Index (RPI) then you or your Personal Representatives (or other person who arranges the funeral) will be liable to pay the difference to the Funeral Director in accordance with their payment terms.
If any of the burial costs increase as a result of the Plan Holder moving address (for example the interment costs of the cemetery) between the date of the purchase of the Plan and the funeral then if such increase is more than the increase in the RPI over the same period then the Plan Holder or Representatives (or other person who arranges the Funeral) will be liable to pay the difference to the Funeral Director.
4.3 CREMATION: For Plans which provide for cremation, should any of the specific instances referred to in clauses 4.3.1 to 4.3.3 below apply, then additional charges will be due from the Plan Holder or Representatives (or other person who arranges the funeral) to the Funeral Director in accordance with their payment terms. These are as follows:
– If the crematorium at which the funeral occurs makes any additional charge for the provision of music (including, for example, an organist or choir) or any other services;
4.3.1 If the crematorium at which the funeral occurs makes any additional charge for the provision of music (including, for example, an organist or choir) or any other services.
4.3.2 Any fee payable to a doctor to the extent that it exceeds the maximum amount recommended from time to time by the British Medical Association or any successor body thereto.
4.3.3 The fee charged by the Minister of Religion or Officiant to the extent that it exceeds the maximum amount recommended by the Church of England Stipend Authority or any other authority of the Church of England in succession thereto.
4.4 The funeral service will be arranged at a time convenient to the Personal Representatives of the Plan Holder, subject to the availability of the Funeral Director. An additional charge will be due to the Funeral Director in accordance with their payment terms should the Plan Holder’s Personal Representative (or other person who arranges the funeral) require the funeral to take place at a weekend or public holiday.
5. CHANGE OF ADDRESS
The Plan provides for the funeral to be conducted by the Funeral Director named in the Plan. If the Plan Holder changes their permanent address they must notify theCompany whereupon the Company will have the right to nominate an appropriate alternative Funeral Director. If, notwithstanding the change of address, the Plan Holder or Personal Representatives wishes the funeral to be undertaken by the originally specified Funeral Director then the Plan Holder orPersonal Representatives(or other person who arranges the funeral) will be responsible for any additional transport costs incurred in connection with the funeral.
6.1 Apart from the specific instances referred to in clause 6.2 below, the Plan does not include VAT which is not at present charged on funerals in the United Kingdom. However, if at the time of the Plan Holder’s funeral VAT is payable on the funeral service or any part of it then any increased costs will be payable by the Plan Holderor Representatives (or other person arranging the funeral) to the Funeral Director.
6.2 Some Plans do include a charge for VAT on certain items (for example, the provision of a headstone or memorials). If at the date of the funeral the rate of VAT has increased then the Plan Holder or Personal Representatives (or other person arranging the funeral) will be liable for the increase which will be payable to theFuneral Director in accordance with their payment terms.
7. PROCEDURE ON DEATH OF PLAN HOLDER
7.1 Subject to Clause 3 and Clause 7.2 below, as soon as the Company has been informed of the death of the Plan Holderand been given such information as is necessary.
7.1.1 The Company will instruct the Funeral Director to undertake the funeral in accordance with the Plan.
7.1.2 The Funeral Director’s charges will be settled by the Company.
7.2 The Company will only instruct the Funeral Director if at the date of death an agency or service agreement is in force between the Company and the Funeral Director, which the Funeral Director is able to perform. If this is not the case then theCompany will (at the option of you or your Personal Representatives) either refund the sums which have been paid into the Plan (in which case the provisions of sub-clause 9.2 below as will apply if the Plan is cancelled in accordance with that sub-clause) or (subject to the provisions of these terms) pay the cost of any other Funeral Director appointed by the Plan Holder’s Personal Representatives provided that:
7.2.1 The services are in accordance with the Plan; and
7.2.2 The Funeral Director’s charges for the funeral (including, without limitation, costs, due to third parties) do not exceed the price then chargeable by the Companyfor the nearest equivalent funeral plan at the date of death and are reasonable.
7.3 All arrangements for the funeral will be made direct between the Plan Holder’sPersonal Representatives and theFuneral Director.
8. PAYMENT BY INSTALLMENTS
8.1 As an alternative to making a single payment you may if you wish pay by instalments. If you have selected the instalment Option, your payments should be shown on the Payment Form. Payment plans are listed in the price list.
8.2 Instalments are to be paid monthly on (day to be specified by the Plan Holder).
8.3 If you choose to pay by instalments you are not contractually bound to make them. However, unless all instalments under the Plan are paid then the Company will be under no obligation to provide or procure the services of the Plan.
8.4 If any instalment is not paid on the stipulated date in the Payment Form theCompany reserves the right to cancel thePlan on giving you not less than fourteen days prior written notice. No refund is given on plans that are cancelled by theCompany as a direct result of non-payment of instalments by the Plan Holder.
8.5 If the Plan has not been cancelled under Clause 8.4 above or Clause 9 below then in the event of the death of the Plan Holder before all the instalments are paid, theCompany will apply the balance remaining towards the cost of your funeral inc any additional sums due in accordance with these Terms.
9.1 Whether you are paying for the Plan by instalments or in a lump sum you or yourPersonal Representatives have the right to cancel the Plan upon giving to theCompany written notice to this effect within 28 days after the Company has signed the Agreement and issued a membership certificate. All payments made to the date of termination will be repaid to the Plan Holder or Representatives (without interest). In these circumstances no Cancellation Charge will be applied.
9.2 After the said 28 day period, you or your Personal Representatives may request the Company to refund the cost of thePlan (if paid for in full) whereupon theCompany may in its absolute discretion refund the amount paid less its Cancellation Charge on the whole or any part of the cost of the Plan and also (in the case of a Planproviding for a burial), less the costs incurred by the Company in purchasing or reserving a burial plot.
9.3 The cancellation charge is £395.
10.1 The Company is not liable for any acts or omissions of any Funeral Directorappointed pursuant to Clause 7.1
10.2 The Company cannot be held responsible for the acts or omissions of theFuneral Director appointed under clause 7.1 unless the Company has been negligent in its appointment.
10.3 All sums received by the Company constitute a pre-payment towards the cost of the funeral described in the Plan in accordance with the provisions of these terms. Neither the Plan Holder nor respective Representatives shall be entitled to any interest on or income from any part of the sum paid to the Company in connection with the Plan and any right which you or your Personal Representatives may have to any refund of sums paid are governed strictly by the terms of this Agreement. The sums which you pay to the Company in connection with the Plan will be paid directly to the Trustees of the Safe Hands Trust Fund, in accordance with the requirements of the Financial Services and Markets Act 2000 (Regulated Activities Order 2001). TheCompany is entitled solely to any growth in or interest on or income from the sums paid, which entitlement the Company has settled in accordance with the terms of the Trust.
10.4 The Company shall have no further obligations to the Plan Holder or your respective Personal Representatives, whether financial or otherwise, save as expressly set out in these Terms.
10.5 You may not assign your rights and obligations under the Agreement.
10.6 Any notice or other information required or authorised by these terms shall be given by hand or sent by first class pre-paid post to the other party at the address specified in the Agreement or to such other address as that party may notify the other in writing from time to time in accordance with this provision.
10.7 The provisions of clauses 4, 5 and 6 are made for the benefit of a Funeral Director and, accordingly, it may in its own right enforce these provisions in accordance with the Provisions of the Contracts (Rights of Third Parties) Act 1999 (‘the Act’), This Agreement does not, however, create any other rights enforceable by any person who is not a party to it (including, without limitation, a Plan Holder where you are purchasing the Plan not for yourself but for some other person) under the Act.
10.8 This Agreement shall be governed by and construed in all respects in accordance with the Laws of England and each party hereby submits to the nonexclusive jurisdiction of the English Courts.