Quick answer
The most important questions to ask a funeral director cover three things: cost, what's included, and your rights.
Ask for a full itemised quote in writing, ask what's optional versus compulsory, and if you're signing a prepaid funeral contract, ask about the cooling-off period, since most states give you the right to cancel and get a refund within a set number of days after signing. You're also entitled to ask questions without being rushed into a decision.
Before you agree to anything, remember
- Always ask for a full itemised quote in writing
- Ask what's included versus what's optional
- If prepaying, ask about the cooling-off period and refund rights
- You can compare more than one funeral director before deciding
- A good funeral director will answer questions without rushing you
Questions about pricing
ricing is usually the biggest source of confusion, so it's worth being direct.
- Can I get a full itemised quote in writing?
- What's included in this price, and what's charged separately?
- Are cemetery or crematorium fees included, or billed separately?
- Are there any costs that might come up later, such as a headstone?
- Can you break down the cost of the coffin separately from the service?
Questions about timing and logistics
- How soon can the funeral take place?
- What happens if some family members can't attend on short notice?
- Will the death need to be reported to the coroner, and how does that affect timing?
- What do you need from me, and by when?
Questions to ask if you're considering a prepaid plan
Prepaid funeral plans and funeral bonds can help with budgeting, but they're worth asking about carefully before signing.
- Is my money held in a registered trust or fund?
- What happens if I move interstate or change my mind?
- What is the cooling-off period, and how do I cancel in writing if I need to?
- Are there any fees deducted if I cancel during the cooling-off period?
Cooling-off rights for prepaid funeral contracts vary by state. In Queensland, for example, funeral benefit agreements come with an automatic 30-day cooling-off period, and the provider must refund your payment (minus a small cancellation fee) if you cancel in writing within that time. Ask your funeral director to explain the specific terms that apply in your state before signing anything.
Questions that help you compare providers
- Are you a member of AFDA or another recognised industry body?
- Can I speak to you again before making a final decision?
- Is it okay if I get a quote from another funeral home too?
- What happens if I want to make changes after booking?
Compare
Quick checklist before you sign anything
- Get the quote in writing, itemised
- Confirm what's optional and what's not
- Ask about the cooling-off period if prepaying
- Check they're a member of a recognised body like AFDA
- Take the quote away to review before committing, if you're not under time pressure
Sources used in this guide include
