Family Funeral Cover Quotes

Nobody wants to think about a funeral. But knowing your family won’t have to scramble for money at the hardest time brings real peace of mind. Getting a quote is free. Fill in one short form, and a licensed partner insurer or FSP will be in touch to talk through who you’d like to cover and give you a quote.

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Free to use, with no obligation to accept a quote.

How it works

1. Fill in one short form. Tell us your name, how to reach you and who you’d like to cover. It’s free and only takes a few minutes.
2. A licensed partner gets in touch. We pass your details to a licensed partner insurer or FSP, who will usually phone you, and may sometimes use WhatsApp, to ask any extra questions and give you a quote.
3. You decide. Take your time, ask questions and only go ahead if the cover and the premium suit you. You’re under no obligation to accept a quote.

What is funeral cover?

Funeral cover is insurance that pays a lump sum when someone covered by the policy passes away. The money helps your family pay for a dignified funeral.

Who can be covered on a family funeral policy?

You can usually add your spouse or partner, children, parents and parents-in-law, and extended family such as grandparents, brothers and sisters, aunts, uncles, cousins, nieces and nephews. Each person you add affects your premium.

How much funeral cover do you need?

Think about the funeral your family would realistically want, including transport, catering, travel and a tombstone. Policies usually cap the cover per person.

Funeral cover waiting periods explained

Natural causes commonly have a waiting period around six months. Accidental death is usually covered from the start once the policy is active and the first premium has been paid. New members and higher cover usually get their own waiting period.

Covering parents and extended family

• Check maximum joining ages.
• Use the correct ID numbers and dates of birth.
• Ask whether premiums increase each year.
• Make sure the right people know the policy exists and who the beneficiary is.

What you’ll usually need to claim

• a certified copy of the death certificate
• a copy of the deceased’s ID
• the claimant’s ID and bank details
• a completed claim form

Good questions to ask before you sign

• What waiting periods apply to each person?
• What are the maximum cover amounts and joining ages?
• Will my premium increase each year?
• What happens if I miss a payment?
• How long does a claim usually take?
• What is your FSP number?

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Funeral cover FAQs

Who can I cover on a family funeral policy?

Usually yourself, your spouse or partner, children, parents, parents-in-law and extended family. Age limits and cover limits apply.

What is the waiting period on funeral cover?

Most policies have a waiting period for death from natural causes, commonly around six months, while accidental death is usually covered from the start.

Can I cover my parents if they are over 65?

Often, yes. Many policies accept parents up to a maximum joining age, which varies by insurer.

How much funeral cover do I need?

Think about the full cost of the funeral your family would want, including transport, catering, travel and a tombstone.

Can I switch funeral policies without starting a new waiting period?

Sometimes. Some insurers will waive or shorten waiting periods if you’ve had continuous cover elsewhere.

Is Speedy Quotes free, and does it pay funeral claims?

Speedy Quotes is free to use, and you’re under no obligation to accept a quote. We don’t pay claims; claims are paid by the insurer that issues your policy.

Speedy Quotes is operated by Vantage Lead Intelligence (Pty) Ltd (Reg. No. 2026/132474/07). We are not a financial services provider and do not give financial advice.