Funeral Costs vs. the Cost of Funeral Insurance

The cost of a funeral comes as a surprise to many people. It’s not until we ring around for quotes or the bills come in, that we often find out just how expensive a funeral can be. Luckily, the shock of funeral costs can be greatly reduced with a simple funeral insurance policy. 

At Insuranceline, we make Funeral Insurance easier for you.

As long as you don’t make any changes to your cover, your premiums won’t go up just because you get older.

Organise funeral insurance with us (it takes just a few minutes) and we'll do our best to make sure you’ll never need to think about it again.

How much does a funeral cost?

According to a 2018 survey, the average cost of a funeral in Australia is $7,449. And ASIC’s MoneySmart website sayas funerals can cost anywhere from $4,000 for something simple to $15,000 for something fancier. Costs are estimates only and vary depending on state, and the services and features chosen.

Costs are generally made up of the following:
  • Funeral director – also known as an undertaker, or mortician. Funeral directors organise the event and also source suppliers such as florists and the organist. Their fees can vary a lot so it's a good idea to ring around and get quotes.
  • Transport – fees depend on the distance and vehicle.
  • Coffin or urn – coffins range in price from a couple of hundred dollars (eco recycled cardboard) to hundreds of dollars (basic timber) to thousands for a top-of-the-line casket. Urns are generally not as expensive unless they are customised or made from an expensive material. You might like to supply your own container for ashes.
  • Burial site – these vary from simple plots to mausoleums and burial vaults. Check out the cost in your chosen resting place, especially if it’s in a city as graves can be pricey in cemeteries short on space. 
  • Burial – the cost depends on whether you have already paid for a burial plot. There is generally an opening fee over and above the cost of the grave. 
  • Cremation Fees
  • Other expenses, such as a celebrant or clergy, flowers, newspaper notices, death certificates and costs associated with the wake can also be incurred. 

Find out more about pre-paid funerals, funeral plans and funeral bonds.

Click here to get an online quote or give us a call on 13 77 87 to talk to our friendly staff.