.

Funeral Insurance

.
 
1. Funeral Insurance Policy details

2. Funeral Plan details

3. General funeral information - what to do and who can help
 
 
 
 
 
 
 
Funeral Insurance Policy
 
A Funeral is similar to a Will in that if you care about the people that you have shared your life with you will want to make this as painless an experience as possible and have it all planned out.  This is particularly true for the ex-patriates living in Tenerife or Spain as so many of us do not speak Spanish like a native and finding out which authorities need to be contacted and the order in which to do things can be a nightmare at the best of times.  

As people are living longer nowadays they spend more years on a fixed income.  With the continuing rise of living, funeral costs can already easily exceed 3,750€ (approx. £ 3,125) which can be a burden to your loved ones.

So for your own peace of mind and not to be burden in death, why not take out a Funeral Insurance Policy, you may be surprised at how inexpensive it is.  These policies include the cost of repatriation to the UK.

Payment of an annual premium, which increases with your age and completion of a medical questionnaire ;

          *  For 25 years old, with 4,000€ of cover : Cost per year -    46 € (man)    24 € (woman)

          *  For 35 years old, with 4,000€ of cover : Cost per year -    48 € (man)    33 € (woman)
          *  For 45 years old, with 4,000€ of cover : Cost per year -    74 € (man)    45 € (woman)
          *  For 55 years old, with 4,000€ of cover : Cost per year -  150 € (man)    80 € (woman)
          *  For 65 years old, with 4,000€ of cover : Cost per year -  304 € (man)  152 € (woman)
          *  For 70 years old, with 4,000€ of cover : Cost per year -  692 € (man)  517 € (woman)
 
            N.B. These policies can be extended to include accident cover and hospitalisation costs.
 
            Download Application Forms here :   EnglishSpanish or  German
 
So don't delay, contact us today.
 
 
 
 
 
 
 
 
 
 
 
Funeral Plan
 
An alternative to an insurance policy is a Funeral Plan which has the following advantages :-

* You make a one-off payment and all costs are covered

* No age limit

* No medical questionnaire

* The convenience of only having to make one call and everything will be taken care of

* Choose between Standard ( 2,700  ) or Premier ( 5,800  ) package

* Immediate Cover, no exclusion period

* Can work out much cheaper than an Insurance Policy

 
         Download Application Form here :   English
 
 
 
 
 
 

So don't delay, contact us today.

         
         
 
 
 
 
 
 

General Information about Funeral procedures

in Spain and the Canary Islands

The death of a relative or friend is always distressing. But if it happens abroad the distress can be made worse by practical problems. Consular Directorate in the Foreign and Commonwealth Office and Consulates in Spain are ready to help in any way that they can.

You may be uncertain what to do next or who to contact for advice.

You should be aware that Spanish procedures differ significantly to those in the United Kingdom.

 

 

Standard Procedures

Except in remote rural areas, Spanish undertakers are modern, well-equipped companies used to working with foreigners.

Following the death of a British national in Spain, their next of kin, or a formally appointed representative, must decide whether to repatriate  the deceased ( i.e.have the body sent back ) to the UK, or carry out a local burial or cremation. If the deceased was covered by travel insurance, it is important for the next of kin to contact the insurance company without delay. If there is no insurance cover, the cost of repatriation or burial will need to be met by the family, which can be quite substantial. Neither the Foreign and Commonwealth Office nor our Consulates in Spain have budgets to meet these costs.

Consular staff in London will pass on to the Consulate in Spain the wishes of the next of kin about disposal of the body, and details of who is taking responsibility for the costs involved. Under a strict interpretation of Spanish law, a deceased person must be buried within 72 hours of death. However, in the case of foreign nationals the authorities will normally allow as much time as necessary, although this should not be longer than a few days. It is important to remember that if the deceased was travelling with a tour operator, they can be a valuable source of assistance and advice.

* Repatriation

If the deceased was covered by travel insurance, the insurance company will normally have a standing agreement with an International funeral director in Britain to arrange repatriations. If the deceased is not covered by insurance, next of kin will need to appoint an undertaker in Spain or an International funeral director themselves. Spanish undertakers have links with international undertakers in the UK and they normally work well together to ensure that all necessary requirements are met in Spain and in the UK.

Local Undertakers in Spain are equipped to carry out repatriation procedures and will provide the special caskets required for the international carriage of human remains. A local civil registry death certificate, plus the doctor's death certificate (indicating cause of death), a certificate of embalming, and a certificate giving permission to transfer the remains to the UK is required to ship the body. This will be arranged by the Spanish Undertaker. Local formalities for repatriation normally take 8 to 10 days to complete.

* Local Burial

If next of kin choose to proceed with a local burial, they will need to instruct a local funeral director. Please note that in Spain 'burial' often means an above ground crypt. Rights to this are normally held for only 5 years, unless specifically purchased in perpetuity.

* Local Cremation

Cremation is now widely accepted in Spain and, except in rural areas, there are modern, well equipped, crematoria. If next of kin choose local cremation and wish to take the ashes back to the UK themselves, they can do so with minimal bureaucracy. If this is not possible, local undertakers will be able to arrange the necessary paperwork and transportation. There are no restrictions on movement of ashes within the EU.

 

 

Inquests

 

If the circumstances of the death were not unusual, registration of the death is permitted and the body will be released for repatriation or burial within a few hours. However, if an Examining Magistrate is not satisfied after a preliminary examination of the facts, an autopsy may be required. Further investigations and interviews with witnesses may also be called for before a decision is made as to cause of death.

In cases of sudden or unexpected death, whether by accident or misadventure, or where a person dies unattended, the Examining Magistrate will prepare a report of his findings and the body will be released for burial. The Magistrate's report will be retained by the Court and may only be released to the legal representative (a local lawyer) of the next of kin. However, if death was caused by a criminal act, the police will be ordered to conduct a full investigation. The State Prosecutor will then decide whether to prosecute. This can delay the release of the body for burial.

 

* Autopsies/Removal of Organs

Autopsies are carried out by court appointed forensic doctors. During an autopsy, organs can be removed for testing, including toxicological studies, at the discretion of the doctor, without consent of next of kin. Next of kin are not informed about the removal of any organs. The deceased's body can be buried or cremated in Spain or returned to the UK before tests on removed organs are completed. Any organs removed are retained for the duration of the tests, and are then put in storage for at least one month before being destroyed. Organs cannot be removed for any purpose other than testing without prior consent of the deceased (for research) or next of kin (transplants).

Next of kin can seek a court order requiring the eventual return of these organs. If the deceased's body has been repatriated, next of kin should contact their local coroner in the UK in order to request the return of any organs removed.

 

 

UK Coroners

 

When a body is repatriated to England or Wales, a coroner will hold an inquest only if the death was violent or unnatural, or if the death was sudden and the cause unknown. In some countries the cause of death is not given on the death certificate, and coroners do not generally have access to judicial files from other countries. Consequently coroners may order a post-mortem as part of the inquest.

Coroners can request copies of post-mortem and police reports from the Spanish authorities. However, these will only be provided once any judicial proceedings are completed. In some instances this can take many months.

In Scotland, the Scottish Executive is the responsible authority. However, they are not obliged to hold an inquest into cause of death. Coroners in Northern Ireland are also not obliged to hold an inquest into cause of death. However, next of kin can apply for a judicial review if no inquest is held.

 

 

Release of Information

 

Access to information concerning a death, other than post-mortem and police reports, is restricted. The Spanish authorities will not provide this information directly to next of kin, or to third parties including our Consulates. Requests for this information should be made through a legal representative. The release of any information can take many months, and the documents will be in Spanish.

 

 

Legal Aid

 

British nationals without the available means to appoint legal representation can apply for legal aid in most European countries. The Legal Services Commission in London (tel: +0044 - 020 7759 0000) is responsible for legal aid applications overseas. The Legal Services Commission currently forwards applications for legal aid to their counterparts in Spain, where cases will be considered for their eligibility (based on Spain's criteria).

 

 

Consular Death Registration

There is no obligation for the death overseas of a British national to be registered with the British Embassy. However, there are the advantages that a British form of death certificate is then available, and that a record of the death is afterwards held at the General Register Office in the UK. To apply from within the UK, you should contact Nationality and Passports Section of Consular Directorate, Old Admiralty Building, London SW1A 2AF Tel: 020 7008 0186. If you are applying from Spain, you should contact the nearest Consulate.

 

Contact

British Consulate-General, Madrid      Tel: +34 915 249 700

 

British Consulate in Santa Cruz, Tenerife covers the islands of Tenerife, La Palma, El Hierro and La Gomera.

British Consul: Steve Jones

British Vice consul: Helen Diaz de Arcaya Keating
 
Address :     Plaza Weyler, 8 - 1,   38003 Santa Cruz de Tenerife

Tel.: 0034 922 28 68 63      Fax: 0034 922 28 99 03    E-mail: tenerife.enquiries@fco.gov.uk
 

See Google location map

 

The Consulate is open to the public from Monday to Friday from 08.30 to 13.30


24-hour emergency service
: out of office hours the Consulate telephone number 0034 922 28 68 63 provides details on how to proceed in case of an emergency and to contact a duty officer if needed.