How much does a funeral without insurance cost in Spain?

The price of a funeral without insurance in Spain can end up being very high for many families. On average, a basic funeral service can exceed 3,700 euros, according to OCU data, but this amount can be higher depending on various factors. For this reason, at Áltima we are offering you advice on how to reduce costs by analysing the different services available and trying to adapt them to your budget.

Factors that influence the price of a funeral without insurance

How much does a funeral without insurance cost in Spain? When a loved one dies, there are many factors that can affect the price of funeral services, particularly if the deceased did not have insurance cover.

Seasonality

Although it may not seem so, there are certain times of the year when a funeral can be more expensive. For example, if you intend to include services such as floral decorations, you should bear in mind that the season in which a certain type of flower is purchased can alter the cost of the funeral.

Location

One of the main factors influencing the price of a funeral without insurance in Spain is the geographical location in which the funeral takes place. Depending on the city, funeral costs, municipal fees and even transfer requirements can increase the financial burden on families.

Type of funeral

There are many types of funerals based on both the wishes of the families and the final wishes of the deceased. In addition, there is more and more personalisation being offered in this respect, which also has an impact on the price of a funeral without insurance.

The type of funeral is a determining factor. Organising a simple funeral is not the same as organising a ceremony with a large number of attendees or a full funeral service.

Choice of burial place

When choosing the type of burial place for our loved one, it should also be remembered that this can greatly influence the price of a funeral without insurance.

Choosing between burial or cremation, selecting the type of coffin or urn, and having to pay for the rental of a niche or burial site are all decisions that will alter the cost of the funeral.

This factor is very important because the economic difference can be very considerable depending on the options chosen.

Administrative procedures

Registering the death at the Civil Registry Office, obtaining the medical death certificate or the certificate of the last will and testament, and so forth, are unavoidable administrative procedures that need to be done by families when a loved one dies.

The price may increase, depending on how many different procedures have to be carried out. When the deceased has a funeral insurance policy or similar, this type of administrative procedure is usually covered. However, if there is no cover it means paying the different fees associated with each procedure in order to get the obligatory legal documentation to carry out the funeral.

Price of a funeral without insurance

To calculate how much a funeral without insurance costs in Spain, the approximate prices of each basic funeral service can be calculated.

Coffin or casket

This is an unavoidable expense in a funeral, even if cremation is chosen. The average price of a coffin is around 1,200 euros, although you can find a wide range of prices from 700 to 4,000 euros, depending on the type of coffin chosen.

Funeral home and cremation

It is common to include the cost of a funeral home when a loved one dies, as these are areas designed to receive family and friends in such circumstances. The daily cost of renting a room in a funeral home is, on average, 400 euros.

With regard to cremation, the average cost of this service is around 500 euros, although the figures vary depending on the city, the size of the room, the type of urn, the services added, the funeral company in charge, and so on.

Gravestone and niche

The type of grave chosen will also have a bearing on costs. Prices, in this case, can also vary greatly, since the cost of a niche can range from 300 and 700 euros per year.

In addition, if you want to personalise a gravestone, the price can range from 500 to 2,500 euros, approximately.

Transfer and hearse

Another common expense for a funeral without insurance is the cost of transfers and the hearse, the price of which can range from 200 to 400 euros. This may depend on the mileage and whether, for example, transport to another autonomous community or even repatriation from or to another country is necessary.

Flowers and funeral programmes

The price of floral decorations for a funeral are difficult to estimate as a lot will depend on the quantity, the type of flowers chosen and other factors. A basic flower wreath can cost between 150 and 200 euros.

Other expenses, such as funeral programmes, will also increase costs. Again, a lot will depend on the option chosen, with prices starting at 65 cents per individual unit.

Fees and certificates

The different administrative procedures that must be carried out when a loved one dies also incur a cost for families. The price varies from one city to another, but on average in Spain the administrative procedures for a funeral cost between 150 and 180 euros.

How to reduce funeral costs in the absence of insurance: practical advice and recommendations

The price of a funeral without insurance can be very high, but you can apply the following advice if you want to reduce costs:
 

• Compare prices and services before making a decision.
• A simple funeral is much cheaper than a comprehensive funeral service.
• Personalise the services you need and avoid extras you don't want.
• Plan funeral services and pay in advance (your family will avoid this cost and you will be able to pay in instalments).
• Choose a company that offers you a variety of options.

Choosing Áltima allows you to reduce funeral costs if you do not have insurance. This is because we offer a high level of personalisation with services that are adapted to all needs and budgets. Contact us!