Funeral cover for child

Yes, interested to know where you are too. I also arranged children's funerals in the South East and the only thing parents of under 18s ever paid for was a headstone, an urn, flowers, or if they wanted an upgrade to the standard coffin allowance. Our FD fees were waived, as were cremation and burial fees. We were supposed to only offer funerals to babies after 23 weeks gestation, but we always gave our services free for earlier miscarriages. One woman had only been 7 weeks pregnant, and there wasn't much to cremate, but she still got our services free.

Where are you?

If in England, they are free to the parents, as the government pays the standard expenses.

Of course, the family may want extras beyond this, but the standard funeral is covered by a specific government fund.

Reported what? On what grounds?

Obviously this topic will be upsetting for some people, but it is clear from the title what it is about, so if you are sadly in a position where this is difficult for you, then you would scroll by and not open the thread.

As the OP states, MN is a huge, busy forum, on which all sorts of topics are discussed that might be upsetting for any individuals. That is absolutely allowed.

OP has also explained she isn't "researching" to write a book or an article or some sort of dissertation or report, she possibly used the wrong expression, but is "trying to ask a wider audience" as the people she had spoken to were saying things she was really surprised about (as it seems many of us on this thread are) so wanted to "ask the internet" to get more views.

Which is exactly what a discussion forum is for.

Why?

You're talking on a thread about a deeply upsetting subject and you think that kind of response is appropriate

But yes, the other poster is correct, research is not allowed. It's in the T&Cs.

Reported.

The people that are nasty enough to comment publicly like that about a family’s donation page after they've lost a child are just being idiots for a cheap kick. They clearly have no idea what has to be done or paid for when someone dies, luckily for them, and they don’t deserve you to give their comments any credit or value.

Apparently there was a spate of child murders in the 19th century to claim insurance funds so child insurance was outlawed.

The waiver of celebrant fees for child funerals was led by churches who pay priests a salary. The funeral fee was for upkeep. For Humanist and other self employed celebrants it is a hit to income. But they waive it because everyone else does.

I had funeral cover for my (elderly) mum, she paid into it for 20 years, they paid out approx £2k, which was a pittance compared to what she had paid in, and didnt come near what the funeral cost, absolute scam unless you die early which for children is less likely 🤔

I used to be a funeral arranger (SE England). Most, if not all Funeral directors I knew didn't charge for a child over 23 weeks gestation up to 18 years of age. The crematoriums and cemeteries waived their fees too, as did the funeral celebrants/clergy. The only expense for families was for a burial headstone/urn, and stationery such as order of service.

We do have this cover but not as a separate policy, it is included in another policy we have.

It’s an interesting & sad post though, there have been unfortunately quite a few children die locally this year and every time there has been a go fund me set up and shared on local pages for funeral costs so I assume it’s not something most people have cover for. The last two posts on local pages for this did receive some quite harsh comments re. “begging for money” and people far less willing to donate so it may be something people have to start including unless they have the money there.

No because you can't get death cover for children .you can get them a plan to come out at 18 but it's not for death .I would never because I would never want to think of such a thing

I can’t imagine all that many people feel this is altogether necessary in the UK, thankfully.
Of course it isn’t a rule that children’s funerals are free but some fees are sometimes waived. Most people hope that they’ll be in the lucky majority that won’t ever have to trouble themselves with such costs I expect.

No. But they all have savings accounts that would be used for a basic funeral if need be.

No. I wouldn’t entertain having to plan for the loss of my children but in any event covering the cost would be no issue

general consensus being that parents should be taking out policies for their children as standard practice and not needing to rely on others to support.

General consensus amongst whom ?

I've never heard the question even asked, let alone be something anyone that I am aware of would see as a normal thing to do, to insure against funeral costs.