PB 1

3

Pg. 4 - 5

Pg. 6 - 9

Pg. 9

Pg. 10

Pg. 11

Pg. 12 - 13

Pg. 15

Pg. 16

Pg. 16

Pg. 17 - 19

Company History .......................................................................................................................................

Funeral Planning .......................................................................................................................................

Choose a Plan to suit you ...........................................................................................................................

Your quick guide to buying a funeral plan ................................................................................................

Commonly asked questions .......................................................................................................................

Pricing and Information ............................................................................................................................

Why Choose Perfect Choice ........................................................................................................................

Taking Out a Plan .......................................................................................................................................

Get in Touch ...............................................................................................................................................

Terms and Conditions ................................................................................................................................

C O N T E N T S

Crake and MallonF U N E R A L P L A N N I N G

4 5

C O M P A N Y H I S T O R Y

Foreword by Alison Crake

MBA FCMI, Senior Partner

Crake and Mallon Funeral Service was

established in 1971, by my late father Robert

Crake. Robert (known as Bob) who was originally

from East Rainton in Country Durham, began

his career in the funeral profession in 1940. He

moved to Stockton in 1956 as a Funeral Service

Manager and then set-up his own business in

1971. Originally called “Robert Crake Funeral

Service” the company’s first premises were

in Skinner Street in Stockton and the “staff”

consisted of just my father and mother, Dorothy.

In the earlier part of 1973 my father’s former

colleague and close friend, Joseph Mallon,

joined him and the company became known as

Crake and Mallon Funeral Service.

Both my father and Joe were well known and

well respected throughout the community

and the company steadily developed over the

following years. My brother, also called Robert,

joined in 1974 and I followed in 1979, closely

followed by my brother in law James Ross who

joined in 1981.

As the years progressed we realised that much

larger premises were needed and in the summer

of 1991 we purchased our current premises in

Norton Road. These premises stand on the site

of what was once the Wesleyan Chapel, founded

in 1887 and which stood until the 1950’s. In

subsequent years it had been numerous things

including a car showroom, so an extensive

refurbishment was needed and it wasn’t until

December 1991 that we were able to relocate.

Wesleyan Chapel Bob Crake (right) and Joe Mallon (left) pictured here in 1983

Our first premises in Skinner Street, Stockton

4 5

Crake and Mallon only offer funeral plans in partnership with Perfect Choice. We do not offer set plans, we

provide the client with the opportunity to tailor the plan to suit their own requirements. Creating a bespoke plan

allows us to ensure that our client’s individual needs are accommodated.

Crake and Mallon are members of the National Association of Funeral Directors so you can be sure that your

wishes will be handled sensitively, professionally and in accordance with the NAFD’s Code of Practice.

Alison Crake pictured here accepting special recognition for outstanding customer service from

Chris Clark, Ecclesiastical Planning Services and Neil Baxter, Perfect Choice.

Our reception area in our Norton Road premises

6 7

6

F U N E R A L P L A N N I N G

Planning for later life is never an easy thing to do, but it can be comforting and reassuring to know that

you’ve taken care of your arrangements, including your funeral. By taking some time now, you can provide

both financial and practical help for your loved ones in the future.

If you’ve ever had to arrange a funeral for someone, you know just how much there is to decide and how

difficult it can be. Many people never get round to talking to their families about the kind of funeral they

would like. This can lead to all sorts of worry and anxiety for loved ones when the time comes.

A Perfect Choice Pre-Arranged Funeral Plan from Crake and Mallon is a simple and straight-forward way

of removing this worry and can provide real peace of mind for you and your family. We deal with funeral

plans on behalf of clients on a daily basis and see the difference they can make.

We have been arranging funerals in the Teesside community since 1971, our staff are knowledgeable about

all aspects of pre-arranging and pre-planning funerals and have a wealth of experience of local facilities

and local customs.

F U N E R A L C O S T S A R E S T E A D I L Y I N C R E A S I N G

Funeral costs continue to rise and further

increases are predicted in coming years so it

makes sense to make financial provision in

advance.

Our Perfect Choice Funeral Plan guarantees

that your funeral costs as set out in your plan

documentation will be covered, no matter how

much prices rise. As long as you stay in the

same area, use the same funeral directing firm

(Crake and Mallon) and your requirements

don’t change, your family won’t be asked to pay

a penny more for your funeral costs regardless

of how long you live or what happens to costs

in the meantime.

Please refer to our Terms and Conditions at the

back of this brochure for more information.

W H A T H A P P E N S T O M Y M O N E Y ?

A Perfect Choice Funeral Plan also gives you

exceptional financial security for your money.

Unlike some plans, every penny of the full value

of a Perfect Choice plan (excluding the initial

management fee) is held securely in a whole

of life assurance policy and ring fenced to pay

your funeral when the time comes.

The money is made immediately available to

ourselves and the funds cannot be used for

anything other than your funeral for total

peace of mind.

Perfect Choice Funeral Plan funds are held in

guaranteed whole of life assurance policies with

a life assurance company that is authorised by

the Prudential Regulation Authority (PRA) and

regulated by the PRA and the Financial Conduct

Authority (FCA). Funeral Plans themselves

are not regulated by the PRA or FCA but are

regulated by the Funeral Planning Authority.

6 7

TA K I N G O U T A F U N E R A L P L A N I S

N O T O N LY O N E O F T H E M O S T T H O U G H T F U L

A N D C A R I N G T H I N G S Y O U C A N D O ,

I T P R O V I D E S R E A L F I N A N C I A L B E N E F I T S T O O

I T C A N B E C O M F O R T I N G A N D R E A S S U R I N G

T O K N O W Y O U ’ V E TA K E N C A R E

O F Y O U R F U N E R A L A R R A N G E M E N T S

I N A D V A N C E

9

C O M P L E T E P E A C E O F M I N D F O R Y O U A N D Y O U R F A M I L Y

Whether you want a funeral that celebrates your life or something more traditional, a Perfect Choice

Funeral Plan lets you:

• Prearrange all the details of your funeral and remove the worry for your loved ones.

• Fix the costs at today’s prices.

• Make your wishes known in advance.

• Choose from a range of funeral services with flexible payment options or personalise your plan to

your specific requirements and budget.

What’s more, Crake and Mallon are members of the National Association of Funeral Directors so you can

be sure that your wishes will be handled sensitively, professionally and in accordance with the NAFD’s

code of practice.

C H O O S E A P L A N T O S U I T Y O U

Everyone has their own ideas about the funeral they would like. After all, it’s a very personal decision. You

may choose something simple and straight-forward, or you might prefer a funeral with additional services

and special touches.

With Perfect Choice Funeral Plans you can choose from a range of services. The table below shows some

of the typical services that are available. You can use this list to consider what you would like to include.

P L E A S E S E L E C T T H E S E R V I C E S Y O U W O U L D L I K E

The services of your funeral director

Provision of the necessary funeral arrangements

Professional advice on certification and registration of death

Conveyance of the deceased to our premises

Care of the deceased until the cremation or burial takes place

A simple veneered oak coffin

A wicker coffin

A solid oak coffin or casket

A service in church prior to the cremation or burial

A hearse to convey the coffin to the nearest crematorium or cemetery

Provision of one limousine for family and friends

Provision of two limousines for family and friends

Also think about whether you would like to personalise your funeral and if so how.

10 11

Y O U R Q U I C K Q U I D E T O B U Y I N G A F U N E R A L P L A N

There’s an abundance of funeral plans and providers in the UK and it can be difficult to find the best

product for your needs. There are a few things to ask before buying a funeral plan;

Q . W H AT H A P P E N S T O M Y M O N E Y ?

By working with Perfect Choice our funeral plan gives you exceptional financial security for your money. Every

penny of the full value of the Perfect Choice plan (excluding the initial management fee) is held securely and

ring-fenced to pay for your funeral.

Perfect Choice Funeral Plan funds are held in guaranteed whole of life assurance policies with a life assurance

company that is authorised by the Prudential Regulation Authority (PRA) and regulated by the PRA and the

Financial Conduct Authority (FCA). Funeral plans themselves are not regulated by the PRA or FCA but are

regulated by the Funeral Planning Authority.

Perfect Choice Funeral Plans are brought to you by Ecclesiastical Planning Services which is part of the

Ecclesiastical Insurance Group. Ecclesiastical is a specialist, UK based financial services group which has been

protecting people, property and funds since it was founded in 1887.

Q . W H O I S E L I G I B L E ?

Anyone aged 18 or over can take out a plan with us. There’s no upper age limit and no medical or health

questions to answer.

Q . C A N T H E P L A N I N C L U D E S P E C I A L W I S H E S ?

You can add special wishes and requests such as song choices, readings, information for a eulogy and so

on. There is no charge to add these details. There may be more to pay if you require additional features,

services or upgrades.

Q . W H AT H A P P E N S I F I M O V E T O A D I F F E R E N T PA R T O F T H E C O U N T RY ?

Because Perfect Choice works with funeral directors throughout the country, you should be able to transfer

your plan to an accredited funeral director near your new home. However, there may be additional costs to pay

depending on local prices. Please refer to the Terms and Conditions for details or speak to a member of staff.

10 11

S O M E O T H E R C O M M O N L Y A S K E D Q U E S T I O N S

Q . C A N I B U Y F U N E R A L A P L A N F O R S O M E O N E E L S E ?

Yes - we find that many of our clients choose to do this.

Q . C A N I PAY F O R M Y P E R F E C T C H O I C E F U N E R A L P L A N I N I N S TA L M E N T S ?

Yes - you are able to pay over 12, 24, 36, 48 or 60 months. (Terms and conditions apply)

Q . C A N I C H A N G E M Y F U N E R A L P L A N A R R A N G E M E N T S ?

Yes - you can make changes to your plan after you have taken it out. Just let us know what you wish to

change. There may be an additional cost if you add new features and services to your plan.

Q . I S T H E P L A N G U A R A N T E E D T O C O V E R T H E E N T I R E C O S T O F T H E F U N E R A L ?

The plan is guaranteed to cover our Funeral Director’s costs listed in the plan details. Choosing a Perfect

Choice Funeral Plan through Crake and Mallon will also give you the benefit of guaranteed disbursements,

meaning as long as your requirements don’t change there will be no additional charges, irrespective of

when the funeral takes place. Please see our Terms and Conditions at the back of this brochure for further

details.

Q . C A N I C A N C E L M Y P L A N ?

Yes - you can cancel your plan at any time. If you choose to cancel the plan up to 30 days from the date

of purchase you’ll receive a full refund. If you cancel the plan after 30 days, you’ll receive a refund of the

original amount paid, excluding the management fee.

Q . W H AT H A P P E N S I F I PAY B Y I N S TA L M E N T S A N D N E E D T O C A N C E L F U T U R E

PAY M E N T S ?

If you choose to pay by monthly instalments and you wish to stop paying for any reason, you can either

cancel the plan and receive a refund of the money you have paid excluding the management fee, or you

can leave what you have paid in the plan to be used as a contribution to your funeral when the time comes.

And, if your plan is needed before you have completed your instalments, the payments you have made will

be used as a contribution to your funeral and your wishes will be clearly documented, giving your family

peace of mind.

Q . W H AT H A P P E N S I F I D I E A B R O A D ?

Our funeral plan does not cover the cost of a funeral abroad, or the cost of repatriating the deceased. It is

therefore important that your travel insurance policy covers this situation.

12 13

E X A M P L E S O F T O T A L P A Y A B L E I N C L U D I N G C O F F I N :

Norton – Oak Veneer style coffin

Barnard – Solid Oak style coffin

Willow – Hand woven, natural willow (wicker) coffin

Woollen – Natural coffin made using pure wool

£495.00 = £2130.00

£925.00 = £2560.00

£695.00 = £2330.00

£750.00 = £2385.00

P R I C I N G A N D I N F O R M A T I O N

Details of our pricing and other typical third party costs are included below. Should you require a more

detailed quotation our staff would be pleased to offer their help and advice and provide you with a full

written estimate without obligation.

Please note these prices were correct at the time of printing, however are subject to change without

notice.

Professional services of the Funeral Director

Removal of the deceased from a local address to our premises

Provision of a hearse to the nearest Crematorium or Cemetery

Provision of one six/seven seater limousine

£995.00

£195.00

£250.00

£195.00

£1635.00Total (excluding coffin)

12 13

E X A M P L E S O F C O S T S F O R A S I M P L E P R E - P A Y M E N T P L A N :

Our costs including a simple veneered oak coffin and

the provision of a hearse and one limousine

Typical third party fees for a cremation (approximately)

Perfect Choice management fee

£2130.00

£1100.00

£280.00

£3510.00

There will be unavoidable costs for third party services such as:

For a Cremation Service:

• Cremation Fee

• Doctor’s Fees for signing cremation forms

• Church Fee (if applicable)

• Minister / Celebrant’s Fee

• Organist Fee (if applicable)

*Please note typical fees for a burial service will vary greatly depending on the cemetery or churchyard of

your choice and the type of grave you wish to purchase. In the Stockton area the grave fees will increase

significantly for non-residents

Also note:

• Additional charges may apply if the service takes place on a Saturday

• Prices for different types of coffins and caskets are available on request

For a Burial Service:

• Burial Fee – to purchase a new grave or re-open an existing grave*

• Church Fee

• Minister / Celebrant’s Fee

• Organist Fee (if applicable)

Plus additional third party charges for other items selected such as:

• Press notice

• Floral Tributes

• Catering

Total

W I T H A C R A K E A N D M A L L O N F U N E R A L

P L A N Y O U R W I S H E S W I L L B E C L E A R LY

D O C U M E N T E D G I V I N G B O T H Y O U A N D

Y O U R F A M I LY P E A C E O F M I N D

15

W H Y C H O O S E P E R F E C T C H O I C E ?

• Perfect Choice Funeral Plans are brought to you by Ecclesiastical Planning Services which is part of the

Ecclesiastical Insurance Group. Ecclesiastical is a specialist, UK based financial services group which has

been protecting people, property and funds since it was founded in 1887.

• You can be sure that your funeral will be of the highest professional standard as each and every Perfect

Choice funeral is provided by a funeral director that complies with the National Association of Funeral

Directors’ Code of Practice.

• Ecclesiastical Planning Services is a registered provider of, and regulated by, the Funeral Planning

Authority and adheres to its Code of Practice and high professional standards.

• We are passionate about customer care so you’re in safe hands – with a Perfect Choice Funeral Plan you

can be sure of the highest standards of help and advice, outstanding financial security and an exceptional

level of help and support for your family when the time comes.

“The National Association of Funeral Directors believes that

Perfect Choice Funeral Plans represents the most robust

and professionally managed funeral prepayment plan that is

available to funeral directors and their customers”

16 17

T A K I N G O U T A P L A N I S E A S Y

Simply follow these three steps to put your Perfect Choice Funeral Plan in place.

1 . Have a think about how you want to be remembered and decide what services you require.

2 . Next, choose whether you want to make a single payment or spread the cost and pay by monthly

instalments. (For payment by instalments terms and conditions apply).

3 . Finally, contact us to arrange a no obligation home visit, or make an appointment to call into our office.

We would be happy to discuss your requirements further, this can include:

• Whether you would prefer a burial rather than a cremation

• Whether you want a personal plan which can be tailored to your own wishes.

• Whether you want to buy a plan for someone else, or would like to set-up a joint plan, or want to pay in

instalments.

W H E N Y O U H A V E T A K E N O U T T H E P L A N

Once you’ve taken out your Perfect Choice Funeral Plan you will receive your welcome pack including your Certificate

of Entitlement which should be kept in a safe place. Simply let your family members know about your plan and then

relax knowing that all your affairs are in order for when the time comes.

G E T I N T O U C H

For help or advice with any aspect of funeral planning or to find out more about prearranged funeral plans please

contact us:

Crake and MallonF U N E R A L S E R V I C E

Crake and Mallon Funeral Service,

45 Norton Road,

Stockton on Tees,

TS18 2BU

Phone : 01642 611716

Email : info@crakeandmallon.co.uk

Website : www.crakeandmallon.co.uk

Beaufort House,

Brunswick Road,

Gloucester,

GL1 1JZ

Phone : 0800 633 5626 | Fax : 0345 601 0471

Email : perfectchoice@nafds.co.uk

Website : www.perfectchoicefunerals.com

16 17

T E R M S A N D C O N D I T I O N S(including Guaranteed Disbursements)

1 . G E N E R A L

Ecclesiastical Planning Services Limited (‘us’, ‘we’ or ‘our’) operate the Perfect Choice Funeral Plan (the ‘Plan’). The

Plan allows you to arrange and make financial provision for your own or another’s funeral before death occurs. These

Terms and Conditions apply to the Plan and form a binding contract between you and us along with the Application

Form. In these Terms and Conditions:

‘Application Form’ is the form you complete when applying for the Plan;

‘Certificate of Entitlement’ is the certificate provided to you by us confirming that you hold the Plan;

‘Charges’ means the charges for the Plan agreed to by you on signature of your Application Form;

‘Management Fee’ means the amount specified as such on the Application Form;

‘Plan Value’ is the value of the funds held in the Plan; and

‘you’ or ‘your’ is the holder and/or beneficiary of the Plan or your personal representative (as applicable).

2 . TA K I N G O U T A P E R F E C T C H O I C E F U N E R A L P L A N

2.1 You choose the style, cost and type of funeral required and apply for a Plan by completing and sending the

Application Form to us with payment of the Charges.

2.2 By sending an Application Form and payment of the Charges, you confirm that the information in the Application

Form is correct, you accept these Terms and Conditions and that you wish to enter into a binding contract with us to

provide you with the Plan.

2.3 If we accept your application (and we reserve the right not to) we will send you a Certificate of Entitlement

confirming your Plan. Our acceptance of your Application Form forms the binding contract between you and us.

2.4 Keep your Certificate of Entitlement in a safe place as it will be needed when making funeral arrangements. We

recommend that you let your next of kin know where you keep your Certificate of Entitlement.

2.5 If you lose your Certificate of Entitlement, or other relevant papers, you can obtain copies from us, however we

may charge for replacement.

3 . Y O U R F U N E R A L P L A N

3.1 We will provide the items and services set out in your Application Form and any accompanying plan details subject

to the provisions in these Terms and Conditions. Any upgrades or extra services that you ask for or need (for example,

if you die abroad) will be charged to your personal representatives by the funeral director. In such cases we will carry

out our obligations under the Plan as far as possible as long as your personal representatives have confirmed their

liability for any extra expense.

3.2 Your Plan may include an allowance towards third party charges. Third party charges are all external payments

which are outside the control of the funeral director. Provided that the funeral is conducted by Crake & Mallon your

Plan will cover the third party charges detailed in your Application Form in full.

18 19

3.3 If your Plan does not include an allowance towards third party charges these must be paid in full when the funeral

is carried out.

3.4 If you die overseas and are repatriated to the UK we will carry out our obligations under the Plan. If you are not

repatriated the Plan will be cancelled and you will be refunded as if you had cancelled under Clause 7.2.

3.5 You can make changes to your Plan at any time after full payment. You may need to pay more if you upgrade your

Plan or include extra products or services. We will tell you of any extra costs or refer you to the funeral director.

3.6 We will not be liable to arrange or pay for a funeral unless the Certificate of Entitlement is produced and the funeral

is carried out by a funeral director as specified in Clause 4.

4 . T H E F U N E R A L D I R E C T O R

4.1 The funeral director appointed when you submitted your Application Form, in this case Crake & Mallon, will

normally conduct your funeral.

4.2 If you move to a different area we will help you find an alternative funeral director to conduct the funeral. You may

be required to pay an additional sum when local costs are more expensive in the area you have moved to.

4.3 We will also help you find an alternative funeral director to conduct the funeral should the appointed funeral

director cease to trade before your funeral has been conducted. In such cases we will try to appoint another funeral

director without asking for an additional payment from you although we cannot guarantee this.

4.4 With reference to Clauses 4.2 and 4.3, if we cannot appoint an alternative funeral director we will pay the Plan

Value at the time of death to a funeral director that is chosen by you or your personal representatives. In this case the

funeral director may request an additional payment from you or your personal representatives.

5 . T H E S E R V I C E

5.1 Any details provided in the Plan literature are designed to give a general description of the services and goods to be

supplied. We will not be liable for any change in specification but goods and services will be of an equivalent quality

and suitability.

5.2 The appointed funeral director will carry out the funeral in line with recognised best practice and to the highest

standards in accordance with the Code of Practice of the National Association of Funeral Directors as applicable.

5.3 Third parties will provide some of the services detailed in the Plan (e.g. a crematorium). While we (via the funeral

director) will use all due care in the use of such services we cannot accept responsibility for any failure by such third

parties to meet any particular standard.

6 . P E R F E C T C H O I C E F U N E R A L P L A N F U N D S

6.1 The Charges (other than the Management Fee) will be used to buy a whole of life assurance policy. The whole of

life assurance policy will be owned by us for the purpose of providing the funeral. The Plan ensures that the funds

will be available to pay the funeral director without further recourse to you or your personal representatives (subject

to the provision of these Terms and Conditions). We will effect the whole of life assurance policy with a life assurance

company that is authorised by the Prudential Regulation Authority (PRA) and regulated by the PRA and the Financial

Conduct Authority.

18 19

6.2 By holding the funds in a whole of life assurance policy the Plan meets the requirements of Article 60(1) (a) of the

Financial Services and Markets Act 2000 (Regulated Activities) Order 2001.

7 . R I G H T T O C A N C E L A N D R E F U N D S

7.1 You may cancel the Plan within 30 calendar days of signing the Application Form. We will refund all payments

made to us in full. This does not affect any applicable statutory consumer rights.

7.2 If you cancel the Plan after 30 days, the amount of refund payable will be all payments made by you to us less the

Management Fee as specified in your Application Form.

7.3 Once a Plan is cancelled, we will have no liability under these Terms and Conditions.

7.4 You may only cancel your Plan by writing to us at the address below.

8 . O T H E R

8.1 At present, in the United Kingdom, the costs of providing a funeral are not subject to Value Added Tax (VAT).

If VAT becomes payable on funeral expenses we reserve the right to recover this cost from you or your personal

representatives.

8.2 The Plan is personal to you and cannot be transferred.

8.3 We will send any correspondence to whoever has been selected to receive it at the address shown on the Application

Form, unless a change of address has been notified to us.

8.4 You must notify us if you change your usual place of residence.

8.5 These Terms and Conditions are subject to English law and you and we submit to the exclusive jurisdiction of the

Courts of England and Wales for the resolution of any dispute arising from them.

8.6 We reserve the right to change the Terms and Conditions from time to time, for example if VAT rules change. We

will notify you of any changes that affect you.

9 . C O M P L A I N T S

9.1 If you have any complaint regarding the quality of the service or the items supplied in connection with a Plan, you

must contact the appointed funeral director and send a copy to us at the address below.

9.2 If you have a complaint about us, please contact us on 0800 633 5626 and we will deal with the complaint under

our written complaints procedure. If we cannot resolve your complaint you may then refer it to The Funeral Planning

Authority by calling 0845 601 9619. We are a Registered Provider of Funeral Plans and comply with the Rules and Code

of Practice of the Authority. www.funeralplanningauthority.co.uk.

Perfect Choice Funeral Plans, Beaufort House, Brunswick Road, Gloucester, GL1 1JZ

Perfect Choice Funeral Plans is a trading name of Ecclesiastical Planning Services Limited Reg. No. 2644860 which is

registered in England at Beaufort House, Brunswick Road, Gloucester GL1 1JZ.

EPS106/0216

20 PB