Terms & conditions
Instructions for Next of Kin or Executors When Death Occurs
When death occurs please contact us via the 24 Hour Bereavement Helpline Number detailed, on the plan certificate/plan cards you have, you will be in touch with a professional who knows what to do – they will arrange and advise on any immediate steps to be taken.
In these conditions the words listed below shall have the following meanings unless the context otherwise requires: The Company means Iberian ServiciosFunerarias SL and its corporate bankers BBVA (who hold client payments).
Plan Holder/Customer means you or, where you are purchasing the Funeral Plan or Funeral Services for the benefit of some other person, that other person.
Order shall mean an order/instruction for the provision of professional services in respect of the supply/arrangement of a funeral or funeral plan.
No contract shall exist between you – the client and the Company until the plan application/order has been signed and dated on behalf of the Company to indicate its acceptance of the proposal. This this will be the date of the Plan/order.
Signing of our application form/order form implies acceptance of our terms and conditions.
Upon acceptance the Company will issue you with plan documentation/order details including a membership certificate and plan cards or reference number which will identify the plan/order and provide an emergency telephone number in the event of the death of the Plan Holder or direct contact to IFS in respect of a funeral service. This number should only be contacted in the event of death – all other queries should be directed to the office number detailed on your financial statement.
Obligations of the Company
Upon payment for the Plan of the sum shown in the Agreement the Company will provide or procure the services stipulated in the Plan (when required) or order upon the following conditions and subject also to the exclusions and limitations detailed below. If any of the Services stipulated in the Plan are unavailable at the time of the funeral the Company will ensure that substitute services are provided which are as near as practicable equivalent to the services stated in the Plan.
Exclusions and Limitations
The funeral service will be held within 24/72 hour’s for a Basic Plan at the funeral director’s discretion or if a Basic Plus Plan at a time convenient to the representatives of the plan holder, subject to availability of the funeral director, and facilities.
For Plans which provide for cremation, no further charges for disbursements will be made except in any of the specific instances referred to below. Should any of these apply then additional charges will be due from you or your Personal Representatives (or other person who arranges the funeral) to the Funeral Director in accordance with their payment terms. These are as follows:-
If the Plan Holder uses or specifies an alternate crematorium or Funeral Director other than those of IFS and its contracted facilities and if the costs are greater than our contracted costs then the additional charges will be levied to the family..
Any legislative/fiscal amendments which may affect the price and which are outside of our control.
For plans which provide for Burial, The Company shall be responsible for provision of service as specified BUT the plan price excludes purchase of the Burial Plot or Niche together with the on-going rental of the niche/plot. (Charges for disbursements shall apply as above in cremation).
The funeral service will be arranged in accordance with the specified plan/order or at a time convenient to the Personal Representatives of the Plan Holder, subject to the availability of the Funeral Director. An additional charge may be due to the Funeral Director in accordance with their payment terms should the Plan Holder’s Personal Representative (or other person who arranges the funeral) require the funeral to take place at a weekend or public holiday.
Change of Address/Funeral Director
The Plan provides for the funeral to be conducted by the contracted Funeral Director. If the Plan Holder nominates their own funeral director then additional charges may be due and must be settled by the plan holder’s representative prior to provision of service. If the plan holder changes their permanent address you must notify the Company whereupon the Company will have the right to nominate an appropriate alternative Funeral Director.
Dual Certification is included in Iberian Servicios Funerarias plans as detailed in the plan benefits and enables the plan holder to enjoy plan benefits both in Spain, islands or any other EU Country, where the plan member provides a secondary address/residence that is registered with the company. The plan benefits included in all Iberian plans are transferable to another EU Country (subject to exclusions and limitations listed above) should the plan member relocate their permanent residence and also subject to procedures on death of plan holder (below). It is the plan holder’s responsibility to notify the Company of this change of residential status to ensure service. There are certain changes to the plans with regards to provision of service outside of Spain – The cost of the funeral plan or funeral service includes the funeral director’s professional fees/charges it also includes certain disbursements. Disbursement costs that are covered/guaranteed on plans carried out in Spain, are not guaranteed outside of Spain but become a contribution to the disbursement costs at the time of provision of service.
For plans which include Dual Certification where the service is carried out in another country other than Spain it should be noted
A)In some countries a funeral service is less than the cost in Spain. Therforeif death occurs outside of Spain and Dual Certification is registered withIberian ServiciosFunerarios SL we would refund the balance of the FuneralPlan after deduction of the Companies administration fees and cost offuneral in that country.
- B) In other countries the cost is greater than Spain and the Plan cost would bea contribution to the cost of the service in that country, less the Companiesadministrationfee.
Payment by Instalments
As an alternative to making a single payment (Required where the order is for the provision of funeral services) you may if you wish to pay for your funeral plan by Instalments (Maximum period 60 months). Instalments may be paid monthly, quarterly or annually, if you have selected the Instalment Option your payments should be shown on the Application Form and our invoice/statement. If regular payments are not made in accordance with the plan agreement or payment is not completed within the maximum period of 60 months, the Company reserves the right to apply interest at 8% per annum of the original plan price.
If the Plan has not been cancelled or instalments completed, then in the event of the death of the Plan Holder before all the instalments are paid the Company will dependent on the plan taken out produce a final balance for settlement or confirmation of proposal for payment of the final balance prior to provision of service, should settlement / confirmation not be advised to the company then the company has the right to postpone the service until such time as the balance is paid or confirmation received with regards to payment, any additional day’s mortuary fees, as a consequence, will be charged or alternatively the Company has the right to contribute towards the costs of the funeral – by calculating the administration fee of the plan and deducting this from the monies received by the Company for the plan which will be the contribution. Failure to maintain the agreed payment structure will result in reduced benefits or cancellation of the plan.
Procedure on Death of Plan Holder
As soon as the Company has been informed of the death of the client and been given such information as is necessary, together with confirmation that the client has been confirmed as deceased by a medical practioner and the appropriate certificate issued –Iberian Servicios Funerarias will undertake the funeral in accordance with the Specified Plan/Order and Options (if any). Upon death our helpline number as specified on the cards provided must be phoned. It is the customer’s responsibility to phone the bereavement line number, you will be in contact with Iberian Servicios Funerais – in the event that this number is not contacted additional costs may be incurred or service declined. Only the documentation presented by the company or their representative should be signed (no other documents should be signed by you). If you sign documents not presented by our funeral director you are legally bound by that signature and no refund or payment towards the difference in costs will be paid by the Company.
Whether you are paying for the Plan by instalments or in a lump sum you or your Personal Representatives have the right to cancel the Plan upon giving to the Company written notice to this effect within 14 days after the Company has signed the Agreement and issued a membership certificate. All payments made to the date of termination will be repaid to you or your Personal Representatives (without interest). After the said 14 day period, you or your Personal Representatives may request the Company to refund the cost of the Plan (if paid for in full) whereupon the Company will refund the amount paid less the Administration Charge of 20% of the value of the plan.
All sums received by the Company constitute a pre-payment towards the cost of the funeral described in the Plan or order for the provision of Funeral services in accordance with the provisions of these Terms and Conditions and are deposited with Our Bankers, (BBVA) into the funeral directors account (FDA).
Neither you nor (if different) the Plan Holder nor your respective Personal Representatives shall be entitled to any interest on or income from any part of the sum paid to the Company in connection with the Plan and any right which you or your Personal Representatives may have to any refund of sums paid are governed strictly by the terms of this Agreement. The Company shall have no further obligations to you, the Plan Holder (if different) or your respective Personal Representatives, whether financial or otherwise, save as expressly set out in these Terms. You may not assign your rights and obligations under the Agreement. Any notice or other information required or authorised by these Terms shall be notified giving you seven day’s prior notice if and when it becomes necessary or appropriate to do so in order for us to comply with legal, fiscal or regulatory requirements.
The administration charge on all plans is included in all the prices quoted but is equivalent to 20% of the overall cost of the funeral plan.
Date 1st June 2016
Reg/Cif IFP-Iberian ServiciosFuneraria SL 510037275
IFP – Iberian Group (510037275 )incorporating Iberian Funeral Plans SL & LDA, Iberian ServiciosFunerarias SL and SPN Funeral Plans SL and LDA: