Any repatriation/undertaker/funeral costs are automatically paid out of the deceased's estate by the probate solicitor, so funeral plans are unnecessary plus companies move or change their T&Cs over the years with the onus on the policyholder to keep track of the company (you'd think it should be the other way round). T&Cs may also change due to new or amended laws and regulations e.g. during Covid.

Also, funeral plans tend to be very local. What if the policyholder moves or changes their mind about the arrangements they want? - don't expect to get anything like pro rata cost back, if at all.

Undertakers send their invoice to the probate solicitor as a matter of routine. The funeral costs are one of those things probate solicitors are allowed to deduct from the estate immediately.