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The Individual Funeral Company

Lucy Coulbert.jpg
0.00 (4 reviews)
86 Rose Hill, Oxford OX4 4HX, United Kingdom
103-105 Rose Hill Oxford England OX4 4HT GB

Lucy Coulbert. Winner of the 2016 Low Cost Funeral Provider of the Year in the 2016 Good Funeral Awards with her second company, (see below), and joint runner up in the Modern Funeral Director of the Year 2016 category, Lucy is a one woman powerhouse on a mission to improve funeral provision in the UK. She’s also an exceptionally nice person.

The Individual Funeral Company is Lucy’s creation, she owns it, runs it and is the person who will care for you and your family from the moment you first pick up the phone (no matter what time of day or night that might be) and throughout the days that follow.

Warm, friendly and utterly normal, Lucy is the kind of person you instantly take a liking to. There’s nothing hidden, no faux sympathy or pretentiousness about her, just a genuine humanity and passion for getting it right for you. She doesn’t get in your way, nor does she try and impose anything on you. She meets you right where you are, unafraid and unflinching even with the most difficult or distressing of circumstances or the most complicated requirements. She’s genuinely there to serve every family who walks through the door, no matter who they are, and she gives the same dedication, support and care to each family she encounters.

The Individual Funeral Company opened in September 2013 – a culmination of years of planning and determination, and a massive leap of faith, as Lucy explains; “When I opened the business, I had less than a thousand pounds left in the bank, and a matter of weeks to find the money to pay the next quarter’s rent. But I knew I had to do it.”

Through a combination of sheer nerve, absolute belief in what she was doing and working evenings and weekends at a second job for two years, Lucy held on through the early quiet days, and gradually the unique quality of the service she provided began to pay off. Word began to spread about the small funeral director business that provided completely bespoke service at a very reasonable cost, and eventually Lucy was able to leave her second job to concentrate fully on funerals.

This didn’t mean that she slowed down, far from it. In fact in July 2015, she started a sister company to run alongside The Individual Funeral Company – Coulbert Family Funerals, a not for profit company set up specifically to help families who are applying to the Department of Work and Pensions for financial assistance with the costs of a funeral.

The two companies work hand in hand with each other, with The Individual Funeral Company donating £100 from each funeral carried out to Coulbert Family Funerals to help fund the costs of running a not for profit organisation. Coulbert Family Funerals is named after Lucy’s grandfather, an inspirational figure in her life, and it is a rare thing in the world of funerals. Often, large companies aren’t interested in helping people apply for a Social Fund Funeral Payment.

Under the Coulbert Family Funerals umbrella, Lucy not only assists with advice on completing  the application form, she works tirelessly on the family’s behalf chasing the DWP to get a response. And she sees no reason why people in receipt of a payment from the Social Fund shouldn’t receive the same care and support as every other family.

In Lucy’s own words, “We set out to genuinely help people who otherwise may not have been able to arrange the funeral themselves or would have been left with crippling debt. We are certain we can help anyone applying to the Department of Works & Pensions arrange a beautiful funeral and give your loved one the send off you can be proud of.”

This dedication to helping families who struggle to find the money for funeral costs led to Lucy being invited to give evidence to the Work and Pensions Select Committee in January 2016. Appearing alongside a representative from the National Association of Funeral Directors, Lucy spoke passionately about her frustration with the existing system that so often leaves families waiting for weeks not knowing whether they will receive any assistance, nor how much. Her appearance led to an invitation to meet Baroness Altmann,  the former Minister of State and a leading pensions expert and political campaigner to share her thoughts.

As a result of her contribution at the Select Committee and the subsequent media interest, Lucy continues to be sought out for her opinion on the as yet unchanged Social Fund Funeral Payment, and in 2017 she was invited to be part of the DWP working group seeking ways to improve the system. She is slightly bemused by this. “I don’t know how this happened,” she says, “Why am I the only person speaking up?”

It’s probably because Lucy is unlike many other funeral directors. She’s straight talking, fearless and take-it-or-leave-it honest. She’s also incredibly bright and very funny.

Her route to owning her own business and becoming the champion of struggling bereaved families is a tale of determination and dogged persistence. The daughter of a mortuary manager, Lucy knew she wanted to be involved with funerals from an early age, but as a people person she didn’t want to follow her mum into a career behind the mortuary doors.

At the age of 19, Lucy went to work for Co-operative Funeralcare and learned the basics of how funerals worked. She also met some amazing people who remain admired friends to this day, some even attending the opening of her business in 2013.

After a few years, Lucy made contact with Revd. Paul Sinclair of Motorcycle Funerals, the UK’s first motorcycle hearse service. She wanted to know if he’d offer a franchise to her, but instead was offered a job with him, and she spent the next four years driving up and down the country as one of his hearse riders.

It was a great opportunity, visiting different funeral director’s premises every day, and Lucy rapidly realised she was getting insight into both how not to do funerals, and how to do funerals exceptionally well. Everything was filed away in the back of her mind, and when she left Motorcycle Funerals for a brief tenure at another national chain of funeral directors, she spent most of her time working on her business plan for her own business.

The next couple of years were spent doing work wherever she could to keep the wolf from the door, all the time trying to get her business off the ground. Undeterred by setbacks (her bank had never given a loan to a startup funeral director before, and she missed the chance to rent the building she first identified), eventually, after driving around the area looking for somewhere suitable, Lucy saw the premises in Rose Hill, and The Individual Funeral Company had found a home.

Starting a new funeral director business is a risky thing, but Lucy held her nerve through the first months. “Social media save my a**e,” she says. “I didn’t have any money for advertising or marketing, but Facebook and Twitter were a way of letting people know I was here.”

The first funeral for The Individual Funeral Company came as a result of The Natural Death Centre recommending a family contact Lucy. The family lived miles away, and the funeral was in London – a baptism of fire that Lucy took in her stride, and since then things have gone from strength to strength.

Every funeral carried out is unique. Lucy is more than capable of organising a high profile, meticulously planned military style funeral if this is what you want – or she empower you to do as much of the funeral yourself as you feel able to.

Whether organising a ceremony in the Ashmolean Museum (the first time a coffin was allowed there) or carrying out a direct cremation with nobody attending, you can be certain that Lucy will be completely herself, and her attention, respect for the person who has died and determination to get everything right will be exactly the same. She’s completely honest and transparent and ethical, just exactly the sort of person you want to help you through the myriad of decisions involved in a funeral.

Her premises are bright and welcoming. We visited on a Saturday – you can do this by appointment if you want – and we walked past the closed shutters of the branch of Dignity three doors away as we approached. This seemed somehow symbolic. Since The Individual Funeral Company opened, the number of people using the Dignity branch has probably steadily diminished. The personal service that Lucy offers and her clear, transparent and fair pricing contrast completely with the central diary, central mortuary and lack of any mention of prices on the website that Dignity offer. “I encourage clients who are choosing a funeral director to pop up the road and ask for a quote”, says Lucy. “They’re usually back here within three minutes.”

The large windows and glass door spill daylight into the reception area, and a glimpse of Lucy’s desk can be seen at the rear of the building. It’s usually piled high with work related stuff. The window to the right of the door is used for displays – often including a coffin of some kind. When we visited, a lovely white woollen coffin was in the window with draped gold material providing a backdrop and pots of colourful anemones and grass providing a splash of colour.

On the right of the reception area is the arranging room, where a large black and white canvas portrait of Queen Elizabeth II smiles down. Furnished simply with a table and chairs, this room offers a space where you can talk in private about funeral arrangements. A curtained window between this room and the one behind allows daylight to filter into the modern, quiet room where you can spend time with the person who has died if you want to do so.

Lucy doesn’t believe in embalming unless it is absolutely necessary, so she encourages people to come and spend time sooner rather than later. Your relative will be laid on a wheeled bier on tray covered with a crisp white sheet, looking as if they are laid in a bed, and you can spend as much time with them as you want to.

Outside, Lucy has built a secure, locked cold room where she can look after several people at the same time. This ensures that all the space within the building is available for families to use, the best use of a small premises we’ve seen. Behind Lucy’s desk is a little kitchen area where she makes very good coffee, and a couple of cages alongside her workspace indicate the presence of her two beloved dogs, who are usually beside her when she’s at work.

Specific Gravity

Totally as it says in the name – your funeral will be a completely individual one. Lucy’s ethical way of working and her dedication to getting things right for you will ensure that if you choose The Individual Funeral Company you will get service and attention of the highest calibre, at an absolutely reasonable price.

What's Important?

Honesty, openness, personal service and doing whatever is needed to make the experience of arranging a funeral as easy as it possibly can be for you.

What's Different?

It’s Lucy herself that’s different. She’s the most likeable, kind person who doesn’t put on a front of any kind. She meets you where you are, and treats everyone with the same kindness and utmost respect. Some of the phrases used to describe Lucy by people she’s helped probably say more than we ever could:

‘ Lucy was an absolute rock for us: her compassion, sympathy, respect, practical advice and support were immeasurably appreciated by us all.’

‘Lucy was totally transparent about all costs and options so that we could make good, informed choices throughout. She was warm, personable and very professional.’

‘I will forever be grateful to Lucy for all her information, advice, support and guidance.  She was reassuring, supportive, kind and understanding. She drew together a funeral that was so nice, we will all have a good memory of that day.  She combined being very calm and professional with very caring and always gave just the right advice or support.’

  • Your first call will be answered by Lucy herself. Day or night, 365 days a year. If she happens to be out on a funeral when you call you might speak to Hannah, her sister.
  • Home visits – yes if that’s what you want.
  • Same sex person to wash and dress? Yes, if you want this.
  • Embalming? Not unless it’s absolutely necessary, and Lucy will advise you if this is the case. Otherwise she doesn’t believe in interfering with the body of the person who has died.
  • Ethnic specialism? Lucy is happy to work with people from every culture or background and is experienced in all types of funerals. If she needs to find out particular details to ensure that the customs are carried out correctly then you can bet she will do so.
  • Home arranged funerals – of course. Just let her know what help you need from her. You can pay by the hour for her time if need be, or per service required. See her website for details
  • Local celebrants – Lucy can recommend a few trusted quality celebrants for you to contact. She has excellent local connections with clergy as well.
  • Vehicle – The standard hearse available is a well cared for Volvo or Daimler, but Lucy has a very nice Land Rover Discovery which is increasingly being asked for as an alternative.
  • Website – Very nice website that accurately reflects the values of the company. Prices for the elements of bespoke funerals and the three pre-defined services available all online.
  • Client support – From the first moment of contact through to the days after the funeral, Lucy will be there for you. Many of the testimonials we have read referred to her becoming like a friend. You will always be welcome to drop in for a coffee and a chat if you’re passing.
  • Money matters – Transparent and very reasonable. Excellent value for the service you receive.
  • Parking – On the road outside or in nearby residential roads.

For a long time, we have been encouraging Lucy to apply for accreditation as a Good Funeral Guide Recommended Funeral Director, so it is with much delight that we are finally able to add The Individual Funeral Company and Coulbert Family Funerals to our list.

Lucy felt strongly that she wanted her premises to be ready for our visit, and it is now that her cold room is finished she felt that she was in a position to go through the accreditation process.

We are proud to now be able to include her in our listing. This woman is blazing a trail for strong, principled independent funeral directors throughout the land, and providing families she cares for with exceptionally good service. We highly recommend her.

The clue is in the title !

This week we held my mother’s funeral, which was truly individual, thanks to Lucy. She listened to what I asked for, and held my hand every step of the way. These days you can have exactly what kind of funeral you want, but you would not know this from looking at the big companies’ websites, which tend  to offer you Package A, Package B or Package C, and all at far higher cost than Lucy charges. I was knocked out by the rainbow willow coffin that Lucy found for us – my mum would have loved it ! Lucy trained us up to run the crematorium service ourselves and said she would not be there, but she could not stay away and wanted to make sure that it all ran smoothly (which it did, until we were not sure which exit to use !). I can’t recommend her too highly. What a service !

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A woodland burial
  • Katharine Wale reviewed 2 months ago
  • last edited 2 months ago

Dear Lucy

We met at the funeral of a close friend of mine.  The funeral was quite unlike any other I have been to – in part because we chose a woodland burial which gave an intimacy and informality to the occasion.  It meant a lot to me that you and your colleague managed to be both respectful but not stiff; friendly and supportive without being over-familiar.  I also loved the way you turned up in smart black clothes and a pair of wellies – essential clothing items  for a woodland burial on a damp winter day!

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Thank you

Dear Lucy

Just a little thank you for all your help and kindness throughout our recent bereavement.

This is an Isle of Man 50p, made for the TT of 1997, as a reminder to go to the Island when you get the chance! I believe the rider depicted is Joey Dunlop.

Enjoy the bickies – love and best wishes from Dave and Rosie and Willow the Woof

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  • Francis Marshall reviewed 4 months ago
  • last edited 4 months ago

Lucy came recommended by a friend and we have not been disappointed.  From the first moment nothing has been too much trouble.  Lucy is warm, friendly, detail driven  and compassionate. Nothing is too much trouble;  She said that we were to contact her day or night and as time was short we took her at her word and I did ring her with pressing questions late at night and at weekends; All of these she dealt with in a calm unruffled manner.  The Individual funeral company is  exactly what it says on the tin:- An individual funeral company with a bespoke, family oriented service on offer. In short we could not have imagined better.

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Reviews from the old GFG website

David Morgan

Wednesday 8th November 2017 at 20.18pm

I selected Lucy because she was recommended in this Guide. Ideally I should have met her before needing her services, but I needn’t have worried, because from that first phone conversation, which took place an hour after my cousin Ann died I knew we were in safe hands. Lucy and her mother arrived to take charge of Ann’s body promptly but with no rush. She took the time to find out about Ann and about us and our wishes. They treated Ann with the utmost respect, and acknowledged the part played by the team of carers from whom in a sense she was taking over. In the following days and weeks all our contacts with Lucy were professional but compassionate. She led us through the choices we needed to make, the administration and financial details, always seeming to know when to give us time and when to give us a deadline. This meant that by the time the day of the funeral arrived, everything was exactly as we had wanted and planned. This is not chance. This is teamwork between family, friends and an experienced, dedicated funeral director which Lucy is. If you have got as far as reading this it is probably because you need or expect to need a funeral director. I can only say that if you choose Lucy Coulbert you will not be disappointed. As her business name implies, she will treat you and your loved one as individuals. You only get one shot at this. Don’t be distracted by flashy adverts or household names – take my recommendation, and that of all those who helped me plan the funeral. We struck gold when we dialled Lucy’s number.


Lucy Coulbert

Thursday 9th November 2017 at 15.37pm

We are really overwhelmed and grateful for all of your kind words David. It really means a lot to us.


Dominic Goslett

Tuesday 24th October 2017 at 12.58pm

I could not recommend Lucy and her team highly enough.. She is diligent, considered, responsive and so understanding. Lucy will guide you seamlessly through the process and make you aware of every detail taking ownership as and where needed. I love to support local people running a local business and am so glad we did. Thank you Lucy!!!


Doreen Noel

Saturday 21st October 2017 at 09.57am

Thank you for being so helpful and kind Lucy everything ran so smoothly and if a funeral can be good my husband’s certainly was. My family and I are very grateful to you for all your help.


Lucy Coulbert

Tuesday 24th October 2017 at 12.44pm

Thank you for taking the time to leave a comment Doreen. We all really appreciate it.


David Lewis

Thursday 19th October 2017 at 13.40pm

Lucy provided professional excellence, with personal and caring attention to all details however small.
Dependable, quick to respond and explain in a simple and clear manner. Everything went smoothly making Uncle Harold’s funeral feel unique and special.
Thank you very much Lucy.
David, Sue & Abdul.
We would recommend the Independent Funeral Company without hesitation.


Lucy Coulbert

Tuesday 24th October 2017 at 12.43pm

Thank you David. We really appreciate you leaving these comments for us.



Friday 29th September 2017 at 06.19am

Dear Lucy
I just wanted to thank you so much for all your amazing help with Dad’s funeral. Everything went so smoothly and it was a really beautiful service.
We all appreciate the way you have dealt with us with kindness and professionalism throughout which has made the whole process so much more bearable.
Best wishes and thanks again,



Lucy Coulbert

Thursday 19th October 2017 at 10.23am

Thanks so much Rachael. We really appreciate your kind words.


Mary Pegler

Monday 3rd July 2017 at 20.36pm

I telephoned The Individual Funeral Company in a fog of grief and ignorance, and Lucy took the mystery out of the funeral business for me.  She explained the options clearly and allowed me to take control of the personal aspects, with a few gentle nudges of guidance.  I so appreciated her swift email responses to my worries, throughout the process, and the professionalism on the day, itself.  Oh, also saved myself about £1000, compared to the big institutions. Mum would have approved!


Lucy Coulbert

Monday 24th July 2017 at 09.48am

Thanks for taking the time to leave a comment Mary and they are very much appreciated.
I am so glad you felt you were able to do all the things you wanted to do. After all, that is what made the service so personal to you and your family.


Mrs Diane Loveridge

Sunday 14th May 2017 at 14.32pm

Hi Lucy, sorry bit late commenting. Thank you very much for your help in what was almost a DIY funeral for our wonderful much loved Dad/Father-in-law/Grandad. The help you gave us made it very possible for us to do most things our self’s which made us feel we looked after him till the end. The coffin was lovely and many people said so. As your  write up above said, you are very friendly/helpful/genuine caring lady. Again thank you so much for all you did for us. Diane and Vince. x


Lucy Coulbert

Thursday 18th May 2017 at 13.40pm

You are more than welcome Diane. I am glad it all went without a hitch and you did everything your way.
Best wishes to you all.


Therese Sove

Wednesday 3rd May 2017 at 10:32 pm

Lucy made a big difference in planning my daughter’s cremation and delivering the urn to my hotel in London. She is so professional and went out of her way to make sure I made my flight back to the USA. We were vacationing in England when my daughter suddenly died in her sleep the 1st night. It was a very bad time right before Easter and everything was closed down for pretty much 6 days. Lucy communicated with me and got all completed. thank you Lucy


Lucy Coulbert

Friday 5th May 2017 at 09.20am

We very much appreciate your comments and I am just glad everything worked out so you could fly home safely with your daughters ashes.
Our very best wishes to you.


Carrie Ryan

Monday 6th March 2017 at 10:24 pm

Way to go Lucy, it’s fantastic to see you being credited for the amazing work you do! My grandad and I will forever be grateful to you for your time and dedication with nans funeral. You rock!


Lucy Coulbert

Tuesday 7th March 2017 at 8:49 am

Thank you so much for your kind comments Carrie. They really are very much appreciated.

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