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You've just taken the first step — contacting a funeral director.
See the full checklistLeave your number and Colin Phillips Funerals Ltd will call you back.
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Ready to speak to someone? A free, no-obligation call can help you understand the next steps.
If anything has changed, a quick call with a specialist can confirm.
A quick call with a specialist can help you figure out what applies.
Question of 3
Did the person who died own a property?
Including any property in their name, even if jointly owned.
Were there savings, investments, or other assets?
Bank accounts, shares, pensions, or valuables above a few thousand pounds.
Was there a will?
Even if you're not sure where it is, knowing one exists can change the process.
This can feel overwhelming, but you don't have to figure it out alone. A probate specialist can walk you through the next steps — no obligation, no pressure.
That's one less thing to worry about. If anything changes or you'd like a quick confirmation, a specialist can put your mind at rest.
Many families don't have all the information straight away — that's completely normal. A quick chat with a specialist can help you understand what applies to your situation.
What the probate process looks like
Apply for Grant of Probate
Collect assets & close accounts
Pay debts & tax
Distribute the estate
A specialist handles all of this for you.
Trusted by thousands of families across the UK
You probably don't need to pay for the funeral yourself
The estate will likely go through probate, which means the funeral costs can be paid from the estate. You need a probate specialist to make this happen.
Sail Probate · Fixed fees, nothing upfront
Probate might not be needed
That means the funeral costs probably can't be covered this way. But every situation is different — a quick chat can confirm.
We need a bit more info
Don't worry — lots of people aren't sure at this stage. A quick chat can work out whether the funeral costs can be covered.
Want to talk it through?
Free, no obligation.
Want to check with a specialist?
Free, no obligation.
Want to find out for sure?
Free, no obligation.
Sail Probate · Trusted by thousands of families
A specialist will call you soon
Free, no-obligation advice from Sail Probate
What happens next
Request received
Just now
A specialist reviews your details
Within 1 hour
You'll receive a call
Within 24 hours
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
Result saved
If you need help later, call Sail Probate free:
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
We'll give you a call
A Sail Probate specialist will talk you through everything and answer any questions.
Interested in: We handle everything (£6,000)
Interested in: Just the probate application (£1,000)
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
No problem
If you'd like to talk about probate or funeral costs, call Sail Probate free:
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
Colin Phillips Funerals Ltd is a well-established, family-owned independent funeral directors based at 4 Morgan Street in the centre of Cardigan, Ceredigion. With over 25 years of experience serving bereaved families across Ceredigion, Pembrokeshire and Carmarthenshire, the business has built a strong reputation for providing a caring, understanding, dedicated and professional service to the local community.
The business is led by Colin Phillips, a former journalist who became a funeral director over 30 years ago, and is supported by his daughters Lowri and Leah, along with a dedicated team of staff. Operating a highly professional and bilingual service, the team takes an empathetic approach throughout every aspect of the funeral process. They are available 24 hours a day, every day of the year, ensuring families always have access to guidance and support when they need it most.
At Colin Phillips and Daughters, every funeral is tailored to reflect the wishes and life of the person who has died, from selecting flowers to choosing a memorial. The team prides itself on avoiding the impersonal approach of corporate funeral companies, instead offering a flexible, community-focused service that puts the needs of local families first. The business is also a member of NAoFD and offers pre-paid funeral plans.
"His efficiency and availability to answer any of our queries made the whole proceeding much easier and smoother both times. I would highly recommend him and regret that we cannot use him to organise funerals for other family members who unfortunately don't live in Ceredigion."
— Kathryn Silvestre (about Colin)
"Colin is a genuinely really nice guy, and extremely friendly, and puts your mind at ease over all aspects concerned, as does Lowry too. Dignity, respect and compassion throughout."
— James Hadland (about Colin, Lowry)
"At a sad and difficult time in our lives, Colin has been a tremendous help and comfort to my family and me. His wealth of experience, the care, compassion, respect and dignity he demonstrated throughout, and the fact that he is friendly and approachable, have helped us tremendously as we navigated and continue to navigate through our journey of grief."
— Sue Bastock (about Colin)
Colin Phillips
Owner and Funeral Arranger
"At a sad and difficult time in our lives, Colin has been a tremendous help and comfort to my family and me. His wealth …"
Dianne Thomas
Funeral Assistant
Dianne has been working with the company for over 20 years and is an integral member of the team, having also worked as…
Leah Evans
Office Manager
Colin's daughter Leah joined the business in 2024, bringing experience as a former staff nurse and school nurse to her …
Lowri Evans
Funeral Arranger
Colin's daughter Lowri joined the business in 2014 and is also a qualified beauty and massage therapist, bringing fresh…
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Ready to speak to someone? A free, no-obligation call can help you understand the next steps.
If anything has changed, a quick call with a specialist can confirm.
A quick call with a specialist can help you figure out what applies.
Question of 3
Did the person who died own a property?
Including any property in their name, even if jointly owned.
Were there savings, investments, or other assets?
Bank accounts, shares, pensions, or valuables above a few thousand pounds.
Was there a will?
Even if you're not sure where it is, knowing one exists can change the process.
This can feel overwhelming, but you don't have to figure it out alone. A probate specialist can walk you through the next steps — no obligation, no pressure.
That's one less thing to worry about. If anything changes or you'd like a quick confirmation, a specialist can put your mind at rest.
Many families don't have all the information straight away — that's completely normal. A quick chat with a specialist can help you understand what applies to your situation.
What the probate process looks like
Apply for Grant of Probate
Collect assets & close accounts
Pay debts & tax
Distribute the estate
A specialist handles all of this for you.
Trusted by thousands of families across the UK
You probably don't need to pay for the funeral yourself
The estate will likely go through probate, which means the funeral costs can be paid from the estate. You need a probate specialist to make this happen.
Sail Probate · Fixed fees, nothing upfront
Probate might not be needed
That means the funeral costs probably can't be covered this way. But every situation is different — a quick chat can confirm.
We need a bit more info
Don't worry — lots of people aren't sure at this stage. A quick chat can work out whether the funeral costs can be covered.
Want to talk it through?
Free, no obligation.
Want to check with a specialist?
Free, no obligation.
Want to find out for sure?
Free, no obligation.
Sail Probate · Trusted by thousands of families
A specialist will call you soon
Free, no-obligation advice from Sail Probate
What happens next
Request received
Just now
A specialist reviews your details
Within 1 hour
You'll receive a call
Within 24 hours
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
Result saved
If you need help later, call Sail Probate free:
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
We'll give you a call
A Sail Probate specialist will talk you through everything and answer any questions.
Interested in: We handle everything (£6,000)
Interested in: Just the probate application (£1,000)
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
No problem
If you'd like to talk about probate or funeral costs, call Sail Probate free:
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
Get in touch
Call 01239621192We'll call you back
Colin Phillips Funerals Ltd will be in touch shortly.
You've just taken the first step — contacting a funeral director.
See the full checklistLeave your number and Colin Phillips Funerals Ltd will call you back.
Free, no obligation. We'll pass your number to the director.
You've completed of 18 steps on the bereavement checklist.
Continue your checklist18 things to sort when someone dies — keep track so nothing gets missed.
See the full checklist
What to wear to a funeral in the UK: traditional expectations, modern dress codes, religious variations, what not to wear, and guidance for children.
The average cost of a funeral in the UK is £4,141. This guide breaks down every fee, explains regional differences, and shows you how to manage costs without compromising dignity.
From cremation to burial, discover what UK funerals really cost in 2026 — including a full breakdown of funeral director fees, disbursements, and regional price differences to help you plan with confidence.
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