No, i don't have one but my sister does. she didn't want the burden to fall to her kids..
She wanted to get one a few years ago and me and my mum sort of put her off.. Anyway, it was still on her on her mind and she bought one just a few months ago and the the funeral plan has increased.. she said we should have left her to it and it would have been a hundred pound cheaper.
Apparently the woman at the funeral place says the prices of funerals are going up at such a rate its better to have one in place because who knows what it will cost in a few years time and
Another reason she says its because it takes all the worry out for the family thinking about what she would have wanted etc, etc.