�8000 is exceptionally high for a funeral.
I don't know why anybody would expect a 'funeral payment' - that is why all those ads are on television 'save for your funeral' and so on.
You can do it yourself, of course. Buy a flat pack cardboard coffin, around �40, transport it to the crematoria in the back of the car and pay basic cremation fees (maybe �400), pay for the certificate of cremation (around �15) or dig a hole and bury your loved one in the back garden, which is perfectly legal.
Death certificates have to be paid for, of course, but that is not a huge amount.