Memorial Insurance

You’ll certainly care for the grave of a loved one. But who will safeguard it if damage happens over the years?

Subsidence and accidental damage can happen, and nobody needs the inconvenience of paying to get things put right. StoneGuard can insure against damage, from minor repairs to total replacement, all from as little as £6.20 a year. For a little more peace of mind when extra worry is the last thing you need.

Who provides StoneGuard?

StoneGuard has been the original and leading memorial stone insurance for over 35 years and is exclusively available through Bridge Insurance Brokers Ltd, underwritten by Royal & Sun Alliance Insurance Plc.

What’s protected with StoneGuard?

StoneGuard is an ‘all risks’ policy. This means it will cover the cost of repair if things like damage from lawnmowers, falling trees and subsidence occur; or preventative measures taken by local councils when they judge a memorial stone to be unsafe and you are responsible for putting things right. With StoneGuard, you’ll get the reassurance that your memorial is covered against:

  • Accidental damage, including vandalism (malicious damage)
  • Storm
  • Theft or attempted theft
  • Impact (e.g. by a mower)
  • Flood and frost
  • Falling trees
  • Subsidence
  • Staining other than by natural weathering caused by tree sap, bird or animal droppings, or flowers
  • Council action

It also covers you against damage to or re-fixing and realignment of the memorial stone directly arising from faulty or defective workmanship by any stonemason whose business has ceased trading. Plus, legal responsibility to pay damages up to £2,0000,000 arising from ownership of the memorial which results in accidental injury of any person or damage to property. With StoneGuard you’ll also have access to our dedicated customer care helpline.

What does StoneGuard cost?

These premiums are for a five year period, for memorial stones in UK cemeteries and churchyards. All figures below are inclusive of insurance premium tax at the current rate.

Value of Memorial Stones
Premium
Up to £400
£31.00
£401 – £500
£38.00
£501 – £600
£43.00
£601 – £750
£52.00
£751 – £1,000
£63.00
£1,001 – £1,250
£77.00
£1,251 – £1,500
£92.00
£1,501 – £1,750
£108.00
£1,751 – £2,000
£124.00
£2,001 – £2,500
£151.00
£2,501 – £3,250
£177.00
£3,251 – £4,000
£224.00
£4,001 – £4,750
£268.00
£4,751 – £5,500
£309.00
£5,501 – £6,250
£350.00
£6,251 – £7,000
£393.00
£7,001 – £8,000
£448.00
£8,001 – £9,000
£505.00
£9,001 – £10,000
£560.00