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


All-round protection for your memorial from just £6.20 a year

What is 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.

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.

How much does it cost?

These premiums are for a five year period, for memorials installed in UK cemeteries and churchyards and include insurance premium tax at the current rate. 

Just request StoneGuard insurance when ordering your memorial.

Value of Memorial Premium

Up to £400


£401 - £500


£501 - £600


£601 - £750


£751 - £1000


£1001 - £1250


£1251 - £1500


£1501 - £1750


£1751 - £2000


£2001 - £2500


£2501 - £3250


For memorials valued at over £3250, please contact us for a quote here


(*Bridge Insurance Brokers Limited, Cobac House, 14-16 Charlotte Street, Manchester, M1 4FL.

Registered in England No. 996284.  Authorised and regulated by the Financial Conduct Authority.

Member of the British Insurance Brokers Association.)

Do you want to place an order or want more information?