Memorial Stone Insurance
Protect what’s priceless — because memories deserve to last.
With cover available for up to 5 years, securing your memorial stone’s future is just a few minutes away.
Includes damage caused lawnmowers, falling tries and subsidence. You are covered for the cost to repair or replace it.
Includes deliberate harm caused by others. If the headstone is defaced by graffiti or knocked over by vandals, you are covered for the full repair or replacement.
Covers the cost of re-levelling the memorial if it becomes uneven or unstable over time. If ground movement causes the headstone to tilt forward, your policy pays up to £500 to correct this.
The cost to repair the memorial stone or replace it entirely depending on the extent of the damage.
Policies are available for 1, 3, or 5 years. You save money by choosing a 3 or 5-year term instead of a standard annual plan.
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Why headstone insurance matters
A memorial stone is more than a marker — it’s a place for families to visit, reflect, and remember. Over time, exposure to the elements and the risk of damage mean even the most carefully crafted headstones aren’t immune to harm. Headstone insurance offers protection against these unexpected costs, giving you practical and financial reassurance.
Sadly, vandalism in cemeteries still happens. Graffiti, toppling, or impact damage can leave a memorial needing significant restoration. Accidental damage can occur too — from maintenance equipment, visitors, or nearby work. This insurance helps cover the repair so the memorial can be restored quickly.
Over time, soil shifts and settlement can make headstones lean or become uneven. Most cemeteries require these to be corrected for safety reasons, which can be costly. The policy includes re-levelling cover to handle these situations.
Memorials are intended to last for generations. Having memorial insurance means you won’t face unexpected bills if something goes wrong. It’s a simple way to preserve the place you visit to remember and reflect.
Why Mark Bates Ltd?
Mark Bates Ltd is built on a commitment to exceptional customer service, a supportive people-first culture, and a drive to offer innovative, customer-focused insurance products that stand out from the rest.
We put our customers at the heart of everything we do. With a 5-star Trustpilot rating, we’re committed to delivering on our promises and building long-term loyalty through service that exceeds expectations.
We foster a supportive and positive working environment where every individual is valued. By recognising strengths, understanding challenges, and investing in training and development, we help our team thrive.
We believe insurance should work better. That’s why we design innovative, accessible products with real value—always with the customer’s best interests in mind.
FAQ
If you’ve paid for a memorial stone, you’re responsible for its upkeep. Without insurance, any damage or repairs must be paid privately.
Prices vary depending on the value of the stone and location, but most policies are inexpensive compared with the cost of replacement.
Yes — many cemeteries require unstable headstones to be re-fixed for safety reasons. This cover helps with those costs.
Headstone insurance protects against accidental damage, vandalism, and re-levelling costs if the memorial becomes unstable. It also covers the repair or full replacement of the stone up to the insured value. Wear and tear, natural ageing, and damage caused during cleaning or restoration aren’t included.
Yes. Memorial stone insurance is available for both new and existing headstones, as long as they’re in good condition when cover starts.
Yes. The policy covers deliberate damage such as graffiti, defacement, or a stone being pushed over. Repair or full replacement is included up to your insured amount.
Yes. If ground movement causes the headstone to lean or become unstable, the policy covers re-levelling costs up to £500 per claim, to a maximum of £5,000 during the policy term.
Cover is available for most memorials, but very old or listed stones may require assessment to confirm value and condition before the policy is arranged.
Home insurance rarely includes memorial stones, as they’re not part of the property. Dedicated memorial insurance is the correct way to protect against damage or loss.
Responsibility lies with the family or person named on the cemetery’s memorial ownership record. Cemeteries rarely insure individual stones.
This policy is underwritten by SAGIC — The Salvation Army General Insurance Corporation — providing reliable, UK-based protection backed by ethical principles.