Excellent value and easy to renew.
Memorial Stone Insurance
Memorial Stone Insurance from Mark Bates Ltd helps protect your loved one’s headstone from damage or loss. Cover includes accidental damage, vandalism, and re-levelling, giving you reassurance that repairs or replacement are taken care of.
Or call 01476 851862
Rated Excellent
TrustScore4.8
Headstone cover for 1, 3 or 5 years. Getting a quote takes a few minutes.
With cover available for up to 5 years, securing your memorial stone’s future is just a few minutes away.
Accidental Damage
Includes damage caused by lawnmowers, falling trees and subsidence.
Malicious or Vandalism Damage
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.
Re-levelling
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.
Repair or Replacement
The cost to repair the memorial stone or replace it entirely depending on the extent of the damage.
Multi-Year Savings
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.
Get A Quick Quote
You will need the following information
The cost of the memorial stone
The cemetery the memorial stone is located in
* denotes a mandatory field.
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Still need more information? Please call us on 01476 851862
Why headstone insurance matters
A memorial stone is more than a marker. It's a place for families to visit 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.
Vandalism and accidental damage
Sadly, vandalism in cemeteries still happens. Graffiti, toppling, or impact damage can leave a memorial needing significant restoration. Accidental damage happens too, from maintenance equipment, visitors or nearby work. This insurance helps cover the repair so the memorial can be restored quickly.
Ground movement and re-levelling
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.
Peace of mind for the long term
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.
Rated by our customers
More than 22,000 customers have reviewed us on Trustpilot, with an average score of 4.8 Stars, that's first class service!
A UK team, start to finish
Sales, customer service and claims all sit in our Grantham head office. When you call, you speak to someone who knows your policy.
Cover built for how you live
Our policies are designed around the equipment, homes and working arrangements our customers have, not adapted from general cover.
What our customers say
Independent reviews collected by Trustpilot.
So easy to review online and the provide access to carers training. Reminder sent well in advance to allow time to shop around. Great products well explained.
Knowing i am insured is a load off my mind .Should i break down or scooter stolen covered for anything that may happen.Great thing also for me no worries paying ,just a direct debit each month ,then forget about till next year .Great !
I have insured 3 of my scooters i also now insured my home.
Over the years ALL of the people l have spoken to have been so helpful and very professional.l have recommend Mark Bates every time and when l say who l'm with my clients are very impressed as they know Mark Bates to be very good.
They are very helpful and caring
The people at the company are very friendly, helpful and giving full attention.
The staff were very helpful.
Quick and easy.
Very polite. professional staff
It was really easy to sign up.
They was very helpful in every way.
Because the whole transaction took only a few minutes.
I found this company to be honest, reliable, and helpful. A pleasure to-do business with.
Good have insurance on my mobility scooter. It cost a lot of money to buy so it’s great to know I’m covered if anything should happen and it is a great price to insure.
I have been a custermer with mark bates and I would not deal with any one else he has always helped me when I need him great company I would not deal with any one else great company always there when I need him he has helped me many times great company to deal with always
First experience with the company,so can’t comment as yet.
Always helpful , and good advice
Quick and easy to take out my insurance, very helpful with my queries
prompt and efficient service
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. A memorial stone policy covers the stone itself 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). A UK-based protection backed by ethical principles.