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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
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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.
A helpful solution was found to keep my disability scooter insured until sold. Your Agent was most helpful, friendly and patient throughout. Excellent service.
Very good customer service. Very polite and efficient.
It was explained very well
Mark Bates rang n explained everything to me,I asked a few questions all were answered immediately, Very happy with them nothing is to much trouble. Thank u
I have always felt safe when out on my scooter knowing you were there to help thank you so much
Quick connection and good outcome to transaction.
Your service is very good and the price is very affordable.
The policy seemed to include all our requirements At a reasonable cost
Brilliant swift service
Immediate response to requests for information and action.
Very helpful
It was quick and easy to do thank you
Great service, quick to respond and reliable, great price that is affordable
I spoke to a very nice lady on your reception
A polite phone manner and good listener while listening to my queries, you were very helpful and reasured me on my decision to insure my items. Thank you.
Very quick and easy online cover.
Very friendly and Lee the delivery driver was really helpful and ran through everything with me again
Policy easily understandable and well constructed. Covered my needs and affordable. Staff knowledgeable and clear in explaining the policy cover.
Very helpful in every respect
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.