It gives peace of mind if and when you need it.
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.
When paperwork came through the post I didn't understand the paperwork so I phoned and spoke to a lovely lady she took me through the paperwork and did everything over the phone with she was very nice polite patient with me and really helpful i really enjoyed my experience
I find Mark Bates Ltd easy to deal with .Most times I call.I don’t have to queue for someone to talk to me.Their prices are very competitive and suit all my needs.Representatives are very friendly and knowledgeable it’s makes me feel comfortable knowing my insurance is in good hands.
Great customer service i even told my friends about Mark bates
Calm amd precise manner you handle the information for the year and it's cover
Excellent service staff polite price just right
Great peace of mind knowing the insurance is there
At 86 not clever with new technology but this company so kind , patient and understanding. At a price I can afford. Thankyou
Very good very happy for all the help with my mobility scooter insurance.
Easy to renew my policy.
A good product for peace of mind
Took out mobility scooter insurance. Very easy and straightforward process with reasonable price. After experiencing delay with additional equipment for scooter which meant that I couldn’t use it for awhile, have been given two weeks of free insurance. Helpful, efficient and polite member of staff on the phone.
great service and price
Very good value
Very helpful
The staff are friendly, knowledgeable and efficient. Always happy to answer any questions and advise.
Price is ok , never needed to use the service yet , staff when ever I’ve phoned seem polite and professional
An efficient and thoughtful reaction to the report of a deceased policy holder.
Great insurance company
Very helpful and quick to respond to any questions .
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.