Memorial Stone Insurance

STONEGUARD ® has been the original and leading Memorial Stone Insurance for over 25 years and is exclusively available through Bridge Insurance Brokers Ltd and underwritten by Royal & Sun Alliance Insurance Plc.

The STONEGUARD ® Memorial Stone Insurance is an “All Risks” policy including Vandalism, Impact, Subsidence, Theft and Storm, ensuring that any damage to the grave of a loved one is rectified very quickly – from minor repairs to total replacement.

It is a sad reflection on today’s society that many memorial headstones suffer wanton vandalism or are accidentally damaged. The cost of this long established insurance scheme can be as little as £5.60 per year, on a renewable 5-year term.

Examples of claims include:

What happened:   Where: Claim Paid:
Graffiti Glasgow £419
Vandalism Devon £4640
Storm Essex £1575
Falling tree Surrey £1056


Arranging a quotation or cover for this valuable protection is an easy process.
Please contact us on 0151 228 5616 or fill out the enquiry form and we will give you all the information you require.

Summary of Cover

The information below is only a summary of the cover provided. For full terms and conditions of the cover please refer to the policy document which is available for downloading on this page.

STONEGUARD ® cover is arranged exclusively by Bridge Insurance Brokers Ltd and is solely underwritten by Royal & Sun Alliance Insurance plc.

Cover is provided for a five year period for “All Risks” of loss or damage to your memorial headstone up to the replacement cost. Cover is also provided for liability in respect of injury to members of the public up to a limit of £2,000,000.

Significant Exclusions

The insurance does not cover depreciation, wear and tear, the action of light, atmospheric conditions or other gradually operating cause or any process of cleaning repair, restoration and re-siting other than such costs involved following insured damage. The Policy also contains exclusions relating to terrorism, nuclear risks, sonic bangs, and war.

Liability cover excludes injury to the Insured and certain family members.

For full details please refer to pages 9 and 10 of the STONEGUARD ® policy.

STONEGUARD ® policy wording – click here to download. If you wish to arrange cover or discuss the policy please contact Ursula on 0151 228 5616