Memorial Insurance

Memorial Insurance

Brent Stevenson Memorials will only quote on memorials we have worked on, either from new or an additional inscription on an existing memorial, as we only serve Lancashire we cannot offer memorial insurance quotes on memorials we have not seen. Please do not hesitate to contact our friendly team or visit our Blackburn or Blackpool showroom for further information.

Stoneguard Insurance is offered through Bridge Insurance brokers and The Royal & Sun Alliance and is available from ourselves.

Stoneguard safeguards your memorial and covers the cost of repair or replacement if it is defaced or damaged over the years.


The premiums shown below are for a five year period. Cover is only for memorial headstones in cemeteries and churchyards in Lancashire.

Memorial Headstone Value Premium
Up to - £400 £31
£401 - £500 £38
£501 - £600 £43
£601 - £750 £52
£751 - £1000 £63
£1001 - £1250 £77
£1251 - £1500 £92
£1501 - £1750 £108
£1751 - £2000 £124
£2001 - £2500 £151
£2501 - £3250 £177
* Correct as of the 24/7/2018

The premiums shown may be subject to periodic review by Insurers and include Insurance Premium Tax at 6% (set by the Government and subject to alteration).

Over £3250 – 5% of value + 6% Insurance Premium Tax

For example:

Sum Insured £3,500 @ 5% = £175 plus 6% of £175 (£10.50) = £185.50


It provides ‘All Risks’ cover and examples of this are: Vandalism, Subsidence, Falling Trees, Storm Damage, Theft, and Graffiti. Public liability cover is also provided. Find out more about the cover for our Headstone insurance and memorial stone insurance

No. There is no excess on the StoneGuard policy.

Yes – please contact our office to request this.

Not unless you make more than 5 claims in any 5 year period.

Quotations over the phone take less than 5 minutes. If you submit a quotation request, we will call you back as soon as possible.

Immediately over the phone or when we receive your application by post.

We accept debit cards without additional charge.

No but we may ask for a photograph of a damaged memorial headstone if a claim exceeds £300.

Yes but in the event of a claim, we would prefer you to use the mason who supplied the stone.

The replacement cost at today’s prices including VAT. If you do not know this amount, please contact Brent Stevenson Memorials on 01254 202019.

Royal & Sun Alliance Insurance Plc (RSA)

Yes. All documentation is carefully issued by us and will include your schedule/certificate.

lease contact us immediately on 01254 202019 to amend your policy or contact details.

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.


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.

Obtain a quotation for memorial stone insurance here.

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

Bridge Insurance Brokers Ltd was established in 1970 and is rated as one of the leading independent Brokers in the UK. Having an enviable reputation for technical expertise, service excellence and integrity, we are committed to professional standards and are authorised and regulated by the Financial Services Authority, Firm reference number 308815. This can be checked on the FSA website at

Our registered office is:

Bridge Insurance Brokers Limited
Cobac House
14-16 Charlotte Street
M1 4FL

0161 236 6969
Registered in England No. 996284
at the above address

VAT Registration Number 907 3858 02

Further information about the company as a whole can be obtained at However, for all memorial insurance enquiries, please use the STONEGUARD ® team contacts or call freephone 0500 820 420.

The STONEGUARD ® Memorial 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.

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