Memorial InsuranceBrent 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 quotes on memorials we have not seen. Please do not hesitate to contact our friendly team or visit our Blackburn and Blackpool showrooms. Premiums 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 Memorial HeadstoneValue Premium Up to - £400 £28.00 £1251 - £1500 £86.00 £401 - £500 £34.00 £1501 - £1750 £101.00 £501 - £600 £39.00 £1751 - £2000 £117.00 £601 - £750 £48.00 £2001 - £2500 £142.00 £751 - £1000 £59.00 £2501 - £3250 £167.00 £1001 - £1250 £71.00 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 Frequently Asked Questions Q: What does the STONEGUARD ® insurance policy cover? A: 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. Q: Do I have to pay the first amount of a claim? A: No. There is no excess on the StoneGuard policy. Q: Can the policy be transferred to another member of the family? A: Yes. Q: Do claims affect the premium? A: Not unless you make more than 5 claims in any 5 year period. Q: How long do memorial insurance quotations take? A: Quotations over the phone take less than 5 minutes. If you submit a quotation request, we will call you back as soon as possible. Q: How quickly can insurance cover for a headstone be arranged? A: Immediately over the phone or when we receive your application by post. Q: What payment methods do you accept? A: We accept debit cards without additional charge Q: Do you inspect the memorial headstones? A: No but we may ask for a photograph of a damaged memorial headstone if a claim exceeds £300. Q: Can we use any memorial mason? A: Yes but in the event of a claim, we would prefer you to use the mason who supplied the stone. Q: How much should I insure my memorial headstone for? A: The replacement cost at today's prices including VAT. If you do not know this amount, please contact Brent Stevenson Memorials on 01254 202019. A: Royal & Sun Alliance Insurance Plc (RSA) Q: Will I receive my documentation quickly? A: Yes. All documentation is carefully issued by us and will include your schedule/certificate. Q: What if I move or need to change the contact of my policy? A: Please 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. 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. 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:
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 www.fsa.gov.uk/register. Our registered office is: Bridge Insurance Brokers Limited 0161 236 6969 This e-mail address is being protected from spambots. You need JavaScript enabled to view it Registered in England No. 996284 VAT Registration Number 907 3858 02 Further information about the company as a whole can be obtained at http://www.stoneguard.uk.com. 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.
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