Headstone Insurance

Xenon

I will be buying a headstone for my late mother and wondering about insurance.

Can anyone recommend any companies ?

Do i really need/want insurance (I private rent at the moment and have no house/content insurance ).

The headstone will be about £1,140 + £340 in Cemetary burial fee.

It is easy to google but always nice to get recommendations and personal experiences.

madbadrob

In todays age of health and safety and the recent claims for headstones falling on people I would consider it tbh but I do not know who offers this

Rob

bongonaut

There is only one reputable company I'm aware of that offers specific cover for memorials:

Stoneguard

I don't have any knowledge of anyone that has actually made a claim though. Have a chat with your stonemason/funeral director - whoever is supplying the memorial for you. They should be able to give you some advice.

John_Pierpoint

Interesting thought, I have just been taking a look (on the interweb) at a photo someone has taken of my great grandfather's gravestone. It is a big chunky granite cross sticking up about 6ft from a plinth.
Well it has been there for over 100 Years, but I wonder who would be liable if it fell presumably the land owner.
(If you bring a wild animal onto your land, that is not naturally there, and it causes damage, then you are responsible)

Personally I would have something simple built into the grass for easy maintenance.



I would think that the real danger is from teenage "scrotes" knocking it over, rather than vice versa. Beware of anything that can be vandalised or sold.
[My great..................great great Grandfather's head stone appears to have been stolen. It probably had a value on the antique market]

Beware of renewal fees for renting the space.

madbadrob

John the law was changed after one of those teen scrotes had a headstone fall on him. It was decided afterwards that all church and municipal graveyards were to have the headstones tested with some device to see what was potentialy dangerous. With this done 75% of all historic headstones were laid flat. Churches and municipla cemetaries were required to try and locate someone who descended from the deceased and ask if they would be prepared to pay for the memorial to be re-planted to the minimum depth that is now required and of those who were contacted many did however this was only a small percentage of the amount laid flat. I personally dont want a headstone and feel whilst they serve as a reminder they today are a waste of money and space even as a genealogist I welcome them for the information they provide

Rob

Februarycat

I paid £39 for 5 years with Stoneguard for my parents headstone, which I thought was quite reasonable.