Optional add-on · Protection Cover
Repairing damaged tombstones: when and how.
Over time, even the strongest tombstones show signs of wear. Cracks, fading names or a leaning headstone are not just physical issues — they can feel deeply personal. Protection Cover lets you act promptly, protecting both the structure and the meaning behind it.
Protection Cover is an add-on. Get it for a tombstone bought through Inxaso — on your Tombstone Plan or in the Shop (cash or lay-by) — or for a family tombstone already standing in any cemetery.
From R80 a month
When to take action
How to tell it is time.
Not all damage is immediately obvious. These are the common signs that a tombstone needs professional attention.
Visible structural damage
The kind of damage you can see the moment you arrive at the grave.
- Cracks or chipped granite
- Broken corners or a split base
- A headstone that is leaning or sinking
Faded or damaged inscriptions
The name and the words matter as much as the stone they are cut into.
- Letters becoming difficult to read
- Peeling paint or worn engraving
- Discolouration caused by weather exposure
Our weather does the damage slowly.
South Africa's changing climate plays a major role in long-term wear. Heat, rain and shifting soil gradually weaken even a well-installed tombstone. Acting early almost always prevents more costly repairs later — which is exactly what a small monthly premium is for.
How we restore them
Repairs handled with care and skill, at our cost.
- Re-levelling and stabilising leaning or sunken tombstones
- Repairing cracks, chips and structural damage
- Re-engraving faded or worn inscriptions
- Polishing and resealing granite surfaces
- Replacing severely damaged sections where necessary
Affordable repairs you can trust.
Families often face financial pressure when repairs are needed. Cover turns that pressure into a small monthly premium, and an approved repair costs you nothing extra. Repairs is available nationwide, without compromising on quality, and always delivered with dignity and care.
Premiums
Your premium follows the value of the tombstone.
- One free annual inspection and clean
- Cover continues for as long as premiums are paid
- Available on cash and lay-by purchases
- Can be added before checkout or at any stage later
Waiting periods
No waiting period
Accidental damage, vandalism, theft of fittings, storm, subsidence and landslide are covered from your first successful premium.
3 month waiting period
Wear and tear repairs, cleaning and re-lettering become claimable after three consecutive monthly premiums.
What is not covered
- Damage that happened before the cover started
- Deliberate damage caused by the policyholder
- Memorials outside a recognised cemetery or burial ground
- Cosmetic changes or new inscriptions you request yourself
- Claims made while premiums are in arrears
Claims
Four steps from damage to a repaired tombstone.
Report it
Log the damage from your Guardian account or by WhatsApp, with a few photographs of the tombstone.
We inspect
An assessor visits the grave, confirms the cause and scopes the repair or repairs needed.
Repair approved
We approve the work and schedule it. You pay nothing towards an approved claim.
Memorial restored
The tombstone is repaired, re-levelled or replaced on site, and we send you photographs once it is done.
Already have a tombstone? Keep it protected.
Talk to us about adding Protection Cover to an existing tombstone.
Which cover does what
Protection Cover protects a tombstone that already exists.
Two covers that work together. One puts the tombstone up, the other keeps it standing. Take them separately or together.
Before the tombstone is there
Inxaso Tombstone Plan
Pays to make, supply and install a tombstone.
Instead of finding a large amount of money on the worst day of your life, you pay a small amount every month and we make and install the tombstone when it is needed.
- The tombstone itself, made to the design you choose
- Delivery and installation at the cemetery
- A small monthly payment instead of one big amount
- The tombstone value covered is written into your policy
After the tombstone is installed
Tombstone Protection Cover
Protects an installed tombstone against covered damage and pays for approved repairs.
Once a tombstone is standing, it faces weather, ground movement and people. This cover repairs it, so the grave keeps looking the way the family wants it to.
- Vandalism, theft, malicious damage and accidental damage
- Fire and storm damage
- Cleaning, polishing and resealing
- Re-engraving, re-levelling and crack repairs
- Other approved repairs, subject to the policy terms, waiting periods and benefit limits
On the day of the ceremony
Inxaso Meat Cover Plan
Provides meat for the funeral or the tombstone unveiling.
A separate, optional product that covers the food side of the day, delivered to the family's chosen address.
- A sheep, goat or whole cow benefit
- Redeemable at the funeral or at the unveiling
- Its own premium, waiting period and claims process
- Held on its own or alongside any other cover
| Tombstone Insurance | Protection Cover | |
|---|---|---|
| What it is for | Paying to make, supply and install a tombstone | Ongoing protection and repairs for a tombstone already installed |
| When you need it | Before a tombstone has been put up | From the day the tombstone is installed, onwards |
| What you receive | The tombstone, delivered and installed | Repairs and maintenance work at our cost |
| Main covered damage | The death of the insured life | Vandalism, theft, malicious damage, accidental damage, fire and storm damage |
| Also includes | Optional meat benefit on selected plans | Cleaning, polishing, re-engraving, re-levelling and crack repairs |