50+ Personal Accident Plan Image

50+ Personal Accident Plan

Up to £20,000 cash benefits for burns, fractures, dislocations & accidental death

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Affordable 50+ Personal Accident Plan

For just under £4 per week, the plan pays out up to £6,000 for accidental injuries helping tide you over a difficult period, and a £20,000 accidental death benefit cash payout.

  • £20,000 if you were to die as a result of an accident
  • Up to £6,000 for fractures
  • Up to £5,000 for burns
  • Up to £4,000 for dislocations
  • If you are a UK resident aged 50-79, we guarantee to accept you with no medical
  • Save 10% when you choose joint cover (10% saving over 2 single plans)
  • Premiums don’t increase with age
  • This policy is underwritten by Stonebridge International Insurance Ltd

For full details of what is and what is not covered in the 50+ Personal Accident Plan, please see the Policy Wording.

Things to consider
1. Cover ends at age 85

2. There is no cash-in value at any time

3. Your chosen cover meets your needs

Affordable 50+ Personal Accident Plan Image

Our 50+ Personal Accident Plan could be good for you if…

1. You are concerned that an accident could affect your lifestyle.

2. The injury were to affect your mobility and you want help around the house.

3. You needed to make changes to your home following an accident such as a installing a stair lift.

4. You want the financial security of insurance that will not cost more just because you get older.

5. You would rather not have to answer any medical or health questions.

6. You would like a plan that you can keep right up until your 85th birthday.

7. You prefer insurance that is easy to understand and simple to set up.

If the worst were to happen the policy could help provide for your family too. The policy includes benefits for injuries resulting breaks, burns and dislocations and £20,000 for accidental death.

This 50+ Personal Accident Plan is designed to meet the needs of those who wish to have some financial protection in place should they suffer an injury or die as the result of an accident.

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What Is 50+ Personal Accident Plan?

50+ Personal Accident Plan cushions the financial impact of an injury by paying out a cash lump sum if you suffer fractures, dislocations, burns or death as a result of an accident.

These benefits don’t reduce with age and the cover continues until your 85th birthday.

Table of Benefits (How much an insured person is covered for under each section of cover) Cover Amount
Accidental Death Benefit £20,000
Fractures
Hip, upper leg, heel or pelvis (incl. coccyx) £6,000
Lower leg, skull, collar bone, ankle, arm (including wrist and elbow) £4,200
Hand (excl. fingers), foot (excl. toes and heel), shoulder blade, knee-cap or sternum £3,000
Any other fracture £1,500
Single fracture maximum £6,000
Burns
Third degree burns to 15% or more of body surface or 50% of either hand £5,000
Third degree burns to at least 4% but to less than 15% of body surface (except hands) £2,500
Second degree burns of 9% or more of body surface £2,500
Single claim maximum £5,000
Dislocation
Single dislocation £2,000
Single dislocation maximum £2,000
Single claim maximum £4,000
Maximum Total Benefit across all claims per insured person £20,000

What Is Not Covered With 50+ Personal Accident Plan?

If the accident occurs as a result of any of the following:

  • Naturally occurring conditions that do not result from an injury,
  • Any sickness or disease not directly resulting from injury,
  • Suicide or attempted suicide or deliberate self-injury,
  • Competing in any kind of race other than on foot or while swimming,
  • Diving, underwater diving, mountaineering / rock climbing, potholing or parachuting,
  • Flying activity except as a fare paying passenger on a registered commercial airline,
  • Motorcycling as a driver or a passenger,
  • Being under the influence of alcohol, illegal drugs or medication that hasn’t been prescribed to you.
  • Breaks which are caused by unhealthy bones, for example osteoporosis. Although, if the accident would have caused a healthy bone to break, you may still be covered.

For benefits to be payable death must occur within 12 months of the accident. And for injury within 90 days of the accident.

The plan is underwritten by Stonebridge International Insurance Ltd, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 203188. Union Income Benefit Holdings Ltd and Stonebridge International Insurance Ltd are both members of the same group of Companies and are ultimately owned and controlled by the Parent Company Embignell Ltd, registered in England no 05871053.

This is a summary of the significant exclusions on the policy. For a full explanation of the terms and conditions please read the Policy Wording carefully below.

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Policy Documentation

Please read the policy documents carefully. Clicking on the files below will open a new window in which a PDF document will appear. You will need Adobe Reader to see these documents.

Policy Wording

Insurance Product Information Document (IPID)

We do everything we can to ensure we’re giving you the best possible service, whatever your circumstances. If you require additional support and would like to find out more or to request information in a different format, please contact our friendly customer services team on 0345 026 1101.

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Customer Reviews of 50+ Personal Accident Plan

Customer claim feedback 2019:
“You have added brightness to a very dark year…it’s nice and comforting to know that I am well and truly protected with cover for my subscription dues per month. A massive thank you to you and all of the team.”

Geoffrey, 66, Peterborough
Why I bought the cover: “The main reason we took out the policy was because I’d taken on this new job and it was quite a hazardous job, we’re out in all weathers, anything could happen, I could have a road accident or anything like that. Jan decided, that’s my wife, that it would be a good idea to take out some sort of cover. So that’s what we did”

My Accident: “I went to work one morning to recover a vehicle from a village outside of Peterborough. The weather deteriorated into a blizzard and it got quite severe and I had to jump off the truck because of the conditions and fractured my thumb. As I was off work, I was getting no wages from my company because they don’t have an insurance policy”

“The insurance policy we took out came in very handy as it was the middle of winter and the extra money came in very handy to keep us warm for the extra fuel bills that we needed whilst we were here all the time”

The service I received: “We couldn’t believe the service we got from them. When we rang them up, they were so helpful, they ran through what I was covered for and what I wasn’t covered for…. Absolutely perfect”

“The policy that I did take out…was a huge asset to us and I would recommend it to anybody I know and work with”

Christine, 59 from Nairn in Inverness-shire
My Accident: “I’ve never broken anything in my life before and couldn’t believe the pain after another cyclist crashed into me. Luckily I had taken out accident cover, just in case, and I am so glad I did. It really helped me get through this trauma with a financial cushion. I had to have two operations and ended up being off work for nine weeks.”

Christine got a £4,200 payout from the personal accident policy she had taken out.

“I have told all my work colleagues and friends how good this cover is, just in case they ever need it.”

Bruce, 66, Milton Keynes
Why I bought the cover: “I just thought it was a good idea. If I was injured. I’m on my own. I live here on my own. I thought I better take on some sort of insurance policy to cover me”
Why this policy: “I thought now that I’m getting old, I better have some insurance. I was injured many years ago and was covered by insurance then, so thought it was a good idea to have one now”

Richard, 54, Bracknell
Why I bought the cover: “I had no other cover…to protect myself in case anything happened to me”
Why this policy: “The price”

Pearleta, 55, Bristol
Why I bought the cover: “It covers you abroad. It’s a good policy, so I would recommend it”

Stephen, 60, Dyfed
Why this policy: “It was just such good benefits…better than I was expecting to get”
Customer Experience: “I would rate it 5 (out of 5)”

FAQs

No. This insurance is designed specifically for older people. UK residents aged 50 to 79 can take out the cover. This includes those currently employed as an offshore worker, seafarer or mariner, whose permanent residence remains in the UK. Acceptance is guaranteed with no medical questions to answer and your policy can continue until your 85th birthday.

No. Cover is only available to residents of England, Scotland, Northern Ireland and Wales.

50+ Personal Accident Plan is an insurance policy created to help towards the additional costs you may incur following a fracture, dislocation or serious burn caused by an accident and provide a financial safety net for your family in the event of you suffering a fatal accident.

Payment will be made if you suffer an accident causing fracture, dislocation, burns or if you die as a result of an accident. The table below shows full details of the cover available and the benefits payable.

Table of Benefits (How much an insured person is covered for under each section of cover) Cover Amount
Accidental Death Benefit £20,000
Fractures
Hip, upper leg, heel or pelvis (incl. coccyx) £6,000
Lower leg, skull, collar bone, ankle, arm (including wrist and elbow) £4,200
Hand (excl. fingers), foot (excl. toes and heel), shoulder blade, knee-cap or sternum £3,000
Any other fracture £1,500
Single fracture maximum £6,000
Burns
Third degree burns to 15% or more of body surface or 50% of either hand £5,000
Third degree burns to at least 4% but to less than 15% of body surface (except hands) £2,500
Second degree burns of 9% or more of body surface £2,500
Single claim maximum £5,000
Dislocation
Single dislocation £2,000
Single dislocation maximum £2,000
Single claim maximum £4,000
Maximum Total Benefit across all claims per insured person £20,000

Benefits are not payable if the accident occurs as a result of any of the following:

  • naturally occurring conditions that do not result from an injury,
  • any sickness or disease not directly resulting from injury,
  • suicide or attempted suicide or deliberate self-injury,
  • competing in any kind of race other than on foot or while swimming,
  • diving, underwater diving, mountaineering / rock climbing, potholing or parachuting,
  • flying activity except as a fare paying passenger on a registered commercial airline,
  • motorcycling as a driver or a passenger,
  • being under the influence of alcohol, illegal drugs or medication that hasn’t been prescribed to you.
  • Breaks which are caused by unhealthy bones, for example osteoporosis. Although, if the accident would have caused a healthy bone to break, you may still be covered.

For benefits to be payable death must occur within 12 months of the accident. And for injury within 90 days of the accident.

This policy is underwritten by Stonebridge International Insurance Ltd. This is a summary of the significant exclusions on the policy. For a full explanation of the terms and conditions please read the Policy Wording carefully in the policy docs tab.

Fractures are covered by the 50+ Personal Accident Plan but they must be as the result of an accident and must not be caused by an unhealthy bone or those that are unable to withstand normal stresses.  If the bone is unhealthy, for example you have osteoporosis, you may still be covered if the accident was severe and would clearly have caused a healthy bone to break.

The policy wording defines an accident as “A sudden identifiable violent external event that happens by chance and which could not be expected; or unavoidable exposure to severe weather.” If this event were caused by a medical condition, whether diagnosed or not, it would not be considered an accident under the policy and a claim would not be paid.  For example, if a customer blacked out, fell and suffered a fracture, this would not meet the policy definition of an accident and the claim could not be paid.

The single policy covers you only. The joint policy covers you and the partner who is living with you as a couple, at the same address, for at least 3 months at the date of their accidental death or injury.

You can apply for the cover if you are between 50 and 79 years old and can be covered until your 85th birthday.

For just 55p a day you’ll be covered 24 hours a day, both at home and abroad, for up to three claims for accidental injuries in any 12-month period.

What’s more, you can add your partner to your plan – with a 10% saving over 2 single plans. Your partner must be aged 50 to 79 and living with you.

Use our Instant Quote to select which policy you want and see how affordable it could be for you.