Enjoy peace of mind with our financial helping hand
50+ Personal Accident Plan
over-50s-accident-cover-image
Enjoy peace of mind
with our financial helping hand

Accidents happen – when they do, a cash lump sum could ease the pain. 50+ Personal Accident Plan is a straight forward policy for the over 50’s and covers you for up to £6,000 for fractures, burns and dislocations and £20,000 for accidental death.

  • £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're a UK resident aged 50-79, we guarantee to accept you with no medical
  • Covers you 24 hours a day, anywhere in the world
  • Premiums don’t increase with age
  • This policy is underwritten by Advent Insurance PCC Ltd - UIB Cell
  • CLICK HERE to hear what our customers say
  • What is it?

    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

    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.

    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 Advent Insurance PCC Ltd - UIB Cell. 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.

  • Why might I need it?

    We understand how easily accidents can happen. 

    With this policy you can concentrate on getting better without worrying about the costs incurred.
    Need help around the house or a taxi to the supermarket? You can use the money however you see best to make your recovery quick and stress free.

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

  • Policy docs

    Download policy documentation

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

    Policy Summary and Wording

  • Testimonials

    Geoffrey, 66, Peterborough
    Why I bought 50+ Personal Accident 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. You couldn’t have wished for a better insurance company. Absolutely perfect”

    “The policy that I did take out with the insurance company 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 50+ Personal Accident 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 50+ Personal Accident 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 50+ Personal Accident 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)”

     

  • Can anyone get covered?

    No. This insurance is designed specifically for older people. UK residents aged 50 to 79 can take out the cover – with no medical questions to answer. Acceptance is guaranteed and your policy can continue until your 85th birthday.

  • What if I live in the Channel Islands or Isle of Man, can I get cover?

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

  • How does it work exactly?

    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.

  • What am I covered for?

    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
  • What am I not covered for?

    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.

    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 Advent Insurance PCC Ltd - UIB Cell. 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.

  • What's the difference between single and joint cover?

    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.

  • What are the age limits of cover?

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

  • How much does it cost?

    Premiums start from 50p per day depending upon whether you choose single or joint cover. Use our Instant Quote to select which policy you want and see how affordable it could be for you.

  • Will my premiums go up if I make a claim?

    No.

  • Will my premiums go up as I get older?

    No.

  • When does the cover end?

    All cover under this policy will end:
    • if the premium is not paid when due or within the grace period; or
    • if the policy is cancelled by you or by us; or
    • if the maximum benefit limit is reached for the policyholder; or
    • on the first premium due date following the policyholder’s 85th birthday; or
    • if the policyholder ceases to be a UK resident; or
    •the death of the policyholder whichever occurs first

    If the first premium is not paid when due the policy will be void.

    Cover will end for an insured person:
    • on their death; or
    • on reaching age 85; or
    • if the maximum benefit limit is reached for the insured person; or
    • when the insured person who is not the policyholder no longer meets the definition of partner.

    If you do not pay your premium when due or within the grace period, your policy will end automatically at the end of the last month you paid your premium.

  • Does the cover end if I make a claim?

    No. You can make up to 3 claims (per person covered) for accidental injuries in any 12 month period.

  • What does 'guaranteed acceptance' mean?

    It means that as long as you are a UK resident aged from 50 to 79 you will be accepted for the cover by the insurer with no need to answer medical questions.

  • What if I change my mind?

    You can cancel the policy within 30 days of the start date and we will refund any premiums paid provided you have not made a claim. Following this, you may cancel the policy at any time by giving 7 days notice in writing to Union Insurance Services, 39/51 Highgate Road, London NW5 1RT or by phone on 0343 178 1255 but we will not refund any premiums paid.

  • Who underwrites this insurance?

    This insurance is underwritten by Advent Insurance PCC Ltd - UIB Cell.

What is it?

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

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.

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 Advent Insurance PCC Ltd - UIB Cell. 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.

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Why might I need it?

We understand how easily accidents can happen. 

With this policy you can concentrate on getting better without worrying about the costs incurred.
Need help around the house or a taxi to the supermarket? You can use the money however you see best to make your recovery quick and stress free.

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

Policy docs

Download policy documentation

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

Policy Summary and Wording

Testimonials

Geoffrey, 66, Peterborough
Why I bought 50+ Personal Accident 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. You couldn’t have wished for a better insurance company. Absolutely perfect”

“The policy that I did take out with the insurance company 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 50+ Personal Accident 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 50+ Personal Accident 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 50+ Personal Accident 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)”

 

FAQ
Can anyone get covered?

No. This insurance is designed specifically for older people. UK residents aged 50 to 79 can take out the cover – with no medical questions to answer. Acceptance is guaranteed and your policy can continue until your 85th birthday.

What if I live in the Channel Islands or Isle of Man, can I get cover?

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

How does it work exactly?

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.

What am I covered for?

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
What am I not covered for?

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.

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 Advent Insurance PCC Ltd - UIB Cell. 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.

What's the difference between single and joint cover?

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.

What are the age limits of cover?

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

How much does it cost?

Premiums start from 50p per day depending upon whether you choose single or joint cover. Use our Instant Quote to select which policy you want and see how affordable it could be for you.

Will my premiums go up if I make a claim?

No.

Will my premiums go up as I get older?

No.

When does the cover end?

All cover under this policy will end:
• if the premium is not paid when due or within the grace period; or
• if the policy is cancelled by you or by us; or
• if the maximum benefit limit is reached for the policyholder; or
• on the first premium due date following the policyholder’s 85th birthday; or
• if the policyholder ceases to be a UK resident; or
•the death of the policyholder whichever occurs first

If the first premium is not paid when due the policy will be void.

Cover will end for an insured person:
• on their death; or
• on reaching age 85; or
• if the maximum benefit limit is reached for the insured person; or
• when the insured person who is not the policyholder no longer meets the definition of partner.

If you do not pay your premium when due or within the grace period, your policy will end automatically at the end of the last month you paid your premium.

Does the cover end if I make a claim?

No. You can make up to 3 claims (per person covered) for accidental injuries in any 12 month period.

What does 'guaranteed acceptance' mean?

It means that as long as you are a UK resident aged from 50 to 79 you will be accepted for the cover by the insurer with no need to answer medical questions.

What if I change my mind?

You can cancel the policy within 30 days of the start date and we will refund any premiums paid provided you have not made a claim. Following this, you may cancel the policy at any time by giving 7 days notice in writing to Union Insurance Services, 39/51 Highgate Road, London NW5 1RT or by phone on 0343 178 1255 but we will not refund any premiums paid.

Who underwrites this insurance?

This insurance is underwritten by Advent Insurance PCC Ltd - UIB Cell.