What our customers say:
the 50+ plan in action
Two weeks after taking out his 50+ plan, Mr Smithers suffered a serious forklift accident at work, resulting in a broken hip and a leg fracture that prevented him from working for five months. His plan paid out £6,000.
Receiving the cash meant he was able to continue paying the bills: “My work doesn’t normally pay if you’re off sick – but I’ve still got my rent, life insurance, car insurance and all that sort of stuff…” We asked him what he thought of his plan: “It’s been a godsend. I haven’t had an accident in over 30 years, so I wasn’t expecting it. I can recommend you left, right and centre!”
- £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
- 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
Things to consider
- Cover ends at age 85
- There is no cash-in value at any time
- Your chosen cover meets your needs
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.
Our Over 50’s Personal Accident Plan could be good for you
- You are concerned that an accident could affect your lifestyle
- If an injury affected your mobility you might want help around the house
- If you needed to make changes to your home following an accident, such as installing a stair lift
- You want the financial security of insurance that won’t cost more just because you get older
- You’d rather not have to answer any medical or health questions
- You’d like a plan that you can keep right up until your 85th birthday
- You prefer insurance that’s 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 £20,000 of accidental death cover as well as benefits for injuries resulting in breaks, burns and dislocations.
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.
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.
Please read the Policy Wording in the Policy Docs tab for full details of what is and is not covered before you take out this 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
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.
- a break caused by an unhealthy bone does not meet the definition of a fracture and would therefore not be covered by the policy. For example, if you have osteoporosis or any other condition causing unhealthy bones and you trip onto a soft carpet and break a bone, it is likely the bone broke because of your osteoporosis. The policy would therefore not payout. But if you have osteoporosis or any other condition causing unhealthy bones and break a bone in a nasty car accident where a healthy bone would likely have broken. In that case, your condition played no part in the bone breaking and the policy would therefore payout. Each claim you make will be considered on its own individual circumstances and merits before a full and fair decision is reached.
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 in the Policy Docs tab.
Download 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.
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 0343 178 1226 or customerservices@unioninsurance.co.uk
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)”
Can anyone get covered?
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.
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.
• 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.
Will I be covered for fractures if I have osteoporosis or any other condition causing unhealthy bones?
If you suffer with osteoporosis or any other condition causing unhealthy bones and your bone breaks due to this, then it would not be covered by your policy. A break caused by an unhealthy bone, or those that are unable to withstand normal stresses, does not meet the definition of a fracture under the policy and would not be covered. The policy covers breaks to a bone that are caused by an accident and which would reasonably cause a healthy bone to break.
For example, if you have osteoporosis or any other condition causing unhealthy bones and you trip onto a soft carpet and break a bone, it is likely the bone broke because of your osteoporosis. This would not meet the definition of a fracture and the policy would therefore not payout.
But if you have osteoporosis or any other condition causing unhealthy bones and break a bone in a nasty car accident where a healthy bone would likely have broken then this would meet the definition of a fracture. In that case, your condition played no part in the bone breaking and the policy would therefore payout.
Each claim you make will be considered on its own individual circumstances and merits before a full and fair decision is reached.
What if my medical condition causes an accident?
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.
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?
For jus 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.
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 total 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 partner:
- on their death; or
- on reaching age 85; 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 Income Benefit, 5th Floor, 154 – 160 Fleet Street, London, Blackfriars, EC4A 2DQ or by phone on 0343 178 1226 but we will not refund any premiums paid.
Who underwrites this insurance?
This insurance is underwritten by Stonebridge International Insurance Ltd
How do I make a claim?
To register a claim, please complete a 50+ Personal Accident Plan Claim form
Please ensure that all sections are completed and post or email it to:
Claims Department
Union Income Benefit,
5th Floor,
154 – 160 Fleet Street,
London,
Blackfriars,
EC4A 2DQ
By email: claims@uibuk.com
By telephone: 0800 014 7024
50+ Personal Accident Plan
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Why Choose Us?
- Over £45 million paid in claims
to Union Members (since 2001) - 96% of customers are satisfied
with our company (based on 16,254 customer reviews between 2014 – 2021) - “We couldn’t believe the service we got from them….Absolutely perfect”
(Geoffrey, 66, Peterborough)
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