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Over 50s
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Benefits of the Plan
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5 reasons this Plan could be right for you
- You are concerned about the impact of injuries on your life and independence
- You realise you could be injured anywhere at any time
- If an injury limited your mobility, you might want some help around the home
- You'd like a plan that you can keep for as long as you like, regardless of your age
- You want to include your partner on your cover and enjoy extra savings
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The policy documents are available in English.
Hard copies can be provided on request. -
Download Policy Summary 
Download Policy Document About Our Services -
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Contact Us - 0800 980 4317
What is Over 50s Personal Accident?
All about the Plan
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Accidents can happen and if they do it’s good to know you’ve got the right cover in place to help make a difficult time easier. As you get older your thoughts of injury and recovery may worry you more as burns, fractures and broken bones often take longer to heal.
Your recuperation may also be slower and if you suffer an injury meaning your partner needs to take time off work to look after you, could you afford any escalating costs?
There could be additional expenses such as taxis to hospital, keeping your home warm all day, specialist dietary requirements etc… All this can put a big strain on your finances.
The Over 50s Personal Accident Plan is our solution and is specially designed to help ease your money worries by paying you a cash sum should you be involved in an accident. The Plan can help cushion the financial strain so you can concentrate on getting well and back on your feet again.
Depending on the type of cover you have, if you suffer multiple temporary injuries, the Plan can pay out up to £15,000 for Standard Cover and £30,000 for Platinum Cover. And unlike some insurance plans for the Over 50s there’s no waiting period so you are covered as soon as your Plan is set up - there's no medical examination and no awkward health questions.
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Please note that the Personal Accident Plan is not an income protection product.
This insurance is provided by Chartis Europe Limited. Please read the Policy Document for a full list of Personal Accident benefits.
Benefits of Standard Cover
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- Cover for a wide range of injuries from a broken toe to the loss of a limb
- Cover at home, at work, on the road and even abroad
- Guaranteed acceptance - no medical and no fuss
- Immediate cover - no waiting period
- Available to all permanent UK residents aged over 50
- Single and partner cover available
- No upper age limit
- Premiums do not increase with age
- Hospitalisation benefit of £50 for a hospital stay of 2 days or more
- Standard Cover from as little as £5.00 a month
10 reasons this Plan could be right for you
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- You are concerned about the impact of injuries on your life and independence
- You realise you could be injured anywhere at any time
- If an injury limited your mobility, you might want some help around the home
- You’d rather modify your home to adapt to a serious injury than find somewhere else to live
- You might want to use the cash sum to pay towards a holiday to help you recuperate
- You’d like a plan that you can keep for as long as you like, regardless of your age
- You want an easy claims process with cash paid directly to you
- You don’t want to see your premium rise just because you get older
- You want to include your partner on your cover and enjoy extra savings
- You want a straightforward plan that doesn’t require a medical
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What’s best for me - individual or joint cover?
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For just £5.00 a month* you can give yourself reassurance with the Over 50s Personal Accident Plan. And if you wish to extend cover to your spouse or partner it's even better value as joint Standard Cover costs just £8.85 a month*.
What's more, the premium won't rise as a result of you getting older and there's no upper age limit - so as long as you keep paying your monthly premium and you remain a UK resident you will stay covered.
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Single Standard Cover £5.00 a month * (which works out at just 17p a day) Joint Standard Cover £8.85 a month * (which works out at just 29p a day)
* Premiums are payable monthly and include 6% Insurance Premium Tax. -
What’s not covered?
There are also some events that are not covered and where benefit will not be payable. The most significant exclusions or limitations of these are:- For a fractured bone if you have been diagnosed with osteoporosis or pathological fracture
- If your injuries are the result of a sickness or disease;
- If you die within three months of the accident.
Please check the Policy Document for full details of all terms and exclusions.
Paying annually
- You can make a lump sum payment if you prefer, simply multiply the monthly premium you have chosen by 12 and send us a cheque for this amount. Please send your completed acceptance form and cheque made payable to Chartis Direct to: Chartis Direct, 96 George Street, Croydon CR9 1BU.