Call us on 0800 995 1001
You (and your Partner Life Insured, if applicable) must be United Kingdom Resident/s between 50 and 69 years of age.
Providing you meet these eligibility criteria, we guarantee to accept your application for British Seniors over 50s Personal Accident Insurance.
You can arrange cover simply over the phone on 0800 995 1001 now.
You can select a cover option that suits your needs and budget, from £30,000 up to £500,000 benefit which is paid as a lump sum in the event that you suffer a defined serious injury or death as a result of an accident.
We will pay a benefit in the case of accidental death, or in the case of blindness, deafness or total and permanent loss of use of two limbs, occurring as a direct result of an accident, and where the injury occurs within 12 months of the accident, except in the circumstances explained in "What is not covered?" on this page.
The accidental serious injury must be certified by a Medical Specialist and confirmed by our medical advisers.
In general this product appeals to customers who are seeking to ensure a measure of financial security for their loved ones against the risk of financial loss as a result of an accidental serious injury or accidental death.
When you apply for Over 50s Personal Accident Insurance , you will be provided with a quote. Your quote will depend on the benefit amount, whether you add optional cover and whether you have a single or joint plan.
We will not pay an over 50s Personal Accident Insurance benefit amount in respect of a life insured if the life insured suffers an accidental death or an accidental serious injury directly or indirectly as a result of:
You have 30 days from the receipt of your Policy documents, during which time you can cancel your Policy by writing to us or giving us a call. You can still cancel your Policy after 30 days, but you will not get anything back.
No, and there are no intrusive questions about your health and lifestyle.
You can keep your policy until the policy anniversary after your 74th birthday.
The British Seniors Personal Accident Insurance policy is flexible, so you can make changes at any time. For example, if you want to include children in the future, you can add them, or perhaps you want to make an increase or decrease to your benefit amount – that’s fine too.
Automatic benefit amount increases:
The policy features a 5% automatic annual increase to your chosen benefit amount for your Personal Accident Insurance and any optional cover you have. It is applied automatically to your policy on your policy anniversary each year for 10 consecutive years from the policy start date.
For example, a benefit amount of £100,000 will increase by 5% to £105,000 after the first policy anniversary and will reach £150,000 after 10 years.
The benefit amount increase is a great way of increasing your benefit amount over the years, for example, as your family grows. You will be sent a new schedule each year, which will show your new monthly premium recalculated based on the new benefit amount. At this point you have the flexibility of deciding to accept the increase, in which case you wouldn’t need to do anything, or you can let British Seniors Insurance know if you wish to opt-out of it. If you change your mind, you can still opt back in to the 5% benefit amount increases within the 10 years, whatever suits your needs best.
Yes. With Over 50s Personal Accident Insurance you can take out insurance solely on your own life (single plan), or you can choose to include your partner under your policy (joint plan).
When you apply with your partner you can each apply for individual benefit amounts. A benefit can be paid for each life insured under the policy.
There are 3 ways for you or your family to make a claim:
We will send out a claim form to be completed, signed and returned to us.
Note: If the claim is accepted, the insurer will pay the benefit amount to you or, upon your death, to the person who is legally entitled to it and they will refund any premiums paid between the date of serious injury or death and the date the claim is paid.
Customers with an active lifestyle, or a job with risk find personal accident insurance is appealing as this can provide substantial cover which is paid in the event of accidental death, or serious injury. We only have to read the newspaper every day to know that awful accidents can strike anyone, at any time.
Our fully trained life insurance specialists can get your British Seniors Personal Accident Insurance policy arranged for you over the phone in minutes, helping to provide financial security to you or your family.
Call FREE on 0800 995 1001 or get a call back by clicking on the button below.
Our UK based customer service specialists will take you through the options, and give you a quick quote. We can arrange your Policy over the phone, and you can be covered immediately.
The following will apply regardless:
Things to consider
British Seniors Insurance Agency® is a trading name of Neilson Financial Services Limited which is authorised and regulated by the Financial Conduct Authority and entered on the Financial Services register www.fsa.gov.uk/register/ under reference 594926. Neilson Financial Services Limited. Registered in England and Wales. Number 07986483. Registered Office: Landmark Place, Windsor Road, Slough, Berkshire SL1 1JL. All products are arranged by British Seniors Insurance Agency and issued, underwritten and administered by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under reference 110002, with permission to effect and carry out contracts of insurance.
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