Weii, just for information, and something else to look at.
I was advised by a friend to look into the nationwide flexplus account - so I did. It basically has a 70 age limit but that can be increased for £60/yr, and then the medical conditions add-on was a reasonable price, so even including the monthly fee it was still cheaper than my previous staysure annual policy. So it might be worth looking at.
I haven't had it for long enough to claim against it. However I am interested to know if anyone has.