One of our most frequently asked questions is “Am I classed as a ‘smoker’?”
If you have used any cigarettes, cigars, a pipe, or other tobacco products; including nicotine replacements and e-cigarettes in the last 12 months - including occasional/social use, then the answer is yes.
When applying for cover, it is important to answer any questions about smoking openly and honestly. If you don’t disclose something and later try to claim, you may not be able to receive the full benefit of the policy.
Insurers can have different approaches to covering smokers, ex-smokers, and vapers. You may wish to speak to one of our advisers if you currently smoke, vape or gave up smoking in the last 5 years. They may be able to make recommendations and help to secure the best cover for your needs.
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