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.
It’s really important to answer any questions regarding smoking when you go through an application for cover openly and honestly, as 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, as they may be able to help you secure the best cover for your needs and make recommendations too.
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