Frequently Asked Questions

When I apply for an insurance quote what is the best way to answer the 'Tobacco User' question?

If you have used tobacco in any form in the last 12 months you are considered by insurance companies as a 'tobacco user'. Tobacco use includes smoking cigars, pipes or cigarettes; and chewing tobacco. It doesn't matter if you only use tobacco occasionally, you must still answer the insurance question honestly that "yes" you are a tobacco user.


Over the years our customers have asked us particular insurance questions. We have put these altogether to help you make intelligent buying decisions.