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Frequently Asked Questions

How does other tobacco use affect my insurance premium?

To most insurance companies it doesn't make any difference if you are a cigarette, pipe or cigar smoker or if you chew tobacco. All tobacco users are usually classed together. However, there are a very few insurance companies who will allow pipe smokers, cigar smokers and tobacco chewers to qualify as non-smokers. This instantly moves you 'up' a class in insurance terms and can Save you up to 50% on your insurance premium. These companies do not usually advertise this benefit; it's our experience in the insurance world that brings the insurance benefit to you. 


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