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. 


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