Smoker rates
What Smoker rates means
Insurers usually class you as a smoker if you have used any nicotine product — cigarettes, vapes, patches or gum — in the past twelve months, and smoker premiums can be around double non-smoker rates. Twelve months after you stop completely, most insurers will reclassify you. Answer honestly: a claim can be refused if nicotine use was misstated.