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Old 30.06.2012, 16:12
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'Smoker' definition

How does the insurance industry here define 'smoker'? Would a couple of sticks a week count as smoking? Also, is the premium increase simply " smoker / non-smoker ", or does the quantity 'consumed' (as in the case of alcohol) have a bearing?
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Old 30.06.2012, 16:23
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Re: 'Smoker' definition

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How does the insurance industry here define 'smoker'? Would a couple of sticks a week count as smoking? Also, is the premium increase simply " smoker / non-smoker ", or does the quantity 'consumed' (as in the case of alcohol) have a bearing?
Depends what it's for to be honest. Not really a quantity thing like booze but you can still be a "non smoker" for some covers and enjoy a couple of Cigars at the weekend...
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Old 30.06.2012, 16:53
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Re: 'Smoker' definition

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How does the insurance industry here define 'smoker'? Would a couple of sticks a week count as smoking? Also, is the premium increase simply " smoker / non-smoker ", or does the quantity 'consumed' (as in the case of alcohol) have a bearing?
A smoker on the EF is someone who smokes on a railway station, bus or tram stop
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Old 30.06.2012, 17:55
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Re: 'Smoker' definition

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A smoker on the EF is someone who smokes on a railway station, bus or tram stop
So you mean as long as I refrain on above mentioned places, EF will insure me?
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Old 30.06.2012, 18:01
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Re: 'Smoker' definition

With most Companies either you smoke or you don't ...

Some will ask if you have ever smoked and if you say yes they want to know when you stopped.
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Old 30.06.2012, 18:49
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Re: 'Smoker' definition

In my experience, plus the insurance agent told me, it is better to be upfront. If they find out that you have lung disease and the doctor tells them it is due to your smoking for many years, you may lose your cover.

If you are a smoker or not, only you can honestly tell.
I think a "smoker" means you smoke regularly, like at least 1 stick per day.


PS: I am therefore not a smoker.
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Old 30.06.2012, 19:22
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Re: 'Smoker' definition

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So you mean as long as I refrain on above mentioned places, EF will insure me?
No they just wont groan at you
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Old 30.06.2012, 19:22
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Re: 'Smoker' definition

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With most Companies either you smoke or you don't ...

Some will ask if you have ever smoked and if you say yes they want to know when you stopped.
True, but as I say it depends what it is for I.e health cover or life / risk policies. The definition of smoker differs and in fact there are, right now, other factors that can affect premiums and cover acceptance more over here.
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Old 30.06.2012, 19:24
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Re: 'Smoker' definition

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In my experience, plus the insurance agent told me, it is better to be upfront. If they find out that you have lung disease and the doctor tells them it is due to your smoking for many years, you may lose your cover.

If you are a smoker or not, only you can honestly tell.
I think a "smoker" means you smoke regularly, like at least 1 stick per day.


PS: I am therefore not a smoker.
Indeed it is and depending on cover one may well need a medical anyhow; the bigger the risk cover the more tests and disclosures are required.
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Old 30.06.2012, 22:11
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Re: 'Smoker' definition

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No they just wont groan at you
Much Obliged!!

Anyway, on topic - my insurance agent tells me the deciding question is :
Have you smoked a single cigarette in the past one year?, nothing in writing however.

After reading the helpful answers, esp HAT's advice about being upfront, I think I'll declare myself a smoker, pay the extra premium and get it over and done with.

Thank you all for the help.
Mods are welcome to close the thread, I have my answers.
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Old 30.06.2012, 23:32
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Re: 'Smoker' definition

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Much Obliged!!

....snip...
After reading the helpful answers, esp HAT's advice about being upfront, I think I'll declare myself a smoker, pay the extra premium and get it over and done with.

Thank you all for the help.
Mods are welcome to close the thread, I have my answers.
This could be the first time in a long time, anyone's taken my "advice" seriously here in EF. Thanks pal. Let's have a quick smoke together....
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Old 30.06.2012, 23:33
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Re: 'Smoker' definition

Yup!
Let's just slip outside together and enjoy a quick fag!

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This could be the first time in a long time, anyone's taken my "advice" seriously here in EF. Thanks pal. Let's have a quick smoke together....
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Old 01.07.2012, 13:01
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Re: 'Smoker' definition

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This could be the first time in a long time, anyone's taken my "advice" seriously here in EF. Thanks pal. Let's have a quick smoke together....
Lol! nice one
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  #14  
Old 01.07.2012, 23:01
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Re: 'Smoker' definition

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This could be the first time in a long time, anyone's taken my "advice" seriously here in EF. Thanks pal. Let's have a quick smoke together....
So, one newly declared smoker, with another still shy smoker?
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