Vaping/ e cigs & life insurance

LADK

Does anyone know if any insurance company will class you as a non smoker if you use ecigs? My husband and I have been off cigarettes a year in March but Legal & General have just told me we are still classed as smokers.
Thanks

stephenni1971

No. You need ot be NICOTINE free for a year not smoke free.

starrystarry

Depends whether you use nicotine cartridges with your e-cigs. If you do, smoker rates will apply. If you only use cartridges with no nicotine, some insurers will allow non-smoker rates.

jeffnail

You need to check the e cig and see if nicoyine or not - MOST e cigs have an element of nicotine of between 1%-10% - This makes you a smoker - You need to find a e cig that just has vapor and NO Nicotine

johnbhoy10

https://forums.moneysavingexpert.com/discussion/4938282

for the doubters a hard copy of this sits with my policy-

Dear Mr xxxxxxx,

Thank you for your internet enquiry.

As per your telephone calls we can confirm that e-cigarettes are considered 'non-smoking'. We trust this meets your requirements.

Should you have any other enquiries, please do not hesitate to telephone our Customer Contact Centre on 0333 323 5433, or email us at enquiries@scottishfriendly.co.uk



Kind Regards
Customer Contact Centre
0333 323 5433


Customer Contact Centre
Scottish Friendly Assurance
Scottish Friendly House
16 Blythswood Square
Glasgow



Sold by Smart Insurance, underwritten by above.

Am i missing something??

kingstreet

Scottish Friendly, Compare The Market's partner in Beagle Street and also in Smart Insurance.

Fine for life cover where you're dead, but for critical illness cover be very careful that your cheap cover doesn't prevent you making a claim for a condition a better quality provider would have covered.

Make sure life cover is written in trust so the benefit is paid quickly to nominated beneficiaries; outside the estate of the policyholder so it doesn't create/add to an IHT liability and without the need for probate.

johnbhoy10

kingstreet wrote: »

Scottish Friendly, Compare The Market's partner in Beagle Street and also in Smart Insurance.

Fine for life cover where you're dead, but for critical illness cover be very careful that your cheap cover doesn't prevent you making a claim for a condition a better quality provider would have covered.

Make sure life cover is written in trust so the benefit is paid quickly to nominated beneficiaries; outside the estate of the policyholder so it doesn't create/add to an IHT liability and without the need for probate.

Thanks. Funnily enough i spoke to Beagle at the time and they ask about nicotine so it's a non-starter with them. I found this strange as both underwritten by same outfit. Think i mentioned this in my original thread.

Yes, my policy is just plain old life cover in my name only. I have kept my original cover with L&G in place as i thought this sounded too good to be true. I just view this as extra cover at a competitive premium.

Finally, thanks for the life cover tip about beneficiaries. I assume you should do this regardless of who you are with?? Sister-in-Law is a paralegal so i'll get her on the job.

.