G
gobananas
Guest
It seems to Insurance companies that to be a non-smoker you have to have not smoked in 12 months (or have any intention of smoking in the next 12 months).
As an ex-smoker (and a light smoker at that) and someone who still has a very occassional cigarette (like maybe one a month) this seems to be a very harsh black or white calssification. If you say no, by their standards you'd be lying but if you say yes your premiums will be uncessarily high.
In the event of being required to take a medical can they catch you out?
Just wondering has anyone else been faced with this 'moral' dilemma?
As an ex-smoker (and a light smoker at that) and someone who still has a very occassional cigarette (like maybe one a month) this seems to be a very harsh black or white calssification. If you say no, by their standards you'd be lying but if you say yes your premiums will be uncessarily high.
In the event of being required to take a medical can they catch you out?
Just wondering has anyone else been faced with this 'moral' dilemma?