I’ve stopped smoking, will this affect my policy payments?

For protection policies only

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If you’ve stopped smoking for 12 months or more, and you haven’t been advised to stop smoking on medical grounds, we may be able to review your policy.

If you haven’t used any nicotine products in the last 12 months - including cigarettes and any substitutes that contain nicotine, like e-cigarettes, patches or gum - you may be eligible for non-smoker rates.

To review your policy, we’ll need you to answer a short questionnaire and sign a declaration that you’ve been nicotine-free for at least 12 months. We may also ask you to take a simple medical test (a saliva or urine sample) to confirm that you haven’t used nicotine in the past year.

If we're happy with the results of the test and the information you've provided to us, we’ll move you to non-smoking rates which may reduce your policy payments.