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More Indirect Costs Of Smoking?
36 Answers
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that'll get added to premiums.
that'll get added to premiums.
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I don’t smoke in the house or the car, and I always carry a ‘pocket’ ashtray with me. They are cheap enough and easy to clean, so there is no excuse for leaving dog-ends lying around.
I’ve looked at EDDIE’S link, and like others, have never been asked if I am a smoker for home insurance.
Incidentally, I live on a minor country road, and it’s not unusual to see McDonalds litter caught up in the hedgerows, yet my nearest McDonalds must be at least 15 miles away!
I’ve looked at EDDIE’S link, and like others, have never been asked if I am a smoker for home insurance.
Incidentally, I live on a minor country road, and it’s not unusual to see McDonalds litter caught up in the hedgerows, yet my nearest McDonalds must be at least 15 miles away!
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Bigbad & others Look at my link again!
Beside the section on 'smokers' there is a 'Did you know' box.
It says ''did you know you have to tell your insurance company if there are smokers in your house?''
So it is YOUR responsibility to tell insurers if you or anyone in your house smokes and not wait to be asked. If you do not tell them it is a reason to void your policy. Remember EVERY insurance company has a team whose sole job is to find ways to avoid paying claims!!!! ( but they call them something like claims handlers)
Beside the section on 'smokers' there is a 'Did you know' box.
It says ''did you know you have to tell your insurance company if there are smokers in your house?''
So it is YOUR responsibility to tell insurers if you or anyone in your house smokes and not wait to be asked. If you do not tell them it is a reason to void your policy. Remember EVERY insurance company has a team whose sole job is to find ways to avoid paying claims!!!! ( but they call them something like claims handlers)
Well, I’ll take it with a pinch of salt EDDIE.
It’s your responsibility to answer all questions honestly, and to inform your insurers of any change in circumstance.
I’ve looked over my policy, including the forms I filled in on application, and there is nothing whatsoever regarding smoking.
Plus my house isn’t brick built, which the insurance company know about, (and charge me a ridiculous amount for) and still no questions about smoking or any other potential hazards.
Nor questions like “do you use candles” or “do you ever have a good old burn-up in the back garden” which would be “yes” to both, in my case.
It’s your responsibility to answer all questions honestly, and to inform your insurers of any change in circumstance.
I’ve looked over my policy, including the forms I filled in on application, and there is nothing whatsoever regarding smoking.
Plus my house isn’t brick built, which the insurance company know about, (and charge me a ridiculous amount for) and still no questions about smoking or any other potential hazards.
Nor questions like “do you use candles” or “do you ever have a good old burn-up in the back garden” which would be “yes” to both, in my case.
^^ The entire point is that it is down to you to tell them you are a smoker or there are smokers in the house. It is not up to them to ask.
As it says, failure to inform the insurance that there are smokers in the house can cause 'problems with a claim'. That is from the insurance company not me.
I do not have any form of household insurance. I have nothing in the entire house that was bought new ,it was either given to me free or bought from charity shops.
As it says, failure to inform the insurance that there are smokers in the house can cause 'problems with a claim'. That is from the insurance company not me.
I do not have any form of household insurance. I have nothing in the entire house that was bought new ,it was either given to me free or bought from charity shops.
I used to have fire insurance. I had a tumble dryer that developed an electrical fault and burnt out.I put in a claim only to be told that as the dryer was 'the seat of the fire' it was not covered. If it had burnt down the kitchen I could have claimed for that but not for the item where the fire started.
I did not bother renewing the insurance after that as I was convinced the company would find a way to avoid paying. Got a replacement drier from a house clearance sale for £20. Nine years later it is still working.
I did not bother renewing the insurance after that as I was convinced the company would find a way to avoid paying. Got a replacement drier from a house clearance sale for £20. Nine years later it is still working.
Possibly because of one careless smoker. It could have been an electrical fault in a car, a discarded bottle focussing the sun's rays, arson.
Let's go with smokers though since there's absolutely no proof.
Could traffic police adopt the same attitude when doing their accident investigations from now on?
"Must have been a puncture now let's get this road open and the public on their way."
Let's go with smokers though since there's absolutely no proof.
Could traffic police adopt the same attitude when doing their accident investigations from now on?
"Must have been a puncture now let's get this road open and the public on their way."
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