More Indirect Costs Of Smoking?

[ToraToraTora]

http://www.bbc.co.uk/news/uk-england-hampshire-37083532
that'll get added to premiums.

[Togo]

I have a get out of jail free card on that tenuous point Eddie. "She who must be obeyed" deals with those aspects and as far as I know she does not smoke or lie. However I tell her that I do not smoke.

[ToraToraTora]

I just walk past the smoking area on my way to the office. Ditto in some pubs restaurants etc where those you defend hang around the front stinking and generally tossing their residue among the civilised. I don't have to seek out the smoking areas I just encounter them.

[Togo]

What? You have to enter the back door in all these "places"?

[Bigbad]

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!

[ToraToraTora]

don't be an idiot, they hover in a scrum at the front

[jno]

I imagine they did that after the King's Cross fire. Cigarettes have been starting fires for the last century.

[EDDIE51]

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)

[Togo]

If you set the chip pan on fire whilst piste the "claim handler" will go.......ooohh dear did you read article 64,000, if the dog chews the vacuum cleaner lead....Zzzzzzz

[Bigbad]

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.

[EDDIE51]

^^ 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.

[Bigbad]

And my point is, I'll take it with a pinch of salt.
So if I ever make a claim, I'll let you know what happens, and with no insurance, I hope you, EDDIE, never have to make a claim!

[EDDIE51]

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.

[mikey4444]

82 cars were destroyed in this fire ! That is a huge amount.

It only takes 1 careless smoker.

[douglas9401]

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."

[naomi24]

Eddie, A friend’s toaster caught fire and almost burnt the whole house down. Replacing the toaster was the least of his worries. Foregoing household insurance is foolish.