Save On Insurance By Quitting Smoking

On July 1st a law was passed to make almost every indoor public place in England smoke free. Now if this isn't enough to make smokers want to kick the habit, or the risk of cancer, then perhaps sitting down to work out just how much money it affects their bank balance!

According to a NHS report, the average smoker will spend 95,000 on cigarettes in their lifetime. If we break this down youre talking roughly 1,500 per year if you smoke the cheaper brands; just think what you could buy with that sort of money! A holiday, car, a whole new wardrobe

In addition there are other cost associated with smoking, which many forget to include when calculating costs and potential savings. These include, and are not limited to, teeth whitening and cleaning costs to remove nicotine stains and smells. The largest additional cost however is in insurance premiums, and quitting smoking can drastically reduce this. For example, for a smoking male to be insured for 100,000 life cover over the next 25 years it would cost 17.90 with Norwich Union. For a 35 year-old non-smoking male the cost would be 45% less, at just 10.

Darren Dicks, head of protection marketing for Norwich Union, said People who smoke have an increased risk of heart disease, breathing disorders and certain cancers, to name but a few illnesses, which is why non-smokers often pay significantly less for life insurance and critical illness policies.

Now as much as it is very much true that non-smokers pay less for life insurance, if you have been a smoker previously you may be asked to take a test as proof, and you must have quit for 12 months before you are entitled to cheaper premiums. Insurance companies will classify a smoker as anyone who has used any tobacco products in the last 12 months before applying. And if you do crumble and have a crafty cigarette, in the event of a claim being made and this being revealed the insurer may void the claim, so honesty is the best policy!

A place where smokers often feel inclined to light up is in the car, although this also may no longer be possible soon as the Local Authority Road Safety Officers' Association has called for a ban on smoking behind the wheel. A number of insurers already include smoking as a factor when assessing the cost of an individuals car insurance policy.

Whether you are a smoker or a non-smoker, it is important to find the right insurance product that suits your lifestyle. You can use The Help Group to search and compare insurers and products in order to find the best deal that fits your requirements.

For help and advice on how to quit smoking, please visit http://www.gosmokefree.co.uk

Lemon Law In Ohio
Accident Health Insurance Accident Health Insurance
Need Lawyer
Asbestos Awareness Training Asbestos Awareness Training
Commercial Mortgage
Ford Motor Credit
Online Forex Trading
Student Loan Consolidation Interest Rate
All State Car Insurance
Forex Shipping
Forex Demo Account
Lasik Jacksonville
Alliance Mortgage Alliance Mortgage
Removing Asbestos
Lasik Eye Surgery Austin
Term Insurance
Stock Market Trading
Ford F150
Pest Control Virginia
Cataracts