If you've started smoking since purchasing your policy, this won’t affect your current policy or premiums, providing the details you gave at the time of application were correct and your premiums are maintained.

Be aware that if you miss premiums in the future and we require a health form, reinstating your policy will not be possible.

If you've stopped smoking, this won’t affect your current policy or premiums and the policy would remain valid.

If you now meet our definition of a non-smoker you may be eligible to take out new cover as a non-smoker. This may affect the cost of a new policy. Our definition of a non-smoker is someone who has used no tobacco or nicotine replacement products, including electronic cigarettes, within the last 12 months.