E-Cigarette policy review for premium providers

At the moment many insurance companies are not assessing customers properly on their smoking habits, and are behind the times when it comes to changing their policies. They are failing to differentiate between heavy smokers and those using e-cigarettes.

However, this may change in the future and it is hoped that further questioning on forms will assess risk and be able to provide a fairer policy based on an individual basis.

Some providers already apply a more flexible approach and it is hoped that others will follow suit in taking  into consideration an individuals total smoking history for underwriting.