Today, on World No Tobacco Day (May 31), it’s worth taking a closer look at something many people overlook: if you vape, insurance companies will almost always consider you a smoker.
That means higher premiums—even if you ‘only vape socially’.
Why does vaping count as smoking?
In the eyes of insurers, the presence of nicotine in your system is what matters. Most vaping products contain nicotine, which is addictive and has known health risks. So whether you’re puffing on a vape or lighting up a cigarette, your life and health insurance premiums will be based on smoker rates.
This can come as a surprise to many people who view vaping as a ‘safer’ alternative to smoking. While vaping may carry fewer known long-term risks than traditional cigarettes, the science is still evolving—and insurers are cautious.
What can you do?
If you’ve quit smoking or vaping for over 12 months, you may be eligible to apply for non-smoker rates—but you’ll likely need to confirm this through a health declaration or sometimes even a medical test.
If you’re thinking of taking out cover or reviewing your insurance, talk to us first. We’ll guide you through how your lifestyle choices might affect your premiums—and help you understand your options.
Need help quitting?
Call Quitline free on 0800 778 778
