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Make Smoking Hot Savings by Kicking the Habit


News provided by

moneysupermarket.com

26 Jun, 2012, 08:00 GMT

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CHESTER, England, June 26, 2012 /PRNewswire/ --

  • Fifth anniversary of Smoking Ban in England on 1st July 2012
  • Ex-smokers could have pocketed £7,250[1]in the last five years by not smoking
  • Non-smokers can save £4,209[2]over the term of a life insurance policy, says MoneySupermarket

Five years 'smoke free' could have saved recession-hit Brits £7,250 on cigarettes alone since the introduction of the Smoking Ban in 2007, according to MoneySupermarket.com.

Research by Britain's number one comparison site found that as well as saving on the cost of cigarettes Brits can make an impressive saving on life insurance including critical illness cover if they've kicked the habit. A 30 year old male smoker wanting £100,000 of cover over the next 25 years would fork out £36 a month with Scottish Provident, but only £22 if he was smoke free for 12 months; a saving of £14 a month, or £4,209 over the full term.[2] For women, the cost saving over the term would be an equally impressive £2,052. NHS research shows that while there has been no significant difference in the number of adults giving up smoking since the Smoking Ban came into force in 2007, the statistics reveal two thirds of current smokers would like to give up.[3]

Emma Walker, protection expert at MoneySupermarket, said: "They say 'there's no smoke without fire' and for addicted Brits the cost of cigarettes no doubt burns a hole in their pocket. But, five years down the line from the Smoking Ban anyone who kicked the habit for good will not only have saved a packet, they'll have taken a big step to improve their health. The cost smoking adds to the price of a premium for life insurance or critical illness is considerable and should be one reason for anyone to consider quitting.

"In order to be classed as a non-smoker and qualify for life insurance premium savings, insurers insist smokers have packed it up for a full year.[4] Once smokers have given up for 12 months - this includes any tobacco-replacement products they might be on, such as nicotine patches - they should go back to their insurer and ask for non-smoker rates; subject to tests to prove they've quit of course."

MoneySupermarket found that by giving up, smokers can also save money on single life insurance cover. It would cost £10.59 a month for a male smoker with Ageas but £6.81 for someone who has quit the habit - a saving of £1,134 over the term.[5]

Emma Walker continued: "Looking at the savings that can be made over the long-term can be a real eye-opener. The better your health, the cheaper your premium and by quitting you won't be burning your hard-earned cash either. It is essential to do your research to get the right premium for you - shop around for the best deals currently available on the market and decide on the most cost-effective deal to best suit your circumstances."

Notes to editors:

[1] The daily consumption of cigarette per smoker in 2012 is 14 for men and 12 for women meaning an average of 13 per day: http://ash.org.uk/files/documents/ASH_106.pdf

According to data from the TMA the average cost of cigarettes has been multiplied by the average number of cigarettes smoked a day by the average smoker on an annual basis since the ban was introduced on 1st July 2007. The total amount comes to £7,237.70:

http://www.the-tma.org.uk/tma-publications-research/facts-figures/uk-cigarette-prices/

[2]Top five table based on 30-year-old male wanting £100,000 over 25 years for single life or earlier critical illness cover

                                                            Saving
                               Total               Total     per     Saving
                    Monthly   premium   Monthly   premium  month by for term
                    premium   over 25   premium   over 25    not     by not
       Provider      smoker    years   non-smoker  years   smoking  smoking
    Legal & General GBP33.51 GBP10,053  GBP21.24  GBP6,372 GBP12.27 GBP3,681
    Ageas           GBP33.75 GBP10,125  GBP22.89  GBP6,867 GBP10.86 GBP3,258
    Aviva           GBP35.10 GBP10,530  GBP22.00  GBP6,600 GBP13.10 GBP3,930
    Bright Grey     GBP35.65 GBP10,695  GBP22.88  GBP6,864 GBP12.77 GBP3,831
    Scottish
    Provident       GBP36.09 GBP10,827  GBP22.06  GBP6,618 GBP14.03 GBP4,209

Sourced by http://www.moneysupermarket.com 19.06.2012

Top five table based on 30-year-old female wanting £100,000 over 25 years for single life or earlier critical illness cover

                                                         Saving
                             Total               Total     per    Saving
                  Monthly   premium   Monthly   premium   month  for term
                  premium   over 25   premium   over 25  by not   by not
      Provider     smoker    years   non-smoker  years   smoking smoking
    Ageas         GBP26.96  GBP8,088  GBP21.65  GBP6,495 GBP5.31 GBP1,593
    Legal &
    General       GBP28.22  GBP8,466  GBP21.81  GBP6,543 GBP6.41 GBP1,923
    Aviva         GBP28.70  GBP8,610  GBP22.70  GBP6,810 GBP6.00 GBP1,800
    Bright Grey   GBP29.77  GBP8,931  GBP23.04  GBP6,912 GBP6.73 GBP2,019
    Zurich        GBP29.87  GBP8,961  GBP23.03  GBP6,909 GBP6.84 GBP2,052

Sourced by http://www.moneysupermarket.com 19.06.2012

[3] NHS research among adults aged 16 and over in Great Britain in 2008/09, report published titled 'statistics on smoking' in England in 2011: http://www.ic.nhs.uk/webfiles/publications/003_Health_Lifestyles/Statistics%20on%20Smoking%202011/Statistics_on_Smoking_2011.pdf

[4] Non-smokers' must be cigarette free for 12 months but also free of tobacco replacement products. If someone is using nicotine patches for example, they will still be deemed a smoker

[5]Top five table based on 30-year-old male wanting £100,000 over 25 years for single life cover

                                                            Saving
                                Total               Total     per    Saving
                     Monthly   premium   Monthly   premium   month  for term
                     premium   over 25   premium   over 25  by not   by not
       Provider       smoker    years   non-smoker  years   smoking smoking
    Legal & General  GBP10.10  GBP3,030  GBP6.25   GBP1,875 GBP3.85 GBP1,155
    Aviva            GBP10.14  GBP3,042  GBP5.86   GBP1,758 GBP4.28 GBP1,284
    Zurich           GBP10.40  GBP3,120  GBP6.50   GBP1,950 GBP3.90 GBP1,170
    LV=              GBP10.50  GBP3,150  GBP6.33   GBP1,899 GBP4.17 GBP1,251
    Ageas            GBP10.59  GBP3,177  GBP6.81   GBP2,043 GBP3.78 GBP1,134

Sourced by http://www.moneysupermarket.com 19.06.2012

Top five table based on 30-year-old female wanting £100,000 over 25 years for single life cover

                                                            Saving  Saving
                                Total               Total     per     for
                     Monthly   premium   Monthly   premium   month  term by
                     premium   over 25   premium   over 25  by not    not
       Provider       smoker    years   non-smoker  years   smoking smoking
    Aviva            GBP6.99   GBP2,097  GBP5.00   GBP1,500 GBP1.99 GBP597
    Legal & General  GBP7.53   GBP2,259  GBP6.00   GBP1,800 GBP1.53 GBP459
    Ageas            GBP7.78   GBP2,334  GBP5.86   GBP1,758 GBP1.92 GBP576
    LV=              GBP7.90   GBP2,370  GBP5.49   GBP1,647 GBP2.41 GBP723
    Zurich           GBP8.00   GBP2,400  GBP5.30   GBP1,590 GBP2.70 GBP810

Sourced by http://www.moneysupermarket.com 19.06.2012

MoneySupermarket.com's customer commitment

  • No other site compares more prices or products
  • We are independent so only find the best deals for you
  • The price you see is the price you pay - you don't need to go direct and you won't get a better deal doing so
  • Your details are safe with us and we won't sell them to anybody

For further information, please contact:

Nicki Parry
PR Officer
+44(0)1244-370318
nicki.parry@moneysupermarket.com

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