Peter Maynard analyses modern smoking behaviours and weighs up their risks for insurers
There has been some pondering within the industry lately about smoking and e-cigarettes and whether the latter deserves more lenient treatment - specifically, should e-cigarette users (or ‘vapers') be entitled to a reduction on the usual smoker premium surcharge? The dangers of smoking cigarettes, cigars and pipes are well known and well understood. On the face of it, vaping is safer since e-cigarettes deliver nicotine without the dangerous tars and other toxins found in tobacco smoke. However,...
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