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Summary

Smoking, have we considered all the costs of our favourite vice? We all know the price is running skywards just for purchasing a packet of our favourite brand, but have we considered the true savings to be had by kicking the habit?

Stop smoking and get all those things you thought you couldn't afford

Author: Andrew Tuthill

Not only do we smokers pay through the nose for the privilege

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Life Insurance News

of our habit, we almost certainly put ourselves into an early grave too. Smokers do die younger, at least on average (we all know one aunty, uncle or granddad who smoked until they were 100 - and 'it did them no harm', but this is the exception not the norm). In fact, figures show that 83,200 people die each year in England alone due to smoking related illness. Not a pretty picture and one to consider when lighting up that next cigarette.

With the cost of smoking having already reached an incredible average of £92,000 in a lifetime, you really could get all those items you thought you couldn't afford, if you could give them up. £92,000 could buy a very nice car, many luxury holidays, even a house and the savings don't stop there.

After the initial staggering cost of buying cigarettes there are many other savings to be had too, life insurance being one of them. Insurance companies are obviously going to up their price for a smoker who is much more likely to contract a serious illness than a non smoker, it stands to reason. Premiums are actually generally around 50% less for a non smoker.

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Did you know?

There can be a price differences between car insurance quotes by as much as 50%. That means it really pays to shop around. And don't forget, when it comes to renewal time shop around again! Don't automatically accept a renewal notice!

Today's Tip

If you want cheap motor insurance quotes then ensure you get some quotations from car insurance brokers. The brokers will compare the premiums from the various UK insurance companies and find you the best deals. And as in many things in life, remember that the cheapest is not necessarily the best – always check out the details of the insurance cover – for example, whether legal assistance or windscreen cover is included and whether a courtesy car is provided if your car is being repaired. Also check out the excesses on the policies you are being offered.

Did you Know?

If you smoke, the cost of your life insurance will be about double. And it's no use just giving it up a few weeks or months before you apply. Most life assurance companies say you mustn't have smoked for a least 12 months prior to the application – and some insurers extend this to 5 years!