Help stop smoking freebies, we just need a few details to get started
Can't believe I didn't do this earlier! If medical or other evidence of your habit is discovered, your provider can, and probably will, legitimately refuse to pay out and not even refund your premiums.
If you smoke once in a year, you're a smoker. You should never withhold the fact that you're an ex-smoker, as this could potentially invalidate your insurance.
So, quit smoking and you'll save money on a mass of products.