Borrower insurance: what is the purpose of the non-smoker declaration?


The non-smoking statement should not be overlooked (Photo credits: Unsplash – Mathew MacQuarrie)

Specific point of the health questionnaire that you will often have to fill in to take out mortgage loan insurance, the non-smoker declaration is one of the key elements that allows the insurance company to establish a proposal for insurance coverage.

The non-smoker declaration

Depending on the insurance companies, the non-smoker declaration can be integrated into the medical questionnaire or be the subject of a separate document.

In any case, the insurer must refine your risk profile, i.e. gather as much information as possible about your situation, your habits and your state of health, in order to assess the level of risk he takes by agreeing to guarantee your mortgage for the years to come.

In this context, whether or not to be a smoker takes on particular importance since this lifestyle habit can have particularly harmful consequences on your health.

When it establishes its proposal, the insurer may decide to impose an additional premium or even an exclusion clause relating to the possible consequences of smoking on your health.

Good to know: The non-smoker declaration is not systematically required to take out a contract. Thus, you are not asked any questions about your smoking when you take out Boursorama borrower insurance.

How do you know if you are a smoker or a non-smoker?

To know which box to tick, your situation must correspond to strict objective criteria:

Non-smoking box: If you have never smoked.

If you have smoked at one time but have quit permanently for a period of time defined by the insurance company.

Each relapse restarts the delay from its starting point. Quitting smoking must be on your own initiative and not requested by your doctor for health reasons.

Smoker box: If you smoke, even occasionally. If you vape, check with the company to find out if you are considered a smoker because opinions differ on this point.

What happens if you smoke again?

If you declared yourself a “non-smoker” when you took out your borrower’s insurance but you relapse or simply start smoking, you are required to report this change to your insurance company.

Conversely, if you were a smoker when your contract was opened, but you quit more than 24 months ago (deadline generally adopted by insurers) remember to report it: you may have to carry out a urinary or salivary cotinine to prove your statements, then you can request a review of your risk profile with perhaps a reduction in contributions, the removal of an exclusion clause linked to your smoking, etc.

What is the risk in case of misrepresentation?

Being a smoker certainly has an impact on the loan insurance proposal made to you, with the key to possible additional premiums or exclusion clauses, which could make the insured want to reduce the declaration of their tobacco consumption. , or even to declare oneself a non-smoker even if it is false.

Please note that the insurance code is very clear on this point: article L.113-8 indicates that “any intentional misrepresentation may result in the nullity of the contract”.

In other words, if the insurer obtains proof that you smoke when you have declared that you are a non-smoker, it is entitled to cancel your contract and not to compensate you, even if the loss of which you are the victim, an accident, for example, has nothing to do with your smoking.

Stephanne Coignard ([email protected])

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