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  4. Do I need to see a doctor before I buy cover?

Do I need to see a doctor before I buy cover?

Nope - there’s no need to visit the GP. Just answer a few quick questions (including if you smoke) and we can give you a quote.

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I’m a smoker. Will this affect my cover? What substances count towards smoking?

Yes, smoking will affect how much cover we can offer you. This is because smokers may be more likely to develop some...