Can cannabis smokers get income protection insurance?

I occasionally smoke cannabis and was wondering if it would matter if i was to apply for income protection? In the past I’ve been a regular smoker but not so much recently.

Question asked by Russell Scott
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Answered by Josh Martin

Cover might depend on how often you’ve smoked cannabis

When it comes to cannabis use or drug use in general, it can be difficult to obtain income protection insurance.
If you have smoked cannabis on a one off occasion or rarely then there is a possibility of obtaining cover.

However, if the cannabis use is regular then it is likely that most insurers will decline from offering cover for income protection.

Insurers will often require that you have gone a number of years without smoking cannabis or taking drugs as this will show to the insurers that you are no longer a user of recreational substances.

Although cannabis smokers may feel this is harsh, there are health risks associated with smoking and smoking cannabis which can make it difficult for insurers to cover this risk.

Speak to an adviser

It is worthwhile putting yourself in contact with an adviser at Drewberry Insurance to obtain the best cover for you based on your personal circumstances.

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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