MANCHESTER, UNITED KINGDOM--(Marketwire - March 15, 2010) - UK smokers are forking out at least 20% more on home insurance than their non-smoking counterparts, according to leading high street insurance retailer, Swinton.

With nearly a third of all house fires caused by smoking and more and more people smoking at home as a result of the smoking ban, smokers are often perceived by home insurance providers as higher risk resulting in more expensive premiums.

Steve Chelton, Insurance Development Manager at Swinton said, "Smoking is an expensive habit in itself, but many people do not realise the implications it can have on their household insurance policies. Most insurers will now ask if you are a smoker. British non-smokers could save up to 20% on their house insurance which offers an additional incentive to quit."

For those unwilling to break the habit Swinton is offering the following advice:

• Check that at least one properly maintained smoke alarm is present on each story of your house and install if absent

• Consider smoking outside, especially in the evening when you're likely to be more tired

• Never smoke in bed

• Never leave a cigarette unattended

• Keep matches and lighters away from children

About Swinton

• With over 600 branches nationwide Swinton is the UK's largest high street insurance retailer

• Unlike many other companies in the financial services industry, Swinton is committed to keeping its branches open for business, and part of the community 

• Swinton provides a one-stop-shop for the insurance and related needs of its clients, offering home, car, caravan, business, holiday, motorbike and even classic car insurance.