Discover the Hidden Cost of Your Habits
By WeCovr
It's more than just the price tag.
We often overlook how small, daily expenses add up. Habits like smoking, vaping, or regular drinking have a direct financial cost that can amount to thousands of pounds per year. But there's also an indirect cost: the impact on your insurance premiums.
Use our simple, anonymous calculator to see a powerful snapshot of both the direct annual spend and the illustrative long-term effect on what you might pay for protection like life insurance. The results might surprise you!
The True Cost of Habits
Cigarettes smoked per day:
Disposable vapes used per week:
Units of alcohol per week:
Cost of habits calculator guide for UK households
WeCovr's cost of habits calculator helps UK households estimate the real cost of smoking, vaping, and drinking, using indicative information prepared by WeCovr, an FCA-authorised insurance broking firm with over 900,000 policies issued across multiple classes of insurance. WeCovr also supports private medical insurance UK planning, while this guide explains habit costs.
What this cost of habits calculator estimates
The calculator estimates how much common habits cost over time and the potential insurance impact.
It provides an awareness estimate and does not replace tailored health or financial advice.
Estimates monthly and annual habit spend.
Highlights long-term savings potential.
Connects lifestyle choices to protection planning.
Why small costs compound
Daily habits can add up to significant annual spend, which can be redirected to savings or protection.
Why WeCovr supports healthy choices
WeCovr is an FCA-authorised insurance broking firm and has high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance. If you are comparing private medical insurance UK options, we can help you access private health cover through a trusted PMI broker.
Data sources and guidance references
This guide references UK public health data and lifestyle cost benchmarks.
Habit cost examples
| Habit | Frequency | Annual cost | Notes |
|---|---|---|---|
| Cigarettes | 10/day | £2k+ | Depends on price |
| Vaping | Weekly spend | £500+ | Varies by product |
| Drinking | Weekly | £1k+ | Lifestyle dependent |
Related WeCovr resources
FAQs
Does this include gym or food habits?
No. It focuses on smoking, vaping, and drinking habits only.
Are costs fixed?
No. Adjust inputs to reflect your actual spend.
Is this health advice?
No. It is a financial awareness tool only.
Can habits affect insurance?
Yes. Some habits can affect premiums depending on insurer underwriting.
Get your score
Get your free Protection Score
Check how protected you are, spot the biggest gaps, and then decide what to do next.
Answer a few quick questions
See where your biggest protection gaps may be
Move into the right next step if you want help
What you get
A quick view of your current protection position
A clearer idea of where the biggest gaps may be
A direct route to tailored help if you want it