Now, I am a non-smoker and non-drinker but have tried only once smoke and drink that too neglegible quantity and years ago. Also am not smoking or drinking now, however, in future if I require to smoke or drink socially and occationally, will this raise a problem while claim?
Now as you have just tasted, you can write no in the proposal. If in the later years you start drinking or smoking, please inform the insurance company about the same as and when this happen. You can do this just by sending an email with mentioning your policy details.