[K Baz]

Personally I prefer full disclosure.

In my area its have you used any form of tobacco in the past 12 months - if yes smoker.

They do have a couple of companies that have cigar smoker rates. But it depends on the amount of cigars. If you smoking 50 cigars a year they will class you a smoker in my area.

I would personally and I have declared my smoking use and it costs me 15 $ a month more but thats cheap in my world for peace of mind.