Change of underwriters left woman without insurance for second home in Scotland<\/p>\n
\n Judi Christie has struggled to insure her UK home has struggled to insure her UK home
\n Judi Christie\n <\/p>\n
A British woman from the Gard has described her post-Brexit difficulties with home insurance for a UK property as a French resident.<\/p>\n
Judi Christie, 62, who has a second home in Scotland, said her UK insurance brokers, Towergate, had informed her they could no longer insure the property due to a change of the company underwriting the policy (from RSA to Canopius).<\/p>\n
\u201cI called them and they told me it was a new law, held over from Brexit, that was being activated and they could no longer insure properties not held by British residents,\u201d she said.<\/p>\n
She said she had tried new brokers, but they also told her that many insurers now have issues with people resident overseas, even if they have British nationality.<\/p>\n
Read more: How do drivers prove French vehicle is insured when driving in the EU?<\/a><\/p>\n Co-ownership<\/p>\n Getting a UK-based family member to be a co-owner had been suggested as one possibility, she said. French companies told her with \u201cno eye on the [UK] property\u201d it was not possible for them.<\/p>\n \u201cNow I\u2019m without insurance since the end of May,\u201d she said.<\/p>\n Towergate told us that in deciding to move to a new provider, they had sought a solution that suited the majority of clients. However, \u201ceach insurer has its own acceptance criteria and risk appetite, which can vary significantly,\u201d a spokesperson said.<\/p>\n \u201cWhile RSA was comfortable with the previous arrangement, Canopius has taken a more cautious stance. This is likely due to several considerations, such as increased underwriting risk, regulatory and tax complexities, and legal jurisdiction challenges, which can make claims handling more complicated.\u201d<\/p>\n