Zac_A:
Grant Shapps et al need to have a word with the Association of British Insurers to address the validity (if any) of the “two-years experience” caveat. But it’s much easier for him to talk about bringing back Johnny Flip-Flop as the answer to the problem.
There is nothing preventing a company going to an insurance company and asking the underwriter to look at a specific case. I think insurance companies are more amenable to that at the present time, because they understand the situation.