Source link : https://london-news.net/navigating-homeownership-the-struggles-of-disabled-buyers-in-a-system-designed-for-the-non-disabled/
Acquiring your first home represents a significant milestone in life, but it also presents numerous challenges.
For Katie Anna McConnell, an access consultant and dance instructor, her disability has intensified these obstacles.
After she successfully purchased her initial residence, major insurance providers denied her access to life insurance, critical illness coverage, and mortgage protection policies.
“People with disabilities are not receiving the same level of support as those without disabilities, which I believe epitomizes discrimination and ableism,” she remarked.
Living in London, Ms. McConnell eventually found coverage through a specialist insurer, though she noted that this policy excludes any conditions related to her disability, resulting in significantly higher premiums.
“My disability is not going away; it’s a chronic condition without a cure, and it’s something you cannot simply outgrow or treat away.
“Owning a home like I do does not guarantee my ability to cover my mortgage payments.
“I must ask myself whether I can afford to be unwell, and that feels deeply unsettling.”
A representative from the Association of British Insurers (ABI) commented, “The Equality Act allows insurers to consider disability when it genuinely influences the risk level associated with a policy. Depending on personal situations, this could affect aspects such as specific exclusions, pricing, or policy availability.”
While Ms. McConnell has secured insurance,…
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Author : rimmaruslan98@gmail.com
Publish date : 2025-10-26 15:19:00
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