Checking on insurance started a couple of years ago when the government managed to screw up the economy. The value of the pound fell against other currencies. Most UK insurance is written in sterling (a currency pilots and owners understand) the EU insurance requirements are quoted in SDRs an imaginary currency derived from a mixture of Sterling, US dollar, Euro and Yen.
SDRs are weighted depending on the relative value of the various currencies, so as the value of the pound fell the value of most UK insurance policies also fell to below the EU required SDR limits. The problem was solved by most underwriters adding a clause to their policies saying they would cover the minimum EU requirements regardless of currency fluctuations.
The CAA know the underwriters have done this but they seem to have decided to carry on wasting time and money checking.
Time to spare, go by air
Hen Ddraig