Insurers use a multitude of information to determine risk in order to calculate premiums, and unfortunately this can mean an increase in premiums that is unfair. Ultimately it is in the hands of the insurers to determine what they consider a higher risk, and they believe that having lived outside of the UK means a driver is at greater risk of incurring a claim. We can only suggest shopping around and hopefully you will find an insurer that offers you a better quote.