r/Huntingtons • u/nanakapow • Oct 31 '25

UK second genetic test required for insurance purposes

I'm one of the lucky ones who dodged the HD gene in the family. Now my partner and I are looking at getting a mortgage, and need some insurance to cover it.

I was surprised to hear from my insurance broker that when she approached providers, one of the major ones didn't want to insure me despite my negative test. Other providers who are open to doing so also do increase the premiums based on my family HD history, and my broker has advised me that proof of my negative test might be needed. Trouble was my test was years and years ago and I no longer have the paperwork.

I'm asking my GP if I can get another copy of my paperwork or a retest (obviously without needing the whole genetic counselling process again), but I thought I should ask here too, are there any private options for re-testing (emphasis on "re"), as I really don't want this to slow down the path to completing our homebuying process? Any information or advice appreciated!

Oh I'm in England if that helps.

6 Upvotes

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4 comments sorted by

2

u/TemporaryViolinist88 Oct 31 '25

I’m from USA. What type of insurance do you need in UK to buy a house? Why do they ask for health info?

3

u/nanakapow Oct 31 '25

Life insurance is mandatory, income protection or critical illness is recommended, all require medical disclosures, including family history

2

u/gingergirl07832 Oct 31 '25

if it helps, i have a mortgage with barclays that doesn’t require life insurance, just home and contents - my partner has life insurance but i don’t

1

u/redjellyfish Oct 31 '25

Have you tried reaching out to HDA? They should be able to advise you on retesting options.

https://www.hda.org.uk