Interesting that they mention about the electoral roll because I am on the electoral roll at my address and have been for many years.
Comfort told me that because I do not own the house and do not rent it they say that I must be fulltiming and must pay the enhanced premium.
To be fair I do spend a lot of time away either working or travelling. However there must be other people out there who do as well, but as they own their own house, even if rented out, don't get charged the enhanced premium.
I have come to terms with the fact that to enjoy the lifestyle and freedom that I do, it is going to cost me x amount of money.
At least Comfort will reimburse you when your circumstances change.