Car insurance & being outside of the UK more than 6 months

Hi all,
Just wondering why it's an option relating to how long you've lived in the UK and often in the more info it states that more than 6 months classes as living outside the country.
And how this option affects the insurance price.

Also in some countries, Australia for example you insure the car and not the person so there will be no no claims but still lots of driving experience.

Many thnaks
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