ACU licence holders are covered automaticly for ACU events and of course for the purposes of an event on the IOM they are also covered for medical cost by the fact that there is a NHS.

Riders from Ireland are MCUI licenced and as such are caught for this increased premium for increased cover. However MCUI licence holders from Northern Ireland which for the time being is part of the UK and therefore part of the NHS are I feel being unfairly expected to pay for this extra cover which is totally unneeded. If a Northern Irish rider needs hospital treatment he/she will get it on the IOM from the NHS and the cost of getting him her home if injured was easilly covered by the FIM minium.
As are Southern Irish Riders in a EU wide health care agreement between the EU countries.

I'm sure Larry Devlin can explain this in a much better way than me.
He IS the insurance expert