I wasn't referring to the increased Insurance payments in my posting as the conversations I had with the various riders took place before this new ruling. But what is going to happen to people who ARE ACU licence holders? I know of a rider who had an accident in Northern Ireland and when approached, the insurance company said that he was not sufficiently covered to be flown back to England by Air Ambulance. I seem to remember a similar case recently but can't remember where I read about it.