Ummmmn,
If you have an RYA international licence, then you should have a letter PJD/(WOSEAINS) with your photo on it, confirming 3rd party insurance up to £ five million - valid for the entire race season at any international event approved by the UIM.
If you dont have an international licence, you cannot race.
If you have the international licence, you have the insurance!
( 3.1 million euro < 5 million pounds )
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