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Buying insurance for Muay Thai classes is it simply a membership rip off?
It's true, most martial arts insurance is a con and not worth the paper it is printed on.
Most martial arts instructors do find they need to have public and member to member liability in place to be able to hire premises. It is entirely reasonable for the instructor to charge students to not only pay for member to member insurance but also contribute towards public liability insurance needed by each of their teaching staff. That said, some instructors do add a bit (or even a lot) extra for their own pockets as part of the yearly membership / insurance package.
Your instructor will make money off you in many ways: monthly contracts, gradings, merchandise, membership/insurance, competitions. He is offering a service in exchange for money in the same way that you are as a contractor. He has the right to implement his business in any way he chooses. You have the right to either sign up or walk away.
The BJA is a good organisation. It wouldn't surprise me if their insurance is among the best.
There is also the option of a practitioner taking out their own insurance on top if they're worried about loss of earnings that might occur through injury. Decent insurance will cost from £50 upwards depending on your circumstances.
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