I've just done an insurance review for the English Karate Governing Body.
The person to person insurance that goes with your association registration probably cost your association less than £1, you should see the policy document and ensure that you have a minimum of £5m cover in case you are sued by another practitioner.
More importantly, anyone teaching you should have a minimum of £5m professional indemnity cover - and you should be able to see their insurance policy document from the insurance company with their name on it (not an association certificate as there are many 'scams" around).
Another really important point for all UK instructors with professional indemnity insurance to understand is the difference between "claims made" and "claims occurring" on their policy. "Claims made" means that all the time that you are covered by the policy you are covered for any event whenever it occurred, but when you cease cover you need a 'run off" policy because you're not covered for whenever when the policy stops.
"Claims occurring" means that you are covered for the term of the insurance only.
Many people this year have switched from one type of policy to the other as the claims occurring policy is cheaper and it means that they are not covered for the past.......
Be warned.... this is REALLY important!