Parent Tip: Can Martial Arts Schools Sell Insurance?
(What Parents in Brigg Need to Know)

by Sensei Andy

Choosing a martial arts school for your child is about more than just punches and kicks. As a parent, you’re trusting a school with your child’s safety, well-being, and development. It is also important to understand the legal side as well.

One question we hear regularly from parents looking for Karate or Martial Arts classes is:

“How much is insurance? Do we need it?”

Let’s clear this up properly.

Can Martial Arts Schools Sell Insurance in the UK?

In short: NO! well...not usually.

Under UK law, martial arts schools cannot sell insurance directly unless they are authorised and regulated by the FCA to do so. This includes personal accident insurance or injury cover.

What schools can do is:

• Require students to have appropriate insurance

• Direct parents to an external insurance provider

• Include insurance as part of a governing body or association membership

However, it’s important parents understand who the insurer actually is and what is being paid for.

Insurance vs “Licences” – What’s the Difference?

Many martial arts schools talk about licences, memberships, or passports. These are often misunderstood.

A licence may:

• Register a student with an association

• Track grades or achievements

• Include insurance provided by a third party

But a licence is not automatically insurance.

As a parent, you are entitled to ask:

• Who is the insurer?

• What does the policy actually cover?

• Is it personal accident insurance or public liability?

• Is insurance optional or mandatory?

A professional martial arts school will always be happy to explain this clearly.

Why Transparency Matters for Parents

If you’re researching Brigg Martial Arts, Karate classes in Brigg or wherever you are, transparency should be a key deciding factor.

Clear information shows:

• The school understands its legal responsibilities

• Parents are treated with honesty and respect

• Safeguarding and duty of care are taken seriously

Vague answers, pressure sales, or unclear explanations are signs you should ask more questions.

What Parents Should Expect from a Reputable Martial Arts School

A well-run martial arts school should be able to explain:
✔ What insurance is required
✔ Who provides it
✔ What the cost is for and where it goes
✔ How safety and risk are managed in classes

This applies whether your child is attending Karate, Kickboxing, Freestyle Martial Arts, or any other discipline.

Why This Matters When Choosing Martial Arts

Parents searching for Martial Arts often focus on confidence, discipline, and fitness.....and rightly so. But behind the scenes, professionalism and legal compliance are just as important.

Understanding insurance, safeguarding, and transparency helps parents:

• Make informed decisions

• Avoid misinformation

• Choose schools that put children first

Final Thought for Parents

Asking questions doesn’t make you “awkward”, it makes you responsible.

A good martial arts school will never pressure you, hide information, or make you feel uncomfortable for wanting clarity.

Informed parents make confident choices.

Looking for Karate or Martial Arts Classes?

If you’d like to learn more about how our programmes operate, our safeguarding standards, or what’s included when you train with us, we’re always happy to explain, no pressure, no jargon.

📍 Located in Brigg, Barton and Winterton, North Lincolnshire
🥋 Structured Karate & Martial Arts programmes
👨‍👩‍👧‍👦 Family-focused and child-centred