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Understanding VAT and Insurance Through BMABA

Joe avatar
Written by Joe
Updated over a month ago

At BMABA, we’re committed to transparency when it comes to how we structure our pricing—especially regarding VAT and insurance. This article explains how VAT applies to our services and how insurance is provided under our group cover arrangements.


Insurance: VAT Exempt and Delivered Through Our Group Cover Policy

All instructor and club insurance provided through BMABA is issued via our group cover policy, underwritten and managed by leading UK insurers. This means you do not receive an individual insurance policy in your own name, but are instead covered under a master policy arranged and maintained by BMABA.

Because this cover is structured as a group insurance product, it is fully compliant with UK financial services regulation and, importantly, is treated as a VAT exempt service.

This means that where your monthly or annual subscription includes insurance (for example, instructor public liability, professional indemnity, or club liability cover), no VAT is charged or applied to that portion of your fee.


Our VAT Status & VAT-Inclusive Pricing

BMABA CIC is a fully VAT-registered organisation.
Our VAT Registration Number is: 373018216

We are legally required to charge VAT on all applicable services. This includes—but is not limited to:

  • Membership and licensing fees

  • Assistant instructor registrations

  • Digital downloads and online resources

  • Any applicable CPD or professional development content

  • Club management tools and systems (where not exempt)

All of these services are quoted and invoiced on a VAT-inclusive basis, meaning the price you see already includes VAT at the standard rate (currently 20%).


Summary

Service

VAT Status

Notes

Instructor Insurance

VAT Exempt

Supplied via group cover policy

Club Insurance

VAT Exempt

Part of the same group cover arrangement

Membership Fees

VAT Inclusive

Standard-rated VAT is included in the displayed price

Assistant Instructor Licences

VAT Inclusive

Charged at 20% VAT, included in the price shown

Digital Tools & Resources

VAT Inclusive

Where applicable


If you require a VAT breakdown for accounting purposes, please contact our team and we’ll be happy to provide a VAT invoice showing the appropriate exemptions and charges.

If you have any further questions about VAT, insurance, or how our group cover policy works, feel free to get in touch with us

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