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