I was just wondering what level of insurance MMA students look to get along with their club membership. I'm looking at a few options for my school at the moment and to be honest the level of personal injury cover seems to be fairly poor. I have asked our association for a break down of their personal injury insurance cover avalible (at extra expense to me) in addition to member to member liability and I was told I'm the first club to ever ask to take up and pay extra out for this add on.
I'm going to talk to my own student as well but I was wondering what other students/instructors think. Have you ever claimed on your insurace and would you expect to? Do you take out your own insurance cover and above what your club offers as part of the yearly membership package?