Regarding insurance are we not covered under the clubs insurance? Im happy to insure myself as well. i do for skiing. is it in case we injure another. id never really though about it. I will look into it. I went up to brown belt up to about the age of 14. not sure why i stopped just faded out really, a ltitle was my fathers unhappiness at the club, as he felt just letting people pass gradings. Im now 42, do a relatively sedentary job although i like to keep fit but not a traditional gym bunny. Weve been doing TSD for 9 months. The club and its "parent" club are in in my village and has a good reputation. Looking was prompted by a desire for the kids to do it but if im honest i was looking for an excuse to get back into it. I like like learning, feeling a degree of progression. It centres me on my body rather than mind, if that makes any sense. There is liitle contact even for adults so i was looking for another style for myself to compliment the TSD. I was considering jui jitsu or wado ryu but found the same little contact in the local clubs. so i considered Kyokushinkai then I discovered a mate, who i knew did martial arts was a qualified instructor hes 2nd dan in chen sau kung fu 20 years experience (there is supposed to be 3 dans in their style) and there only seems to be 2 clubs in the world in this style) he also trains in wado ryu and uichi ryu. I was invited to attend and liked what i found and my attitude fitted in. i attend his club/training sessions in his large garage converted into a dojo. This is grade and parner appropriate levels of contact. 6 of us attend, two seconds dans and 3 others of varying experience. its free (on philosophical grounds) and a great opportunity to learn. I have been attending 4 hours a week for 4 months and may grade end of this month. My wife and children limit themselves to the TSD. I am purple belt. The belts whilst giving me a goal and a degree of achievement are not in and pof themnselves important. Ive not seen anyone fail a grading but as long as i progress and do my best im usually slighty dissatisfied with myself ! the Kung fu gradings will be tougher, i will fail if not up to it, i prefer it this way. Thanks again for the replies