Please, everyone be aware that it is in you best interests to obtain personal sports insurance.  Especially if you are self employed.  Club membership does include the standard RFU insurance, however it is pretty basic and essentially just covers Loss of a Limb, Permanent Disability or Death.  There are variations of this, of course.  The Policy Summary can be found at http://www.community-rugby.com/communityrugby/index.cfm/Fuseaction/Home.Story/StoryTypeId/155/SectionId/1422/StoryId/16177.cfm

Stuwie Q