As a member you will need a Wing Chun UK Licence Membership book which costs just £35 per year, renewable each January. This covers you as a student for member to member indemnity insurance. You are then covered up to the maximum sum of £1 million (if you feel you need higher cover then naturally this can always be arranged by yourself through an insurance provider for Martial Arts).
The Wing Chun UK membership book also acts as a record for keeping your grading achievements.