Nice one. I actually thought the same thing and emailed the APA for clarification a few days ago now. As yet they have not responded. Don't know if that means they are trying to work out how to respond? I'll let everyone know anything I hear back on this issue. I have APA membership which actually includes the insurance as there is no option not to have it. But I also maintain my physiosure policy as they have been stable with the one company, CGU since they started. I think that and their extras is a good reason to choose them. I think APA should give a much bigger membership discount if you don't want to have their insurance included.