Hi just to let you all know I phoned my insurance this morning (Guild of beauty therapists) and they said that if I just followed what I had been trained in I would be fine- I explained that I had trained with the Carlton Institute and the that patch testing wasn't covered but in my manual it states that a patch test is only required if someone has had an allergic reaction to tanning products before- my insurance said this was fine and just to continue to follow everything in my manual and that way my insurance would always be valid.
Obviously I know everyone is insured by and has trained with different people so it is important you all check with your own insurer but above is the information I was given from my insurance.