I joined the de Havilland Queen Bee group following a break of 2 years after getting my PPL. Did a couple of hours in an Archer, got bored and saw the advert in Flyer for the Bee.....
As for insurance, the company were very understanding and didn't increase the premiums, what they did do however was layer my excess.
Initially my liability was £1000, then after 10 hours P1 on type reduced it to £750. Now with more than 50 hours P1, my excess is the same as the rest of the group.
Enjoy your PPL, and as MadamB suggests... flying is the easy bit. You may have a 15kt wind straight down the strip.... but getting a tail skid with no brakes too and from the strip is another story!
TBK