In reply to FreshSlate: You'll find most clubs charge an annual subscription, but if the club is BMC affiliated that includes many of the benefits of BMC membership, including 3rd party insurance. You'll also get BMC discount on gear at a lot of retailers, so if you can't make the sub pay for itself you're not really trying! On top of which, clubs are a great place to meet lots of climbing partners with differing backgrounds and experiences, and most are very sociable.
Have a look at Innominata Mountain Club, which meets first and third Thursdays each month at the Phoenix in Hazel Grove (on the A6 opposite Sainsbury). Regular evening meets in the Peak, weekends away and longer trips abroad.
The website (soon to be updated) is www.innominata-mc.co.uk