Instructors can't train on their own in RAAus. They have to operate in conjunction with an approved training Organisation. I also Have never Instructed VH outside an organisation. Another form of training is ICUS . In Command Under Instruction .You get this on line and even when you are carrying Pax. Junior Instructors don't send students solo till they have a certain Level of experience. To be a CFI needs even more and you must do the PMI exam.. I don't quite Know which statement you refer to specifically but the Instructor authorising you should take into account your experience and recency for the routine you are going to do and the weather conditions forecast. I have NEVER had radio contact prior arranged for any solo aerial work. I'm a great Believer in briefings before flights. . The subject of Aircraft Insurance never came Up. I know Aircraft have been damaged ( fortunately None I've been involved with). I've never known of any person made to pay money for aircraft Damage.. The most worrying legal actions involve Members of injured or Killed Pax families taking action against the Pilot as far as I'm Concerned. That's where the BIG figure$$$'s action is.. Be wary who you carry. Nev