"Bose-X is correct and BTW"
dhorgan, what's the basis on which you make this statement? Where does it say so in the regulations? As I and others have said, the HoT of an ATO is empowered to devise an appropriate training programme. The AMC specifically says ...
"develop an individual training programme that should be based on the initial training for the issue of the rating" (thanks ifitaint...)
so, that would include solo flying where judged relevant by an HoT.
Insurance? My club insurance covers the aeroplane to be flown by students for training - no issue there.
AAIB? Ditto what MJ said
Let's not invent difficulties and complications which do not exist in the regulations. rather, lets work within the rules to deliver quality training for our students and make them into safe, competent and confident pilots.
3 Point