A bit of both.
Yes you have to pay to become a member but only after a series of interviews and inspections because you have to pass a series of practice codes which they set out for you to meet.
In the past when we looked into gettjng our selves as insurance approved, we found that the there was no such standard. As long as you can work quick, produce satisfactory results and willing to bend financially in favour of the insurance companies cheaply, you will be insurance approved.
Dealership approved is much more difficult. You need to be part of an automotive board such as the VBRA even before you can approach a dealer for work.