In some countries the insurance companies dictate that the owner of the aircraft has to appoint a person who does the checkout's. This does not have to be an instructor at all! It has happened to me!
I understand that I have to show some capabilities. Why should it be to an instructor? So I am captain.
What I do is I'll say in advance that I am logging PIC. Sometimes the instructor will tell me he'll log the hours too. I say them that it is illegal to do so, but that is up to them (they agreed that I was going to be PIC).
I do this because I need the hours. I can do this because I think it is a legal way to do. It is the CAA not laying out the rules.
Questions / comments welcome.
Regards,
Jeroen