You want to use someone else's aircraft. You follow their rules. Don't like the rules - buy one
MajorCorporalArse, So you think the check ride should be free? Do you also suggest that the aircraft operator pay for the instructor out of their pocket?
Remember an operator's premiums are based on a number of factors, not the least of which is claim history. To hire to anyone who walked in the door on the basis of them waving a licence and log book in your face would, IMHO, be a recipe for disaster.