Backpacker
Sadly pilots need hours especially in the early days. hours cost a lot of money so I have some sympathy.
there used to be pilots in the USA who would sell turbine time just taking someone along in the right seat or even selling fictitious time full stop!
So I do not really have that much of a problem with someone flying from the right when qualified to do so and logging the hours whetherv he is on the insurance or not!
If he is not on the insurance log it after the event when all is ok if something happens the insured guy is PIC
Pace