Refer to the national regulations for solo flight in that class of aircraft (irrespective of "club" or owner's rules). Do you meet the requirements of your license for solo flight? If so, you should log that flight as PIC. If you take along an instructor or other pilot for a proficiency check, which would not be required by the national authority to validate your license, they don't have reason to be PIC, unless you ask them to, and I cannot imagine why you would. That pilot may simply be filling a role to restart you currency or recency, which are nearly always associated with passenger carrying privileges.
If your license would not permit the intended flight as a solo flight, you'll need to take along a PIC who is rated for that aircraft.
If the purpose of the flight is to renew your recency for acting PIC in that type, which you had previously held, I cannot imagine why an instructor or check pilot would suggest that you were not PIC for that flight! It is that skill they are evaluating!
It is likely that an insurance company would like a "check flight" of a not recent pilot. The insurance company does not care how you log the time, as long as you do, so default to PIC, unless you were not entitled to fly that flight by the terms of your license.
If you prior agreement as to crew duties results in the instructor telling you that they will act as PIC for the dual flight, I would ask them why. You certainly pay them for their time with you, but if you have earned the privilege of flying in PIC in that type, and that privilege is valid, you should be recording the aircraft time you're paying for as PIC.