Ultimately, it's your Fathers decision. It's his airplane, and although you are perfectly legal to act as PIC, or to log PIC as the sole manipulator of the controls (from either seat), Lawfly is correct in that the insurance company could theoretically deny a claim if they could prove you caused damage to the airplane.
Bottom line, if your dad hands you the controls, LOG THE TIME. He understands the insurance implications. If he is too worried about the insurance, he will either; a) not let you fly the plane, or b) pay a higher premium to get you on the insurance.
Bottom line, if your dad hands you the controls, LOG THE TIME. He understands the insurance implications. If he is too worried about the insurance, he will either; a) not let you fly the plane, or b) pay a higher premium to get you on the insurance.