Garry
An insurance company can impose any conditions it likes on the cover it provides, and you can choose whether to fly your own aircraft in compliance with those conditions, and be covered, or not in compliance with those conditions (but still legally), and not be covered.
But that’s by the by. If by “complex aircraft” you mean that it has one or more special design features as defined in the CARs, I don’t see how an instructor could authorise you to fly it as PIC before you’d completed the GFPT anyway.
