Some groups, especially for complex or demanding types, do require certain levels of experience. But the picture is not as bleak as it might appear for newly qualified PPLs. In my experience of talking to groups, people find the general attitude, airmanship and demonstrated skills of the applicant more significant than arbitrary numbers of hours. It is true that one must be insurable. As with car insurance there may be an increased premium and / or excess for a newly qualified pilot. And for a type you have not flown before, you will obviously have to undergo appropriate training, including differences training where needed. But many things are possible. I bought into a Yak syndicate when I had only about 85 hours, did ten hours of very tough dual conversion training before first solo (and have done more since...). I had very large excess on the insurance for the first 25 hours on type, whereupon it reverted to standard. Ask around... if you want to join a syndicate and you're a few hours short, talk to them anyway, if the other members like the cut of your jib, or you come well recommended by an instructor they know and trust, they might make an exception for you, and reach some sort of deal with the insurer.