Insurance policies for more complex aircraft usually have a minimum hours and training clause so the owner would not be covered if he rented it out to someone with less.
It was many years ago but when I rented a 210 in SA I was 2 hours short of the minimum so I had to take a 172 out for 2 1/2 hours to qualify before the CFI would take me out for a check ride. The fact that I already had hours on another 210 from the same club was irrelevant. The nice shiny new one had stricter insurance and I needed a 6 seater.