The conditions are there in the fine print. I don’t think you would succeed in a complaint to FSPO, However if they mislead you over the phone you should complain to VHI especially if you would have taken a different course of action if you had the correct information.
I queried my LAYA policy when my child turned 18. I had gotten two renewal notices and one was 300 - 400 more expensive. So I phoned and confirmed the lower quote was the valid one, and they said yes. 4 months later it transpired we had paid (through work) a higher premium. When I phoned they were able to recheck the call logs, I had the dates, and agree I had been given incorrect information so they honoured it.