It's an unfortunate infants policy... fruit might not be ideal for kids in the morning but the school has to be seen to be following government guidelines of promoting healthy eating. The problem falls when one child is allowed to bring an alternative snack, one child eating raisins or cheese when every other child has to have a tomato or satsuma is hardly fair even if the school have not had to pay for it! When the same child has a different snack to the rest every day, it simply singles them out and often sets them up for bullying because the other children begin to resent them.
Our junior school doesn't get provided with free fruit but they expect all children to take their own fruit in for morning break (or have nothing), anything that isn't fruit isn't allowed! But then at the end of the day if a child is really that hungry they would eat even if they didn't much like it. Most UK kids are so privileged that they can afford to be fussy, their parents indulge them (myself included) and are not so underweight/starved that it will hurt if they miss a meal!
Personally I don't usually eat breakfast, mostly cos I don't get/make time or if I do it's usually a biscuit on the run! It has never hurt me, I'm usually really hungry by 11 though, and if fruit was all that was on offer, frankly I'd have it (and I rarely eat fruit, prefer veg)!!! My kids aren't allowed breakfast before they are dressed for school (otherwise we would invariably have to send them in PJs) which gives them a while to be more awake before eating. DD as a toddler couldn't eat for at least 20mins after she woke up, she wouldn't talk either, almost like her brain had become disconnected from her body and therefore she could not function properly without space!!
I wouldn't worry too much though, if your child seems happy and healthy and eats well at other meals, it probably isn't that big a deal! Obviously not ideal them not eating until lunch time but not the end of the world either!!!