You will not be wasting the insurance broker's time by talking to him. That
is his job and if he doesn't like it then it is time to look for a new
broker. You need to find out what the insurance company requires for you to
be covered as a named pilot and then start jumping through the hoops. "No"
is not an answer. "Ten hours with an instructor" is an answer.

The Cessna 206 is a high performance airplane with a constant speed prop. It
is very easy to fly and some pilots learn to fly in them. It requires a
little more advance planning when entering the pattern and it is very nose
heavy, but it is not so fast that a low time pilot is going to get very far
behind it.