Mate... keep searching... you'll get a better deal. The quote you're refering to is basically the insurance company's way of refusing you insurance. However, because the market is so heavily regulated and common terms agreed, they can't actually refuse you insurance without a good reason - like you're epileptic or something... so they just quite you the stupidest rate they can think of.
I've just reinsured my car after a year off the road... and got good quotes from Admiral, and Elephant. H&R might have been good, but don't seem to offer an online quoting service, and one that Coombest recommended to me told me I was a criminal and wouldn't quote me.
I'm not a criminal by the way!
