work this out

i'm 28, 9 years protected NCB, been driving since 1997. i have made 1 claim on somebody elses insurance in 2006 (not my fault)

want to insure my stage 3 2wd cossie with all mods declared, with BHP quoted at 380bhp (it wont be that much, probably about 360-370)

Greenlight want around £650 but HIC want over £1200. Identical details

Obviously i'll be going with Greenlight, but i still think £650 is a little steep - anybody else think the same? any recommendations?

Matt