Unless you are particularly fond of the B i would say keep the ZS - it will be a much more refined place to be when driving - even if short distances - and probably a lot more reliable too 
You ought to be able to find a quote a lot cheaper than £300 for it, unless you are unlucky with the insurance postcodes. My Zs is £500 with heavy mods and the fiesta is £350 (i live in city as well as have each car on 8000 mile policies). Have you tried Peter Best, as they do some very good quotes for low mileage cars.
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Mods Fitted
Pipercross Filter; Full 2.5" 'Wingy' exhaust; Donny Custom Turbo outlet pipe; Custom injectors;
Uprated gearbox bearings; Helix Clutch; Quaife ATB; Upgraded clutch Hydraulics; FMIC; Ported Head; ARP headstuds; Leda coilovers; 'Brembodge' 326mm disks/DS2500 pads
Dieselpowered
Fitting Custom Hybrid Turbo (1856GTBv) & controller; Remap, swirlpot, lift pump
AMW Motorsports
Custom exhaust manifold & downpipe
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