actually my Derv is a lot cheaper to insure than a 180 - when it was standard anyways.... is only grp 10..... in recent times there may not be much in it as all policies seem to have been loaded against MGR 
Go for a drive in both and see, the 40-45mpg average with upto 55-60 being possible if you drive like miss daisy, but make sure that they are good examples of both first.
A few tweaks to the derv for very little money will make it a much 'faster' car and also a lot more relaxing to drive, i rarely need to stir the box from 40 mph onwards to make good progress....
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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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