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Sarah the difference in cost for insurance is minimal between the 1.1 and 1.4 200/25 (the ZR was a little more but talking 10s of pounds rather than hundreds) as i looked into it for Janine a while back. Personally i wouldn't be to worried about having a nice car as a first car. I had a well modified 200 which was my pride and joy and so unlike my mates in bangers who didnt care i looked after mine.
I would say if you can afford the ZR then go for it.
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