Thanks for the replies.
I do like the look of the focus, probably the mk1 more so but haven't studied them they closely enough yet
Is the 1.6 zetec the best model type to look for?
Any other suggestions before I concentrate on the focus?
Will keep that insurance company in mind, I'm on a Tesco policy atm so I think they take my experience into account if I stay with them. Should make a good comparison