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not hardly any differecne between ph1 and ph2's - if you could stretch it id say go for a ph2 as they look nicer plus you can pick a 172 ph2 up quite cheap now - bout 6k or so
weird things insurance companies - ive personally had no probs with NUD -when some b**ch hit my car and drove off (police caught her tho) NU were brilliant and sorted it out for me v quickly