YEP BEEN THERE DONE THE 1.2 16V THING AND GOD IT WAS DEPRESSING MY ADVICE WOULD BE TO GO FOR THE 1.5 DIESEL UNTIL YOU CAN AFFORD TO INSURE A 172, IM IN MY LATE 20,S WITH 3 YEARS NO CLAIMS AND THE INSURANCE IS STILL WHOOPING MY BANK BALANCE!!! EVEN GOT REFUSED INSURANCE AT FIRST!