hello aubergines welcome pal,i own a facelift model its standard apart from its panther black with full side and ott stripes and mp3 socket,my only gripes are the plastic gear gaitor,and the frog lights,and the flimsey catch for pulling out to lift the bonnet.the blue facia and seats are great,computer seems to work ok,all in all i have to say its the best car i have ever owned,on the other hand my experiance of ford customer service is dire.can,t help you with insurance as i am no spring chicken