Insurance can be high as people have been known to put 1.8's in the 1.4's and not tell anyone, i found this out when buying mine.

But dont get a ZR (As they are really GAY) get a ZS its what i've got and TBH its not that bad and cheap. I just want a ford again so i hate my MG lol.

As for the head gasket, mine was done before i got mine and it seems bullet proof! Start on cold morning with no trouble and wont die on high revs!