ok well i dont know of any common faults on the 1.9 apart from it being slow and noisy...
in general look out for specs like 'has it got a DIS? Cruise control? arm rest? auto lights and wipers?' that kind of thing.
but i would seriously suggest you get a 2.0 TDI... i cannot see why insurance would be a problem as they are like an insurance group 11 or something
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