Hi Shah, ur FQ petrol tank phantom label issit in sticker form
or 3D metal form?
If is sticker form, that means ur bike MAY be more powerful than
the metal one.. cos these r the old batch of phantom which doesnt
got powercut, this i heard from many frens... i tink top can reach
more than 160, mine is FS top onli 150-160... 
u r rite, 1st party is indeed more expensive, but if u realli wanna
budget on insurance, i suggest u can downgrade to either 2nd or 3rd
party, cos its definitely cheaper, onli ard 250-400 (depending on
condition) but one word of warning, once ur insurance is
downgraded, u cannot upgrade it anymore, that means once u change
to 2nd party, u cannot change to 1st party when u sell ur bike
off... hahah for me, i choose the most cheapest one, KNN the bike
shop do for me, never even tell me its 3rd party! although now i
abit regret, but nvm lar, jus be SAFE ALWAYS can oredi...
guys, if i wrong about insurance thing, pls correct me, pls
cheers 
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