Yeah, I've got a Clio too, flew through it's M.O.T yesterday . Insurance was awkward, I wanted to put my daughter on it who was 18 at the time, but the very mention of the words "18" and "Student" pushed the premiums to like 4 times what I pay for the Zed .Eventually, I found a company called Fortis who have a policy that allows young drivers who are named on the policy a maximum of 90 days insurance a year. This got the first year premium down to £350 and now I have 3 years NCB it's down to about £220. My daughter is 21 now but the best quote we've had so far is £1100 for her to drive it without any limits.
I find the Clio to be ultra reliable, I've had it almost 4 years and have only had to put tyres, a new battery and wiper blades on it. It's a petrol engine, 1200cc and does 40 to the gallon, paintwork is excellent too .
Pete