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I know for a fact that it is Elephant's policy on paying the whole premium if you have a claim in the time you are insured with them.
3k insurance for a CTR?!?! f**k a duck son, I'm £500 for mine which I thought was expensive!
Welcome to CS. The Clio is a safe(ish) car but as Gareth says the MINI is probably safer.
IMO you will see a major difference in the quality of finish between the Clio and the MINI. However, if you take the Clio for what it is - a good value for money, quick, great handling, full of...
sounds very interesting. I've seen some articles of similar work being carried out to Jag XJS's iirc. Good luck and look forward to seeing a finished product.