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From what you would save on fixing the Clio and spending on the Astra to look good you could insure the Civic, as you know the build quality is second to none. Why do you say its expensive to insure? You can get a 1997 Civic VTi for £3000-£4000 (it would be minted at this price)
10 year old...
As said above mate, take the valver if you have deep pockets, the problem with renaults is that if they suffer any kind of neglect then they suffer big time.
As for the astra thats a diffrent car all together, that coupled with the fact that the Astra is far more likley to draw you attention...
Theres a place not so far from glasgow airport that does it, AV tuning i cant honestly recommend them as ive only heard about them so ask the other lads from scotland.
Im intrested in getting my car RR aswell!
The only reason i ask is my old VTS stated 7.7 by parkers and 7.4 by citroen and lower again by EVO mag.
I raced a few and whilst it wasnt miles away it was relativley quicker off the mark i found.
Both cars (mine anway) were stock from what i could tell!
Look on the brightside, when your insurance comes down a few grand you will be able to put fuel in it, christ who knows you might be able to fill the tank once a year, petrol should only be about £3.89 a litre...