If I was buying a non sport, I would get the 1.2 TCE (which I have); its good on the inssurance, is quite nippy and has that special turbo whistle
Does it have to be a Clio?
I'd be looking at a "warm hatch" if I was you.
I'd save the money and wait till your insurance comes down.
How come you are fed up with the 1.6?