Also consider a KA. I bought one for my daughter last year - smashing (if basic) little motor - it'll do her to build up NCD.
A word about insurance from an ex-technician/workshop foreman/area transport manager (I did the full 5 years at college) - I read and hear a lot about "pah, £5grand insurance for an £800 car, rip off". Now imagine you hit and kill a 30 year old stockbroker and his family sue you for loss of earnings for his career. Your £800 car has now caused (35years x £150000+ per year) at least £5M worth of damage. So they're not insuring the risk of the car being stolen, or total loss - they're insuring the risk of the damage you do to other people - and sadly a lot of youngsters are high risk. I know, I was one, and I was.