This is really personal preference. I have had nothing but diesels for last 10 years, but then i do 30k+ a year so a diesel is the right choice for me. They do say that almost 50% of break downs on the road are ignition system related - a diesel does not have an ignition system!
To call any car a 'womans car' is just plain stupid. A car is a car is a car. A car is one thing ONLY - a tool to get you from point A to point B. The minute you forget or ignore that basic fact motoring becomes a very expensive pleasure indeed!
I would say though that the Clio is not the most reliable of cars.
well diesels you will get more miles to the gallon then you would from a petrol. and don't be put of the mileage you find alot of diesels will be high there engines are alot stronger then a petrol if its got full service history it be fine, My ford diesel as got at least 87k on the clock, But its can do alot more, I have seen diesels with over 250k and going strong,
Insurance is a lotto depending where u live, If you live in london for example expect to pay alot of insurance.
I live in london, Even tho i been driving 5 years my insurance still high then someone living in kent