Okay, first thing, if you're a young drive, or have no experience, insurance is going to kill you. Even if you're just going to be a named driver on your parents insurance, insurance is going to be massive. I've got two years no claims bonus, and pass plus, my Dad has 10 years no claims, and as a named drive on my his Fiesta ST (a lower insurance group than that Clio), I was quoted between £2,500 and £3,000. Also, it has after-market wheels and exhaust, which would also raise insurance, and as mentioned, probably suggests a boy race :/ However just from the pics you've posted it looks pretty sound, but get a mechanic friend/someone who knows about cars to look over it.
Finally, even though it's got over 100,000 miles, it's 9 years old, so that's only about 11,000 miles per year, which isn't too bad (just for reference, when I was younger, my Dad was doing about 10,000 a year just going shopping, taking me to sports etc).