My first car was a 1.4L Peugeot. Worked well apart from the clutch failed because I treated it like **** everyday as I drove it to work lol. I'm afraid you'll have to deal with these *****y prices and take a black box unless you want to piss your money away. Also lower your standards of cars, its your first car and you being so picky is not going to help.
I sucked up driving a *****y 1.4l peugeot for a year, the renewal quote came to 1K ..down from 2.2K. The blackbox was annoying, and it rates me as a **** driver but I don't get punished at all.
I now have a 2.5L V6 Lexus with every possible gadget in it ^^
My advice? Save your cash and go for something *****y, because once you get that 1NCB and 1 year license held - its quite a big drop in insurance prices so you'll be able to get something nice!