I think, while this is a much more sensible 1st car than a subaru, even ignoring the reliability question for the moment, your friend will soon come to dislike it.
The fact that he wants a subaru suggests he is interested in performance, but, as we have already established, there is no way he will get an affordable insurance quote for one of them. So the best option for him is to get a car which is in a low insurance group, not necessarily much power, but, and this is key, doesn't weigh much.
That polo is certainly going to have affordable insurance, and it does only have 60bhp, but it weighs 1070kg or thereabouts. To put that into perspective, the wilfully staid looking suzuki celerio has nearly 10bhp more (from its 1.0 engine), but weighs over 200kg less than the polo!. How will your friend feel if he gets comprehensively blown away by someone's Granny in a celerio?!. I'm not suggesting he should buy a celerio, but if he wants any driving enjoyment, he needs to be looking at something which doesn't weigh much, to alleviate the lack of power. Think citroen C1/peugeot 108/toyota aygo, all 3 share the same mechanical bits, shouldn't cost much to insure and are a hoot to drive.
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