For the OP, the fact that you are considering a CR-Z suggests you don't need rear seats as while there are rear seats, you couldn't realistically fit anyone in there.
If that is the case, you could consider a 2nd gen Vauxhall Tigra. It is of course just a Corsa, so nothing for any garage to be wary of (save roof problems, not sure if they are common?). Most common engine is the 89bhp 1.4, nippy enough, reliable, fairly efficient and insurance shouldn't be a problem. A 123bhp 1.8 and a 70bhp 1.3 turbo diesel (probably not advisable) were also offered. Youngest is 2009, but the most expensive example on Autotrader is £3995, a one owner 32k mile 1.4.
Another similar car is the Renault Wind, which is based on the Clio. Youngest is going to be 2011 and engine options are a 100bhp 1.2 turbo or a 133bhp n/a 1.6. Most expensive on Autotrader is a fiver under £5.8k, but most under £5k.
Going back to the CR-Z, while I certainly see the appeal, your budget is unlikely to get you into a nice one. Most expensive on Autotrader is over £11k, drop maximum budget to £5k and there are 11 examples available, but set maximum miles to 100k and there are only 3 examples available nationwide!. So while you might get lucky, I wouldn't recommend a CR-Z unless you can up your budget by another £2-2.5k.
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