thread split from bangeromics
Check your insurance first before buying a Civic!
Anyway, if all you care about is cheap, very reliable, motoring, would you not buy a (old model) Micra? That's about as reliable as any car has ever been. Also has a timing chain, so no belt changes to worry about and pay for.
There are plenty of cars more reliable than those old micras, even it's bigger brother the 95-00 Almera is a more reliable car than them.