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Well your criteria pretty much matches that of 90% of buyers which makes getting a bargain difficult. I mean who wants a thirsty, unsafe car that keeps breaking down?!
High MPGs points to diesel. But at £4k, you'll be looking at older ones (generally over 5 years). With care, cars can carry on for huge motorway mileages, but buying second hand is always a minefield-especially at your budget.
With regards to safety, ncap ratings are relative. Cars are judged according to class-therefore a supermini with a 5* rating obviously isn't as safe on an absolute basis as a large car with a 5* safety rating. This is because cars are impact tested against a mass of comparable weight. Basically, the ratings are of little use-just asume that, as a driver, the greatest determiner of risk is the nut behind the wheel and don't worry about the car!
At the price band you're buying into, insurance groups are largely a function of horsepower and, to a lesser extent, size. Keep both down and the rating falls.
To give a more specific recommendation you need to indicate what size of car you want ie is it soleluy a commuter mobile or will it have to double up as a family load lugger at weekends?
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