You tell me, haha. The PFL RS3 has always been £200-£300 cheaper than the S3, whenever I have looked! It's all based on stats so there are more S3's stolen than RS3, so the stats are horrific for them.. the S3 is more 'affordable' for the likes of your lesser druggies and alike
I think it's just a combination of the S3 is cheaper so owned more by people who rally them around and wrap them around trees. They are more commonly stolen for robberies and alike. If I manage to grab the insurance before the crime and crash rate goes through the roof, hopefully it won't be too bad with it being a fresh model and no specific stats.
Touch a s*** load of wood, the RS3 stolen posts are a little more uncommon but the S3's are happening monthly on here now among this relatively small community, it's scary.
I wouldn't be having the RS if it was significantly more, owning the S3 put the 'Money is no object view' into perspective. Believe it or not, I've been sensible in checking it all SHOULD tally up cost wise. Seeing £500+ a month leave your bank is enough to make one think twice about spending endless amounts of money
12 months ago, I would have affected £3000+ on insurance to own the car, now I laugh at it. Owning the S3 has made me value my money a little more without doubt, not because I don't enjoy it.. I absolutely love it, but it's brought some sense into the equation which I think is great.