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As Mike pointed out, the heavier weight (1260kg's) and less power, its stands at about 120bhp to the tonne against the Clio's 165/tonne...
No doubting it makes it look dated - im willing to bet the Ds3 'feels' faster.
Unfortunatley you're at that age where innevitably, you will pay more for insurance.
I wouldnt worry about what other people are paying - the fact is, you have to start somewhere.
Welcome, by the way.
It is slightly dearer mate yes.
The reason i know this is when i bought my 182 in 2010 the garage made a c**t of it and registered
it in my old mans name (dont ask) and so it was slightly dearer to insure than if it was in my name.
That matt wrap will become the biggest pain in the dick ever.
It will eventually dis-colour & fade. It'll get pepppered to f**k with stone chips, you can only wash it with cold water IIRC, why anyone would want one i do not know!