Audi A3 vs Ford Transit: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): -16 pts — Ford Transit is riskier by 16 index points. MOT fail-rate difference: -12.2 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Audi A3 or the Ford Transit?
The Ford Transit (GVRI 51/100) is 16 index points riskier than the Audi A3 (GVRI 35/100) according to the Gera Risk Comparison Delta — a 12.2 percentage-point difference in MOT fail rates from 2016 DVSA data. UK fleet average GVRI: 37/100. Source: DVSA Anonymised MOT data (2016), OGL v3.0.
Audi A3 vs Ford Transit: side-by-side risk data (2016)
| Measure | Audi A3 | Ford Transit | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 35/100 | 51/100 | -16 pts |
| Risk band | Moderate Risk | Moderate Risk | Ford Transit riskier |
| MOT fail rate | 23.8% | 36.0% | -12.2 pp |
| MOT tests in dataset | 274,914 | 266,761 | — |
| Failed tests | 65,362 | 96,072 | — |
| Avg defect severity | 1.06 | 1.04 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | -2 pts below avg | +14 pts above avg | — |
GRCD = GVRI(A) − GVRI(B). GVRI = 0.6 × MOT_fail_rate + 0.4 × avg_defect_severity_norm, 0–100. Class-4 (car) normal tests only. N ≥ 30. Source: DVSA MOT 2016, OGL v3.0.
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Get insurance quotes for the Audi A3 — lower-risk by 16 GVRI points
The Audi A3 (GVRI 35/100) is 16 index points lower-risk than the Ford Transit from DVSA MOT data. GeraSure is building data-driven insurance comparison using real GVRI data. Join the waitlist to see what that means for your premium.
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Audi A3 vs Ford Transit insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Audi A3 vs Ford Transit?
- The Gera Risk Comparison Delta (GRCD) for the Audi A3 vs Ford Transit is -16 index points, computed from GVRI(Audi A3) = 35/100 and GVRI(Ford Transit) = 51/100. The Ford Transit is the higher-risk model by 16 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Audi A3 GVRI?
- The Audi A3 Gera Vehicle Risk Index (GVRI) is 35/100 (Moderate Risk), with a MOT fail rate of 23.8% from 274,914 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- What is the Ford Transit GVRI?
- The Ford Transit Gera Vehicle Risk Index (GVRI) is 51/100 (Moderate Risk), with a MOT fail rate of 36.0% from 266,761 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Audi A3 or Ford Transit?
- Based on DVSA MOT data, the Audi A3 (GVRI 35/100, Moderate Risk) has a lower modelled insurance risk than the Ford Transit (GVRI 51/100) by 16 index points — a 12.2 percentage-point MOT fail-rate difference. However, actual premiums also depend on driver age, no-claims bonus, postcode, annual mileage and policy type.
- How is the GRCD calculated?
- GRCD = GVRI(Car A) − GVRI(Car B). GVRI = 0.6 × MOT_fail_rate + 0.4 × avg_defect_severity_norm, min-max scaled 0–100. All inputs are from the DVSA Anonymised MOT Test Results dataset (2016, OGL v3.0). Only make+model combinations with N ≥ 30 tests are included. Full methodology is on the Gera Risk Comparison Delta methodology page.
Methodology
The Gera Risk Comparison Delta for Audi A3 vs Ford Transit is the difference between their GVRI scores: GRCD = GVRI(Audi A3) − GVRI(Ford Transit) = 35 − 51 = -16 pts. GVRI = 0.6 × MOT_fail_rate + 0.4 × avg_defect_severity_norm, min-max scaled 0–100, from DVSA Anonymised MOT Tests (class-4, 2016, OGL v3.0). Full formula and verification steps on the methodology page.
Contains public sector information published by Driver and Vehicle Standards Agency (DVSA) and licensed under the Open Government Licence v3.0. Source: DVSA Anonymised MOT Test Results — DfT (2016, published 2016).