Audi A3 vs Peugeot 207: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): -5 pts — Peugeot 207 is riskier by 5 index points. MOT fail-rate difference: -4.7 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Audi A3 or the Peugeot 207?
The Peugeot 207 (GVRI 40/100) is 5 index points riskier than the Audi A3 (GVRI 35/100) according to the Gera Risk Comparison Delta — a 4.7 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 Peugeot 207: side-by-side risk data (2016)
| Measure | Audi A3 | Peugeot 207 | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 35/100 | 40/100 | -5 pts |
| Risk band | Moderate Risk | Moderate Risk | Peugeot 207 riskier |
| MOT fail rate | 23.8% | 28.5% | -4.7 pp |
| MOT tests in dataset | 274,914 | 255,899 | — |
| Failed tests | 65,362 | 73,006 | — |
| Avg defect severity | 1.06 | 1.04 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | -2 pts below avg | +3 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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Audi A3 vs Peugeot 207 insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Audi A3 vs Peugeot 207?
- The Gera Risk Comparison Delta (GRCD) for the Audi A3 vs Peugeot 207 is -5 index points, computed from GVRI(Audi A3) = 35/100 and GVRI(Peugeot 207) = 40/100. The Peugeot 207 is the higher-risk model by 5 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 Peugeot 207 GVRI?
- The Peugeot 207 Gera Vehicle Risk Index (GVRI) is 40/100 (Moderate Risk), with a MOT fail rate of 28.5% from 255,899 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Audi A3 or Peugeot 207?
- Based on DVSA MOT data, the Audi A3 (GVRI 35/100, Moderate Risk) has a lower modelled insurance risk than the Peugeot 207 (GVRI 40/100) by 5 index points — a 4.7 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 Peugeot 207 is the difference between their GVRI scores: GRCD = GVRI(Audi A3) − GVRI(Peugeot 207) = 35 − 40 = -5 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).