Citroen Xsara Picasso vs Nissan Note: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): +27 pts — Citroen Xsara Picasso is riskier by 27 index points. MOT fail-rate difference: +19.9 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Citroen Xsara Picasso or the Nissan Note?
The Citroen Xsara Picasso (GVRI 56/100) is 27 index points riskier than the Nissan Note (GVRI 29/100) according to the Gera Risk Comparison Delta — a 19.9 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.
Citroen Xsara Picasso vs Nissan Note: side-by-side risk data (2016)
| Measure | Citroen Xsara Picasso | Nissan Note | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 56/100 | 29/100 | +27 pts |
| Risk band | High Risk | Low Risk | Citroen Xsara Picasso riskier |
| MOT fail rate | 39.8% | 20.0% | +19.9 pp |
| MOT tests in dataset | 168,065 | 121,176 | — |
| Failed tests | 66,958 | 24,170 | — |
| Avg defect severity | 1.04 | 1.05 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +19 pts above avg | -8 pts below 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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Citroen Xsara Picasso vs Nissan Note insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Citroen Xsara Picasso vs Nissan Note?
- The Gera Risk Comparison Delta (GRCD) for the Citroen Xsara Picasso vs Nissan Note is +27 index points, computed from GVRI(Citroen Xsara Picasso) = 56/100 and GVRI(Nissan Note) = 29/100. The Citroen Xsara Picasso is the higher-risk model by 27 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Citroen Xsara Picasso GVRI?
- The Citroen Xsara Picasso Gera Vehicle Risk Index (GVRI) is 56/100 (High Risk), with a MOT fail rate of 39.8% from 168,065 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- What is the Nissan Note GVRI?
- The Nissan Note Gera Vehicle Risk Index (GVRI) is 29/100 (Low Risk), with a MOT fail rate of 20.0% from 121,176 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Citroen Xsara Picasso or Nissan Note?
- Based on DVSA MOT data, the Nissan Note (GVRI 29/100, Low Risk) has a lower modelled insurance risk than the Citroen Xsara Picasso (GVRI 56/100) by 27 index points — a 19.9 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 Citroen Xsara Picasso vs Nissan Note is the difference between their GVRI scores: GRCD = GVRI(Citroen Xsara Picasso) − GVRI(Nissan Note) = 56 − 29 = +27 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).