Citroen Xsara Picasso vs Peugeot 107: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): +31 pts — Citroen Xsara Picasso is riskier by 31 index points. MOT fail-rate difference: +23.1 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Citroen Xsara Picasso or the Peugeot 107?
The Citroen Xsara Picasso (GVRI 56/100) is 31 index points riskier than the Peugeot 107 (GVRI 25/100) according to the Gera Risk Comparison Delta — a 23.1 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 Peugeot 107: side-by-side risk data (2016)
| Measure | Citroen Xsara Picasso | Peugeot 107 | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 56/100 | 25/100 | +31 pts |
| Risk band | High Risk | Low Risk | Citroen Xsara Picasso riskier |
| MOT fail rate | 39.8% | 16.7% | +23.1 pp |
| MOT tests in dataset | 168,065 | 121,206 | — |
| Failed tests | 66,958 | 20,244 | — |
| Avg defect severity | 1.04 | 1.05 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +19 pts above avg | -12 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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Get insurance quotes for the Peugeot 107 — lower-risk by 31 GVRI points
The Peugeot 107 (GVRI 25/100) is 31 index points lower-risk than the Citroen Xsara Picasso 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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Citroen Xsara Picasso vs Peugeot 107 insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Citroen Xsara Picasso vs Peugeot 107?
- The Gera Risk Comparison Delta (GRCD) for the Citroen Xsara Picasso vs Peugeot 107 is +31 index points, computed from GVRI(Citroen Xsara Picasso) = 56/100 and GVRI(Peugeot 107) = 25/100. The Citroen Xsara Picasso is the higher-risk model by 31 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 Peugeot 107 GVRI?
- The Peugeot 107 Gera Vehicle Risk Index (GVRI) is 25/100 (Low Risk), with a MOT fail rate of 16.7% from 121,206 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 Peugeot 107?
- Based on DVSA MOT data, the Peugeot 107 (GVRI 25/100, Low Risk) has a lower modelled insurance risk than the Citroen Xsara Picasso (GVRI 56/100) by 31 index points — a 23.1 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 Peugeot 107 is the difference between their GVRI scores: GRCD = GVRI(Citroen Xsara Picasso) − GVRI(Peugeot 107) = 56 − 25 = +31 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).