Ford Fiesta vs Renault Clio: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): -22 pts — Renault Clio is riskier by 22 index points. MOT fail-rate difference: -15.9 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Ford Fiesta or the Renault Clio?
The Renault Clio (GVRI 58/100) is 22 index points riskier than the Ford Fiesta (GVRI 36/100) according to the Gera Risk Comparison Delta — a 15.9 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.
Ford Fiesta vs Renault Clio: side-by-side risk data (2016)
| Measure | Ford Fiesta | Renault Clio | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 36/100 | 58/100 | -22 pts |
| Risk band | Moderate Risk | High Risk | Renault Clio riskier |
| MOT fail rate | 24.9% | 40.8% | -15.9 pp |
| MOT tests in dataset | 1,131,622 | 487,303 | — |
| Failed tests | 281,938 | 198,732 | — |
| Avg defect severity | 1.06 | 1.05 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | -1 pts below avg | +21 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 Ford Fiesta — lower-risk by 22 GVRI points
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Ford Fiesta vs Renault Clio insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Ford Fiesta vs Renault Clio?
- The Gera Risk Comparison Delta (GRCD) for the Ford Fiesta vs Renault Clio is -22 index points, computed from GVRI(Ford Fiesta) = 36/100 and GVRI(Renault Clio) = 58/100. The Renault Clio is the higher-risk model by 22 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Ford Fiesta GVRI?
- The Ford Fiesta Gera Vehicle Risk Index (GVRI) is 36/100 (Moderate Risk), with a MOT fail rate of 24.9% from 1,131,622 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- What is the Renault Clio GVRI?
- The Renault Clio Gera Vehicle Risk Index (GVRI) is 58/100 (High Risk), with a MOT fail rate of 40.8% from 487,303 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Ford Fiesta or Renault Clio?
- Based on DVSA MOT data, the Ford Fiesta (GVRI 36/100, Moderate Risk) has a lower modelled insurance risk than the Renault Clio (GVRI 58/100) by 22 index points — a 15.9 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 Ford Fiesta vs Renault Clio is the difference between their GVRI scores: GRCD = GVRI(Ford Fiesta) − GVRI(Renault Clio) = 36 − 58 = -22 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).