Ford Focus vs Volkswagen Golf: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): +3 pts — Ford Focus is riskier by 3 index points. MOT fail-rate difference: +1.8 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Ford Focus or the Volkswagen Golf?
The Ford Focus (GVRI 41/100) is 3 index points riskier than the Volkswagen Golf (GVRI 38/100) according to the Gera Risk Comparison Delta — a 1.8 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 Focus vs Volkswagen Golf: side-by-side risk data (2016)
| Measure | Ford Focus | Volkswagen Golf | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 41/100 | 38/100 | +3 pts |
| Risk band | Moderate Risk | Moderate Risk | Ford Focus riskier |
| MOT fail rate | 28.2% | 26.4% | +1.8 pp |
| MOT tests in dataset | 1,182,819 | 816,331 | — |
| Failed tests | 334,021 | 215,395 | — |
| Avg defect severity | 1.05 | 1.05 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +4 pts above avg | +1 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 Volkswagen Golf — lower-risk by 3 GVRI points
The Volkswagen Golf (GVRI 38/100) is 3 index points lower-risk than the Ford Focus 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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Ford Focus vs Volkswagen Golf insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Ford Focus vs Volkswagen Golf?
- The Gera Risk Comparison Delta (GRCD) for the Ford Focus vs Volkswagen Golf is +3 index points, computed from GVRI(Ford Focus) = 41/100 and GVRI(Volkswagen Golf) = 38/100. The Ford Focus is the higher-risk model by 3 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Ford Focus GVRI?
- The Ford Focus Gera Vehicle Risk Index (GVRI) is 41/100 (Moderate Risk), with a MOT fail rate of 28.2% from 1,182,819 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- What is the Volkswagen Golf GVRI?
- The Volkswagen Golf Gera Vehicle Risk Index (GVRI) is 38/100 (Moderate Risk), with a MOT fail rate of 26.4% from 816,331 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Ford Focus or Volkswagen Golf?
- Based on DVSA MOT data, the Volkswagen Golf (GVRI 38/100, Moderate Risk) has a lower modelled insurance risk than the Ford Focus (GVRI 41/100) by 3 index points — a 1.8 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 Focus vs Volkswagen Golf is the difference between their GVRI scores: GRCD = GVRI(Ford Focus) − GVRI(Volkswagen Golf) = 41 − 38 = +3 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).