Ford Focus vs Volkswagen Polo: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): 0 pts — identical GVRI, equal modelled risk. MOT fail-rate difference: -0.3 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Ford Focus or the Volkswagen Polo?
The Ford Focus and Volkswagen Polo have an identical Gera Vehicle Risk Index (GVRI 41/100), with no measurable difference in modelled insurance risk from DVSA MOT data. UK fleet average GVRI: 37/100. Source: DVSA Anonymised MOT data (2016), OGL v3.0.
Ford Focus vs Volkswagen Polo: side-by-side risk data (2016)
| Measure | Ford Focus | Volkswagen Polo | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 41/100 | 41/100 | 0 pts |
| Risk band | Moderate Risk | Moderate Risk | Same |
| MOT fail rate | 28.2% | 28.5% | -0.3 pp |
| MOT tests in dataset | 1,182,819 | 504,691 | — |
| Failed tests | 334,021 | 144,000 | — |
| Avg defect severity | 1.05 | 1.05 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +4 pts above avg | +4 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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Ford Focus vs Volkswagen Polo insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Ford Focus vs Volkswagen Polo?
- The Gera Risk Comparison Delta (GRCD) for the Ford Focus vs Volkswagen Polo is 0 index points, computed from GVRI(Ford Focus) = 41/100 and GVRI(Volkswagen Polo) = 41/100. Both cars carry identical modelled insurance risk in the 2016 DVSA dataset.
- 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 Polo GVRI?
- The Volkswagen Polo Gera Vehicle Risk Index (GVRI) is 41/100 (Moderate Risk), with a MOT fail rate of 28.5% from 504,691 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 Polo?
- The Ford Focus and Volkswagen Polo have identical GVRI scores (41/100), suggesting similar modelled insurance risk from DVSA MOT data. However, actual premiums also depend on driver age, no-claims bonus, postcode, annual mileage and policy type — the GRCD is a risk-context indicator, not a premium quote.
- 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 Polo is the difference between their GVRI scores: GRCD = GVRI(Ford Focus) − GVRI(Volkswagen Polo) = 41 − 41 = 0 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).