Ford Ka vs Peugeot 207: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): +14 pts — Ford Ka is riskier by 14 index points. MOT fail-rate difference: +9.5 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Ford Ka or the Peugeot 207?
The Ford Ka (GVRI 54/100) is 14 index points riskier than the Peugeot 207 (GVRI 40/100) according to the Gera Risk Comparison Delta — a 9.5 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 Ka vs Peugeot 207: side-by-side risk data (2016)
| Measure | Ford Ka | Peugeot 207 | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 54/100 | 40/100 | +14 pts |
| Risk band | Moderate Risk | Moderate Risk | Ford Ka riskier |
| MOT fail rate | 38.0% | 28.5% | +9.5 pp |
| MOT tests in dataset | 304,663 | 255,899 | — |
| Failed tests | 115,873 | 73,006 | — |
| Avg defect severity | 1.04 | 1.04 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +17 pts above avg | +3 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.
Try the live comparison tool
Compare any two UK cars head-to-head by Gera Risk Comparison Delta.
Car A
Car B
Select two cars to compare their Gera Risk Comparison Delta — computed from 26,016,787 real DVSA MOT tests.
Get insurance quotes for the Peugeot 207 — lower-risk by 14 GVRI points
The Peugeot 207 (GVRI 40/100) is 14 index points lower-risk than the Ford Ka 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.
More Ford Ka comparisons
More Peugeot 207 comparisons
Ford Ka vs Peugeot 207 insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Ford Ka vs Peugeot 207?
- The Gera Risk Comparison Delta (GRCD) for the Ford Ka vs Peugeot 207 is +14 index points, computed from GVRI(Ford Ka) = 54/100 and GVRI(Peugeot 207) = 40/100. The Ford Ka is the higher-risk model by 14 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Ford Ka GVRI?
- The Ford Ka Gera Vehicle Risk Index (GVRI) is 54/100 (Moderate Risk), with a MOT fail rate of 38.0% from 304,663 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- What is the Peugeot 207 GVRI?
- The Peugeot 207 Gera Vehicle Risk Index (GVRI) is 40/100 (Moderate Risk), with a MOT fail rate of 28.5% from 255,899 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Ford Ka or Peugeot 207?
- Based on DVSA MOT data, the Peugeot 207 (GVRI 40/100, Moderate Risk) has a lower modelled insurance risk than the Ford Ka (GVRI 54/100) by 14 index points — a 9.5 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 Ka vs Peugeot 207 is the difference between their GVRI scores: GRCD = GVRI(Ford Ka) − GVRI(Peugeot 207) = 54 − 40 = +14 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).