Honda Jazz vs Citroen Xsara Picasso: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): -32 pts — Citroen Xsara Picasso is riskier by 32 index points. MOT fail-rate difference: -23.6 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Honda Jazz or the Citroen Xsara Picasso?
The Citroen Xsara Picasso (GVRI 56/100) is 32 index points riskier than the Honda Jazz (GVRI 24/100) according to the Gera Risk Comparison Delta — a 23.6 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.
Honda Jazz vs Citroen Xsara Picasso: side-by-side risk data (2016)
| Measure | Honda Jazz | Citroen Xsara Picasso | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 24/100 | 56/100 | -32 pts |
| Risk band | Low Risk | High Risk | Citroen Xsara Picasso riskier |
| MOT fail rate | 16.2% | 39.8% | -23.6 pp |
| MOT tests in dataset | 256,004 | 168,065 | — |
| Failed tests | 41,581 | 66,958 | — |
| Avg defect severity | 1.04 | 1.04 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | -13 pts below avg | +19 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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Honda Jazz vs Citroen Xsara Picasso insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Honda Jazz vs Citroen Xsara Picasso?
- The Gera Risk Comparison Delta (GRCD) for the Honda Jazz vs Citroen Xsara Picasso is -32 index points, computed from GVRI(Honda Jazz) = 24/100 and GVRI(Citroen Xsara Picasso) = 56/100. The Citroen Xsara Picasso is the higher-risk model by 32 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Honda Jazz GVRI?
- The Honda Jazz Gera Vehicle Risk Index (GVRI) is 24/100 (Low Risk), with a MOT fail rate of 16.2% from 256,004 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- 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.
- Which is cheaper to insure, the Honda Jazz or Citroen Xsara Picasso?
- Based on DVSA MOT data, the Honda Jazz (GVRI 24/100, Low Risk) has a lower modelled insurance risk than the Citroen Xsara Picasso (GVRI 56/100) by 32 index points — a 23.6 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 Honda Jazz vs Citroen Xsara Picasso is the difference between their GVRI scores: GRCD = GVRI(Honda Jazz) − GVRI(Citroen Xsara Picasso) = 24 − 56 = -32 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).