Nissan Qashqai vs Citroen Xsara Picasso: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): -28 pts — Citroen Xsara Picasso is riskier by 28 index points. MOT fail-rate difference: -20.8 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Nissan Qashqai or the Citroen Xsara Picasso?
The Citroen Xsara Picasso (GVRI 56/100) is 28 index points riskier than the Nissan Qashqai (GVRI 28/100) according to the Gera Risk Comparison Delta — a 20.8 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.
Nissan Qashqai vs Citroen Xsara Picasso: side-by-side risk data (2016)
| Measure | Nissan Qashqai | Citroen Xsara Picasso | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 28/100 | 56/100 | -28 pts |
| Risk band | Low Risk | High Risk | Citroen Xsara Picasso riskier |
| MOT fail rate | 19.0% | 39.8% | -20.8 pp |
| MOT tests in dataset | 205,482 | 168,065 | — |
| Failed tests | 39,114 | 66,958 | — |
| Avg defect severity | 1.04 | 1.04 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | -9 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.
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 Nissan Qashqai — lower-risk by 28 GVRI points
The Nissan Qashqai (GVRI 28/100) is 28 index points lower-risk than the Citroen Xsara Picasso 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 Nissan Qashqai comparisons
More Citroen Xsara Picasso comparisons
Nissan Qashqai vs Citroen Xsara Picasso insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Nissan Qashqai vs Citroen Xsara Picasso?
- The Gera Risk Comparison Delta (GRCD) for the Nissan Qashqai vs Citroen Xsara Picasso is -28 index points, computed from GVRI(Nissan Qashqai) = 28/100 and GVRI(Citroen Xsara Picasso) = 56/100. The Citroen Xsara Picasso is the higher-risk model by 28 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Nissan Qashqai GVRI?
- The Nissan Qashqai Gera Vehicle Risk Index (GVRI) is 28/100 (Low Risk), with a MOT fail rate of 19.0% from 205,482 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 Nissan Qashqai or Citroen Xsara Picasso?
- Based on DVSA MOT data, the Nissan Qashqai (GVRI 28/100, Low Risk) has a lower modelled insurance risk than the Citroen Xsara Picasso (GVRI 56/100) by 28 index points — a 20.8 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 Nissan Qashqai vs Citroen Xsara Picasso is the difference between their GVRI scores: GRCD = GVRI(Nissan Qashqai) − GVRI(Citroen Xsara Picasso) = 28 − 56 = -28 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).