Peugeot 206 vs Vauxhall Insignia: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): +28 pts — Peugeot 206 is riskier by 28 index points. MOT fail-rate difference: +21.6 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Peugeot 206 or the Vauxhall Insignia?
The Peugeot 206 (GVRI 58/100) is 28 index points riskier than the Vauxhall Insignia (GVRI 30/100) according to the Gera Risk Comparison Delta — a 21.6 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.
Peugeot 206 vs Vauxhall Insignia: side-by-side risk data (2016)
| Measure | Peugeot 206 | Vauxhall Insignia | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 58/100 | 30/100 | +28 pts |
| Risk band | High Risk | Low Risk | Peugeot 206 riskier |
| MOT fail rate | 41.5% | 19.9% | +21.6 pp |
| MOT tests in dataset | 331,122 | 147,793 | — |
| Failed tests | 137,347 | 29,358 | — |
| Avg defect severity | 1.04 | 1.06 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +21 pts above avg | -7 pts below 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 Vauxhall Insignia — lower-risk by 28 GVRI points
The Vauxhall Insignia (GVRI 30/100) is 28 index points lower-risk than the Peugeot 206 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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Peugeot 206 vs Vauxhall Insignia insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Peugeot 206 vs Vauxhall Insignia?
- The Gera Risk Comparison Delta (GRCD) for the Peugeot 206 vs Vauxhall Insignia is +28 index points, computed from GVRI(Peugeot 206) = 58/100 and GVRI(Vauxhall Insignia) = 30/100. The Peugeot 206 is the higher-risk model by 28 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Peugeot 206 GVRI?
- The Peugeot 206 Gera Vehicle Risk Index (GVRI) is 58/100 (High Risk), with a MOT fail rate of 41.5% from 331,122 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- What is the Vauxhall Insignia GVRI?
- The Vauxhall Insignia Gera Vehicle Risk Index (GVRI) is 30/100 (Low Risk), with a MOT fail rate of 19.9% from 147,793 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Peugeot 206 or Vauxhall Insignia?
- Based on DVSA MOT data, the Vauxhall Insignia (GVRI 30/100, Low Risk) has a lower modelled insurance risk than the Peugeot 206 (GVRI 58/100) by 28 index points — a 21.6 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 Peugeot 206 vs Vauxhall Insignia is the difference between their GVRI scores: GRCD = GVRI(Peugeot 206) − GVRI(Vauxhall Insignia) = 58 − 30 = +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).