Renault Clio vs Honda Civic: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): +21 pts — Renault Clio is riskier by 21 index points. MOT fail-rate difference: +14.8 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Renault Clio or the Honda Civic?
The Renault Clio (GVRI 58/100) is 21 index points riskier than the Honda Civic (GVRI 37/100) according to the Gera Risk Comparison Delta — a 14.8 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.
Renault Clio vs Honda Civic: side-by-side risk data (2016)
| Measure | Renault Clio | Honda Civic | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 58/100 | 37/100 | +21 pts |
| Risk band | High Risk | Moderate Risk | Renault Clio riskier |
| MOT fail rate | 40.8% | 26.0% | +14.8 pp |
| MOT tests in dataset | 487,303 | 370,384 | — |
| Failed tests | 198,732 | 96,136 | — |
| Avg defect severity | 1.05 | 1.04 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +21 pts above avg | 0 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 Honda Civic — lower-risk by 21 GVRI points
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Renault Clio vs Honda Civic insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Renault Clio vs Honda Civic?
- The Gera Risk Comparison Delta (GRCD) for the Renault Clio vs Honda Civic is +21 index points, computed from GVRI(Renault Clio) = 58/100 and GVRI(Honda Civic) = 37/100. The Renault Clio is the higher-risk model by 21 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Renault Clio GVRI?
- The Renault Clio Gera Vehicle Risk Index (GVRI) is 58/100 (High Risk), with a MOT fail rate of 40.8% from 487,303 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- What is the Honda Civic GVRI?
- The Honda Civic Gera Vehicle Risk Index (GVRI) is 37/100 (Moderate Risk), with a MOT fail rate of 26.0% from 370,384 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Renault Clio or Honda Civic?
- Based on DVSA MOT data, the Honda Civic (GVRI 37/100, Moderate Risk) has a lower modelled insurance risk than the Renault Clio (GVRI 58/100) by 21 index points — a 14.8 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 Renault Clio vs Honda Civic is the difference between their GVRI scores: GRCD = GVRI(Renault Clio) − GVRI(Honda Civic) = 58 − 37 = +21 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).