Renault Clio vs Mini Mini: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): +24 pts — Renault Clio is riskier by 24 index points. MOT fail-rate difference: +17.5 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Renault Clio or the Mini Mini?
The Renault Clio (GVRI 58/100) is 24 index points riskier than the Mini Mini (GVRI 34/100) according to the Gera Risk Comparison Delta — a 17.5 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.
Renault Clio vs Mini Mini: side-by-side risk data (2016)
| Measure | Renault Clio | Mini Mini | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 58/100 | 34/100 | +24 pts |
| Risk band | High Risk | Low Risk | Renault Clio riskier |
| MOT fail rate | 40.8% | 23.3% | +17.5 pp |
| MOT tests in dataset | 487,303 | 421,792 | — |
| Failed tests | 198,732 | 98,350 | — |
| Avg defect severity | 1.05 | 1.06 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +21 pts above avg | -3 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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Renault Clio vs Mini Mini insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Renault Clio vs Mini Mini?
- The Gera Risk Comparison Delta (GRCD) for the Renault Clio vs Mini Mini is +24 index points, computed from GVRI(Renault Clio) = 58/100 and GVRI(Mini Mini) = 34/100. The Renault Clio is the higher-risk model by 24 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 Mini Mini GVRI?
- The Mini Mini Gera Vehicle Risk Index (GVRI) is 34/100 (Low Risk), with a MOT fail rate of 23.3% from 421,792 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Renault Clio or Mini Mini?
- Based on DVSA MOT data, the Mini Mini (GVRI 34/100, Low Risk) has a lower modelled insurance risk than the Renault Clio (GVRI 58/100) by 24 index points — a 17.5 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 Renault Clio vs Mini Mini is the difference between their GVRI scores: GRCD = GVRI(Renault Clio) − GVRI(Mini Mini) = 58 − 34 = +24 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).