Renault Clio vs Peugeot 206: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): 0 pts — identical GVRI, equal modelled risk. MOT fail-rate difference: -0.7 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Renault Clio or the Peugeot 206?
The Renault Clio and Peugeot 206 have an identical Gera Vehicle Risk Index (GVRI 58/100), with no measurable difference in modelled insurance risk from DVSA MOT data. UK fleet average GVRI: 37/100. Source: DVSA Anonymised MOT data (2016), OGL v3.0.
Renault Clio vs Peugeot 206: side-by-side risk data (2016)
| Measure | Renault Clio | Peugeot 206 | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 58/100 | 58/100 | 0 pts |
| Risk band | High Risk | High Risk | Same |
| MOT fail rate | 40.8% | 41.5% | -0.7 pp |
| MOT tests in dataset | 487,303 | 331,122 | — |
| Failed tests | 198,732 | 137,347 | — |
| Avg defect severity | 1.05 | 1.04 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +21 pts above avg | +21 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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Renault Clio vs Peugeot 206 insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Renault Clio vs Peugeot 206?
- The Gera Risk Comparison Delta (GRCD) for the Renault Clio vs Peugeot 206 is 0 index points, computed from GVRI(Renault Clio) = 58/100 and GVRI(Peugeot 206) = 58/100. Both cars carry identical modelled insurance risk in the 2016 DVSA dataset.
- 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 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.
- Which is cheaper to insure, the Renault Clio or Peugeot 206?
- The Renault Clio and Peugeot 206 have identical GVRI scores (58/100), suggesting similar modelled insurance risk from DVSA MOT data. However, actual premiums also depend on driver age, no-claims bonus, postcode, annual mileage and policy type — the GRCD is a risk-context indicator, not a premium quote.
- 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 Peugeot 206 is the difference between their GVRI scores: GRCD = GVRI(Renault Clio) − GVRI(Peugeot 206) = 58 − 58 = 0 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).