Renault Clio vs Vauxhall Zafira: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): +13 pts — Renault Clio is riskier by 13 index points. MOT fail-rate difference: +9.8 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Renault Clio or the Vauxhall Zafira?
The Renault Clio (GVRI 58/100) is 13 index points riskier than the Vauxhall Zafira (GVRI 45/100) according to the Gera Risk Comparison Delta — a 9.8 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 Vauxhall Zafira: side-by-side risk data (2016)
| Measure | Renault Clio | Vauxhall Zafira | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 58/100 | 45/100 | +13 pts |
| Risk band | High Risk | Moderate Risk | Renault Clio riskier |
| MOT fail rate | 40.8% | 31.0% | +9.8 pp |
| MOT tests in dataset | 487,303 | 381,386 | — |
| Failed tests | 198,732 | 118,245 | — |
| Avg defect severity | 1.05 | 1.06 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +21 pts above avg | +8 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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Get insurance quotes for the Vauxhall Zafira — lower-risk by 13 GVRI points
The Vauxhall Zafira (GVRI 45/100) is 13 index points lower-risk than the Renault Clio 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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Renault Clio vs Vauxhall Zafira insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Renault Clio vs Vauxhall Zafira?
- The Gera Risk Comparison Delta (GRCD) for the Renault Clio vs Vauxhall Zafira is +13 index points, computed from GVRI(Renault Clio) = 58/100 and GVRI(Vauxhall Zafira) = 45/100. The Renault Clio is the higher-risk model by 13 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 Vauxhall Zafira GVRI?
- The Vauxhall Zafira Gera Vehicle Risk Index (GVRI) is 45/100 (Moderate Risk), with a MOT fail rate of 31.0% from 381,386 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Renault Clio or Vauxhall Zafira?
- Based on DVSA MOT data, the Vauxhall Zafira (GVRI 45/100, Moderate Risk) has a lower modelled insurance risk than the Renault Clio (GVRI 58/100) by 13 index points — a 9.8 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 Vauxhall Zafira is the difference between their GVRI scores: GRCD = GVRI(Renault Clio) − GVRI(Vauxhall Zafira) = 58 − 45 = +13 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).