Toyota Yaris vs Fiat Punto: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): -26 pts — Fiat Punto is riskier by 26 index points. MOT fail-rate difference: -18.4 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Toyota Yaris or the Fiat Punto?
The Fiat Punto (GVRI 55/100) is 26 index points riskier than the Toyota Yaris (GVRI 29/100) according to the Gera Risk Comparison Delta — a 18.4 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.
Toyota Yaris vs Fiat Punto: side-by-side risk data (2016)
| Measure | Toyota Yaris | Fiat Punto | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 29/100 | 55/100 | -26 pts |
| Risk band | Low Risk | High Risk | Fiat Punto riskier |
| MOT fail rate | 20.2% | 38.7% | -18.4 pp |
| MOT tests in dataset | 363,893 | 209,827 | — |
| Failed tests | 73,649 | 81,151 | — |
| Avg defect severity | 1.03 | 1.04 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | -8 pts below avg | +18 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.
Try the live comparison tool
Compare any two UK cars head-to-head by Gera Risk Comparison Delta.
Car A
Car B
Select two cars to compare their Gera Risk Comparison Delta — computed from 26,016,787 real DVSA MOT tests.
Get insurance quotes for the Toyota Yaris — lower-risk by 26 GVRI points
The Toyota Yaris (GVRI 29/100) is 26 index points lower-risk than the Fiat Punto 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.
More Toyota Yaris comparisons
More Fiat Punto comparisons
Toyota Yaris vs Fiat Punto insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Toyota Yaris vs Fiat Punto?
- The Gera Risk Comparison Delta (GRCD) for the Toyota Yaris vs Fiat Punto is -26 index points, computed from GVRI(Toyota Yaris) = 29/100 and GVRI(Fiat Punto) = 55/100. The Fiat Punto is the higher-risk model by 26 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Toyota Yaris GVRI?
- The Toyota Yaris Gera Vehicle Risk Index (GVRI) is 29/100 (Low Risk), with a MOT fail rate of 20.2% from 363,893 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- What is the Fiat Punto GVRI?
- The Fiat Punto Gera Vehicle Risk Index (GVRI) is 55/100 (High Risk), with a MOT fail rate of 38.7% from 209,827 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Toyota Yaris or Fiat Punto?
- Based on DVSA MOT data, the Toyota Yaris (GVRI 29/100, Low Risk) has a lower modelled insurance risk than the Fiat Punto (GVRI 55/100) by 26 index points — a 18.4 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 Toyota Yaris vs Fiat Punto is the difference between their GVRI scores: GRCD = GVRI(Toyota Yaris) − GVRI(Fiat Punto) = 29 − 55 = -26 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).