Vauxhall Zafira vs Audi A3: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): +10 pts — Vauxhall Zafira is riskier by 10 index points. MOT fail-rate difference: +7.2 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Vauxhall Zafira or the Audi A3?
The Vauxhall Zafira (GVRI 45/100) is 10 index points riskier than the Audi A3 (GVRI 35/100) according to the Gera Risk Comparison Delta — a 7.2 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.
Vauxhall Zafira vs Audi A3: side-by-side risk data (2016)
| Measure | Vauxhall Zafira | Audi A3 | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 45/100 | 35/100 | +10 pts |
| Risk band | Moderate Risk | Moderate Risk | Vauxhall Zafira riskier |
| MOT fail rate | 31.0% | 23.8% | +7.2 pp |
| MOT tests in dataset | 381,386 | 274,914 | — |
| Failed tests | 118,245 | 65,362 | — |
| Avg defect severity | 1.06 | 1.06 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +8 pts above avg | -2 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.
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 Audi A3 — lower-risk by 10 GVRI points
The Audi A3 (GVRI 35/100) is 10 index points lower-risk than the Vauxhall Zafira 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 Vauxhall Zafira comparisons
More Audi A3 comparisons
Vauxhall Zafira vs Audi A3 insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Vauxhall Zafira vs Audi A3?
- The Gera Risk Comparison Delta (GRCD) for the Vauxhall Zafira vs Audi A3 is +10 index points, computed from GVRI(Vauxhall Zafira) = 45/100 and GVRI(Audi A3) = 35/100. The Vauxhall Zafira is the higher-risk model by 10 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- 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.
- What is the Audi A3 GVRI?
- The Audi A3 Gera Vehicle Risk Index (GVRI) is 35/100 (Moderate Risk), with a MOT fail rate of 23.8% from 274,914 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Vauxhall Zafira or Audi A3?
- Based on DVSA MOT data, the Audi A3 (GVRI 35/100, Moderate Risk) has a lower modelled insurance risk than the Vauxhall Zafira (GVRI 45/100) by 10 index points — a 7.2 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 Vauxhall Zafira vs Audi A3 is the difference between their GVRI scores: GRCD = GVRI(Vauxhall Zafira) − GVRI(Audi A3) = 45 − 35 = +10 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).