Vauxhall Zafira vs Ford Ka: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): -9 pts — Ford Ka is riskier by 9 index points. MOT fail-rate difference: -7 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Vauxhall Zafira or the Ford Ka?
The Ford Ka (GVRI 54/100) is 9 index points riskier than the Vauxhall Zafira (GVRI 45/100) according to the Gera Risk Comparison Delta — a 7.0 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 Ford Ka: side-by-side risk data (2016)
| Measure | Vauxhall Zafira | Ford Ka | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 45/100 | 54/100 | -9 pts |
| Risk band | Moderate Risk | Moderate Risk | Ford Ka riskier |
| MOT fail rate | 31.0% | 38.0% | -7 pp |
| MOT tests in dataset | 381,386 | 304,663 | — |
| Failed tests | 118,245 | 115,873 | — |
| Avg defect severity | 1.06 | 1.04 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +8 pts above avg | +17 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 9 GVRI points
The Vauxhall Zafira (GVRI 45/100) is 9 index points lower-risk than the Ford Ka 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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Vauxhall Zafira vs Ford Ka insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Vauxhall Zafira vs Ford Ka?
- The Gera Risk Comparison Delta (GRCD) for the Vauxhall Zafira vs Ford Ka is -9 index points, computed from GVRI(Vauxhall Zafira) = 45/100 and GVRI(Ford Ka) = 54/100. The Ford Ka is the higher-risk model by 9 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 Ford Ka GVRI?
- The Ford Ka Gera Vehicle Risk Index (GVRI) is 54/100 (Moderate Risk), with a MOT fail rate of 38.0% from 304,663 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Vauxhall Zafira or Ford Ka?
- Based on DVSA MOT data, the Vauxhall Zafira (GVRI 45/100, Moderate Risk) has a lower modelled insurance risk than the Ford Ka (GVRI 54/100) by 9 index points — a 7.0 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 Ford Ka is the difference between their GVRI scores: GRCD = GVRI(Vauxhall Zafira) − GVRI(Ford Ka) = 45 − 54 = -9 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).