Vauxhall Zafira vs Nissan Micra: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): +2 pts — Vauxhall Zafira is riskier by 2 index points. MOT fail-rate difference: +0.6 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Vauxhall Zafira or the Nissan Micra?
The Vauxhall Zafira (GVRI 45/100) is 2 index points riskier than the Nissan Micra (GVRI 43/100) according to the Gera Risk Comparison Delta — a 0.6 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 Nissan Micra: side-by-side risk data (2016)
| Measure | Vauxhall Zafira | Nissan Micra | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 45/100 | 43/100 | +2 pts |
| Risk band | Moderate Risk | Moderate Risk | Vauxhall Zafira riskier |
| MOT fail rate | 31.0% | 30.4% | +0.6 pp |
| MOT tests in dataset | 381,386 | 359,370 | — |
| Failed tests | 118,245 | 109,163 | — |
| Avg defect severity | 1.06 | 1.03 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +8 pts above avg | +6 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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Vauxhall Zafira vs Nissan Micra insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Vauxhall Zafira vs Nissan Micra?
- The Gera Risk Comparison Delta (GRCD) for the Vauxhall Zafira vs Nissan Micra is +2 index points, computed from GVRI(Vauxhall Zafira) = 45/100 and GVRI(Nissan Micra) = 43/100. The Vauxhall Zafira is the higher-risk model by 2 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 Nissan Micra GVRI?
- The Nissan Micra Gera Vehicle Risk Index (GVRI) is 43/100 (Moderate Risk), with a MOT fail rate of 30.4% from 359,370 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Vauxhall Zafira or Nissan Micra?
- Based on DVSA MOT data, the Nissan Micra (GVRI 43/100, Moderate Risk) has a lower modelled insurance risk than the Vauxhall Zafira (GVRI 45/100) by 2 index points — a 0.6 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 Nissan Micra is the difference between their GVRI scores: GRCD = GVRI(Vauxhall Zafira) − GVRI(Nissan Micra) = 45 − 43 = +2 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).