Volkswagen Polo vs Honda Civic: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): +4 pts — Volkswagen Polo is riskier by 4 index points. MOT fail-rate difference: +2.6 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Volkswagen Polo or the Honda Civic?
The Volkswagen Polo (GVRI 41/100) is 4 index points riskier than the Honda Civic (GVRI 37/100) according to the Gera Risk Comparison Delta — a 2.6 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.
Volkswagen Polo vs Honda Civic: side-by-side risk data (2016)
| Measure | Volkswagen Polo | Honda Civic | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 41/100 | 37/100 | +4 pts |
| Risk band | Moderate Risk | Moderate Risk | Volkswagen Polo riskier |
| MOT fail rate | 28.5% | 26.0% | +2.6 pp |
| MOT tests in dataset | 504,691 | 370,384 | — |
| Failed tests | 144,000 | 96,136 | — |
| Avg defect severity | 1.05 | 1.04 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +4 pts above avg | 0 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.
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Get insurance quotes for the Honda Civic — lower-risk by 4 GVRI points
The Honda Civic (GVRI 37/100) is 4 index points lower-risk than the Volkswagen Polo 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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Volkswagen Polo vs Honda Civic insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Volkswagen Polo vs Honda Civic?
- The Gera Risk Comparison Delta (GRCD) for the Volkswagen Polo vs Honda Civic is +4 index points, computed from GVRI(Volkswagen Polo) = 41/100 and GVRI(Honda Civic) = 37/100. The Volkswagen Polo is the higher-risk model by 4 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Volkswagen Polo GVRI?
- The Volkswagen Polo Gera Vehicle Risk Index (GVRI) is 41/100 (Moderate Risk), with a MOT fail rate of 28.5% from 504,691 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- What is the Honda Civic GVRI?
- The Honda Civic Gera Vehicle Risk Index (GVRI) is 37/100 (Moderate Risk), with a MOT fail rate of 26.0% from 370,384 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Volkswagen Polo or Honda Civic?
- Based on DVSA MOT data, the Honda Civic (GVRI 37/100, Moderate Risk) has a lower modelled insurance risk than the Volkswagen Polo (GVRI 41/100) by 4 index points — a 2.6 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 Volkswagen Polo vs Honda Civic is the difference between their GVRI scores: GRCD = GVRI(Volkswagen Polo) − GVRI(Honda Civic) = 41 − 37 = +4 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).