Volkswagen Polo vs Nissan Micra: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): -2 pts — Nissan Micra is riskier by 2 index points. MOT fail-rate difference: -1.9 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Volkswagen Polo or the Nissan Micra?
The Nissan Micra (GVRI 43/100) is 2 index points riskier than the Volkswagen Polo (GVRI 41/100) according to the Gera Risk Comparison Delta — a 1.9 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 Nissan Micra: side-by-side risk data (2016)
| Measure | Volkswagen Polo | Nissan Micra | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 41/100 | 43/100 | -2 pts |
| Risk band | Moderate Risk | Moderate Risk | Nissan Micra riskier |
| MOT fail rate | 28.5% | 30.4% | -1.9 pp |
| MOT tests in dataset | 504,691 | 359,370 | — |
| Failed tests | 144,000 | 109,163 | — |
| Avg defect severity | 1.05 | 1.03 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +4 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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Get insurance quotes for the Volkswagen Polo — lower-risk by 2 GVRI points
The Volkswagen Polo (GVRI 41/100) is 2 index points lower-risk than the Nissan Micra 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 Nissan Micra insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Volkswagen Polo vs Nissan Micra?
- The Gera Risk Comparison Delta (GRCD) for the Volkswagen Polo vs Nissan Micra is -2 index points, computed from GVRI(Volkswagen Polo) = 41/100 and GVRI(Nissan Micra) = 43/100. The Nissan Micra is the higher-risk model by 2 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 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 Volkswagen Polo or Nissan Micra?
- Based on DVSA MOT data, the Volkswagen Polo (GVRI 41/100, Moderate Risk) has a lower modelled insurance risk than the Nissan Micra (GVRI 43/100) by 2 index points — a 1.9 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 Nissan Micra is the difference between their GVRI scores: GRCD = GVRI(Volkswagen Polo) − GVRI(Nissan Micra) = 41 − 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).