GeraSure / Vehicle Risk Index
UK Car Insurance Risk by Make and Model
The Gera Vehicle Risk Index (GVRI) ranks 600 UK make+model combinations on a 0–100 scale using 26,016,787 DVSA MOT tests (2016, OGL v3.0). Highest risk: NISSAN VANETTE (76/100). UK fleet average: 37/100.
Which UK car has the highest insurance and MOT risk by make and model?
Based on 26,016,787 DVSA MOT tests in 2016, NISSAN VANETTE has the highest Gera Vehicle Risk Index (76/100) among 600 UK make+model combinations, with a MOT fail rate of 53.6%. The UK fleet average GVRI is 37/100 (OGL v3.0 data, Gera Systems).
Check your car's Gera Vehicle Risk Index
Select your make and model to see its GVRI, MOT fail rate, and comparison to the UK fleet average.
Select your vehicle make to check its Gera Vehicle Risk Index — computed from 26,016,787 real DVSA MOT tests.
Highest-risk UK cars by GVRI (2016 DVSA MOT data)
| Make | Model | GVRI / 100 | Risk band | MOT fail rate | Tests |
|---|---|---|---|---|---|
| Nissan | Vanette | 76 | Very High Risk | 53.6% | 3,196 |
| Fiat | Multipla | 73 | High Risk | 51.3% | 6,905 |
| Daewoo | Matiz | 72 | High Risk | 50.9% | 15,252 |
| Ford | Puma | 69 | High Risk | 48.7% | 15,307 |
| Fiat | Stilo | 68 | High Risk | 48.2% | 15,582 |
| Alfa romeo | 156 | 67 | High Risk | 46.9% | 8,892 |
| Vauxhall | Corsa sxi 16v | 67 | High Risk | 47.9% | 3,486 |
| Citroen | Saxo | 66 | High Risk | 47.1% | 38,699 |
| Daewoo | Kalos | 66 | High Risk | 47.0% | 5,546 |
| Mazda | Premacy | 66 | High Risk | 46.5% | 3,929 |
| Mazda | 323 | 64 | High Risk | 45.4% | 14,835 |
| Mitsubishi | Space star | 64 | High Risk | 44.7% | 9,853 |
| Hyundai | Trajet | 64 | High Risk | 43.9% | 4,513 |
| Vauxhall | Corsa club 16v | 64 | High Risk | 45.5% | 3,664 |
| Fiat | Seicento | 63 | High Risk | 45.0% | 11,746 |
| Nissan | Terrano ii | 63 | High Risk | 45.0% | 8,605 |
| Mitsubishi | Carisma | 63 | High Risk | 43.9% | 7,944 |
| Citroen | C8 | 63 | High Risk | 44.3% | 7,006 |
| Peugeot | 807 | 63 | High Risk | 45.0% | 6,593 |
| Peugeot | 106 | 62 | High Risk | 44.1% | 42,720 |
GVRI = 0.6 × MOT_fail_rate + 0.4 × avg_defect_severity_norm, min-max scaled 0–100. Class-4 (car) normal tests only. N ≥ 30 threshold applied. Source: DVSA MOT 2016.
Lowest-risk UK cars by GVRI (2016)
| Make | Model | GVRI / 100 | Risk band | MOT fail rate | Tests |
|---|---|---|---|---|---|
| Honda | Jazz i-vtec es cvt | 7 | Very Low Risk | 2.9% | 3,750 |
| Skoda | Citigo | 9 | Very Low Risk | 5.2% | 11,466 |
| Honda | Jazz i-vtec es | 9 | Very Low Risk | 3.8% | 4,166 |
| Ford | Fiesta zetec auto | 9 | Very Low Risk | 6.2% | 3,565 |
| Toyota | Prius t3 vvt-i cvt | 9 | Very Low Risk | 6.7% | 3,127 |
| Vauxhall | Mokka | 10 | Very Low Risk | 5.4% | 15,722 |
| Toyota | Yaris tr vvt-i | 10 | Very Low Risk | 6.5% | 9,572 |
| Volkswagen | High up | 10 | Very Low Risk | 4.7% | 5,001 |
| Volkswagen | Move up | 11 | Very Low Risk | 5.4% | 10,361 |
| Volkswagen | Up | 11 | Very Low Risk | 7.0% | 8,327 |
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Browse by model (600 combinations)
Individual GVRI pages are available for 600 UK make+model combinations with ≥30 MOT tests in the 2016 DVSA dataset.
Showing 30 of 600 vehicles. Use the tool above to look up any make and model, or browse individual pages below.
UK car insurance risk: frequently asked questions
- What is the Gera Vehicle Risk Index (GVRI)?
- The Gera Vehicle Risk Index (GVRI) is a 0–100 composite score measuring the MOT failure and defect risk profile of a make+model combination. It is computed from two components: MOT fail rate (60% weight) and average defect severity per failed test (40% weight), both derived from the DVSA Anonymised MOT Test Results dataset (2016, OGL v3.0). A GVRI of 0 = lowest risk; 100 = highest risk. Only combinations with ≥30 tests are included.
- How is MOT fail rate calculated?
- MOT fail rate = number of failed tests ÷ total class-4 (car) normal tests for that make+model in the DVSA 2016 dataset. It is the fraction of tests where the vehicle received a result of 'F' (fail). PRS (Pass with Rectification at Station) results are counted as passes. Only initial (normal) tests are counted — retests are excluded.
- What does average defect severity mean?
- For each failed test, defect severity is the mean severity of all 'failure' items: standard failure items score 1; items marked as dangerous (D) score 3. The per-test average is then averaged across all failed tests for that make+model. This gives a sense of whether failures tend to be routine (e.g. lighting) or safety-critical (e.g. brakes, steering). Higher average severity → higher GVRI (via the 0.4 weight).
- Does a higher GVRI mean higher insurance premiums?
- A higher GVRI reflects a higher rate of MOT failures and more severe defects, which correlates with claim risk and therefore with insurance pricing — but the GVRI is not a premium quote. Insurers also weigh driver age, NCB, postcode, annual mileage, modifications and many other factors. The GVRI provides objective context for understanding a model's relative mechanical reliability and risk profile.
- Which cars have the lowest GVRI (lowest risk)?
- HONDA JAZZ I-VTEC ES CVT has the lowest GVRI among the 600 most-tested combinations (GVRI 7/100, 2016 data). Japanese and German luxury models typically score in the Very Low Risk band (GVRI < 15), while older, high-volume economy cars and LCVs tend to score higher. Check individual model pages for precise figures.
- Where does the data come from?
- All GVRI values are computed from the DVSA Anonymised MOT Test Results dataset, published by the Driver and Vehicle Standards Agency under the Open Government Licence v3.0. The 2016 file contained 26,016,787 class-4 (car) normal MOT tests. The full formula is published on the GVRI methodology page and is independently reproducible from the source data.
Methodology
The Gera Vehicle Risk Index is computed from DVSA Anonymised MOT Test Results (OGL v3.0): GVRI = 0.6 × MOT_fail_rate + 0.4 × avg_defect_severity_norm, min-max scaled to 0–100. Only class-4 (car) normal tests with N ≥ 30 are included. Full formula, inputs and step-by-step verification on the GVRI 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).