Bmw 120: Insurance Risk & MOT Data
Gera Vehicle Risk Index (GVRI) 29/100 — Low Risk. MOT fail rate 18.4% from 44,291 DVSA MOT tests (2016, OGL v3.0).
What is the insurance and MOT risk for the Bmw 120?
The Bmw 120 has a Gera Vehicle Risk Index (GVRI) of 29/100 (Low Risk), with a MOT fail rate of 18.4% from 44,291 class-4 DVSA MOT tests in 2016 — below the UK fleet average of 37/100 by 8 index points. Source: DVSA MOT data, OGL v3.0.
| Measure | Value | Context |
|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 29 / 100 | Low Risk |
| MOT fail rate | 18.4% | UK avg 25.0% |
| Total MOT tests | 44,291 | 2016 dataset |
| Failed tests | 8,161 | = 18.4% of tests |
| Avg defect severity | 1.09 | 1=standard, 3=dangerous |
| vs UK fleet GVRI | -8 pts | Fleet avg 37/100 |
| vs UK fleet fail rate | -6.6 pp | Fleet avg 25.0% |
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View all 600 models →Bmw 120 insurance risk: frequently asked questions
- What is the GVRI for the Bmw 120?
- The Bmw 120 has a Gera Vehicle Risk Index (GVRI) of 29/100 (Low Risk), computed from 44,291 DVSA Anonymised MOT class-4 (car) normal tests in 2016. The UK fleet average GVRI is 37/100. A GVRI of 0 = lowest risk; 100 = highest.
- What is the MOT fail rate for the Bmw 120?
- The Bmw 120 MOT fail rate is 18.4% based on 44,291 class-4 normal MOT tests recorded by DVSA in 2016. This means 18.4% of tests resulted in a 'Fail' outcome. The UK class-4 normal test fail rate across the fleet is 25.0%.
- Is the Bmw 120 a high-risk car to insure?
- The GVRI of 29/100 places the Bmw 120 in the Low Risk band, below the UK fleet average of 37/100. Higher GVRI means higher mechanical defect risk from real MOT data, which correlates with claim risk. However, insurance premiums also depend on driver profile, postcode, NCB, annual mileage, and policy type — the GVRI is one indicator, not a premium quote.
- How is the Gera Vehicle Risk Index calculated?
- GVRI = 0.6 × MOT_fail_rate + 0.4 × avg_defect_severity_norm, min-max scaled 0–100. MOT fail rate = failed tests ÷ total class-4 normal tests. Defect severity = mean severity of 'F' items per failed test (1 = standard failure, 3 = dangerous item). Full methodology on the GVRI methodology page. Source: DVSA 2016 data, OGL v3.0.
Methodology
The Gera Vehicle Risk Index (GVRI) for the Bmw 120 is computed from 44,291 DVSA Anonymised MOT Tests (class-4 normal tests, 2016): GVRI = 0.6 × MOT_fail_rate + 0.4 × avg_defect_severity_norm, min-max scaled to 0–100. Full formula and verification steps are 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).