- Project plans
- Project activities
- Legislation and standards
- Industry context
Last edited 12 Sep 2019
Autonomous vehicles and the insurance market
From the moment AXA became involved with automated vehicle testing they were clear about the societal benefits they thought this technology could deliver - less accidents, safer roads, reduced congestion and a mobility solution for people who are currently unable to drive, and so on.
The initial risk was that the motor insurance market would be turned upside down, but the recently published Bill represents a great first step towards an insurance system that would be both familiar to customers and deliverable by insurance companies.
By effectively placing a strict liability on insurers to pay out in the event of an accident involving an automated vehicle, the bill retains the status quo and places road user and pedestrian safety at its core.
In addition, reaffirming the rights of recovery available to insurers under existing legislation (negligence, products liability, etc.), means that the burden of liability will not fall heavily on those who will be responsible for the pioneering research and development – motor manufacturers, tech and software companies – thereby potentially stifling innovation.
With cars communicating with each other, with transport infrastructure or indeed a local network transport operator, then data privacy, data access for third parties such as insurers, and cyber security are issues that need to be resolved.
If the goal is to create a transport ecosystem that is rooted in connectivity, then it is important to recognise that relevant information will be generated by onboard automated features, by vehicle-to-vehicle (V2V) communications, and by vehicle-to-infrastructure (V2I) communications. A level of data sharing between the various parties will be absolutely key.
However, the fast-paced nature of change in this area, coupled with the collaborative approach that the UK government and all sorts of different companies are taking, suggests it won't be too long until we begin to get some answers.
 Related articles on Designing Buildings Wiki
- Articles by ICE on Designing Buildings Wiki.
- Autonomous vehicles.
- 2050 and the Future of Infrastructure.
- Autonomous vehicles - do we trust them?
- Autumn Statement 2016.
- Car sharing.
- Contemporary Cartography exhibition.
- Data-driven mobility.
- ‘Future Roads of Grand Paris’ Exhibition
- Highways in England and Wales.
- Infrastructure and Projects Authority.
- Our critical infrastructure is more vulnerable than ever. It doesn’t have to be that way.
- Queens Speech 2016.
- Road traffic management.
- Transport assessment.
- Transport design and health.
Featured articles and news
Strategies to help provide safer working conditions.
Protecting flora, fauna and the other natural features of Scotland.
Architecture considered somewhere between 'sublime and beautiful'.
Polish piano factory revived through an energy-oriented tune up.
Dynamic architectural approach sets out to restore and improve the environment.
Entries accepted from 1 December 2020 to 14 April 2021.
Procedure discontinued for sale or re-mortgage of buildings without cladding.
The art of negotiation.
APPGI considers key issues for economic recovery.
Progress made on global fire safety standard.
Why did it take 111 years to build this Victorian engineering marvel?
Fantastic cities from above but flawed on the ground.
Organisation unveils supporting tools and initiatives.