The results of a UK Government consultation are due shortly which will shed light on Insurance coverage issues for autonomous vehicles.
Under the proposals:
- the ‘Highway code’ and regulations will be changed to support the safe use of remote control parking and motorway assist features
- insurance law will be changed so that, in the future, motorists who have handed control to their ‘self-driving’ cars can be insured properly
The proposed changes to insurance will be brought forward in the Modern Transport Bill. Motor insurance will remain compulsory but will be extended to cover product liability for automated vehicles.
When a motorist has handed control to their vehicle, they can be reassured that their insurance will be there if anything goes wrong.
James Dalton, Director of General Insurance Policy at the Association of British Insurers (ABI), said:
The ABI’s Automated Driving Insurer Group has been engaged in constructive and productive discussions with the DfT for many months now so it is good to see the importance of insurance to the vehicles of the future recognised within this consultation. The development of automated driving will revolutionise motoring, potentially as important a road safety innovation as the seatbelt. Insurers strongly support the Government’s ambition of making the UK a world leader in this technology and believe the insurance industry has a key role in helping give consumers confidence in using these vehicles when they become more widely available.
The driver’s insurer will still pay out in the normal way so road accident victims are promptly reimbursed – but the insurer will then be able to claim the money back from the car company if the vehicle is deemed to be at fault.