Agenda

From Assisted Driving to Full Autonomy

8.50    Chair's Opening Remarks

Summit Chaired By: Doug Jenkins, Global Senior Motor Risk Consultant, AXA

KEYNOTE PANEL: EVOLUTION OF DRIVERLESS TECHNOLOGIES

9.00 Setting a Roadmap for the Evolution of Driverless Technologies to Gauge the Stages and Timescales Between Assisted Driving and Full Autonomy

  • Identifying the likely development stages between now and full autonomy: what level of autonomy is coming and in what timescales
  • Hearing from OEMs on strategies for making increased vehicle automation reliable and incentivising drivers
  • Quantifying the level of customer acceptance and anticipated future adoption rates across the car, light van and truck markets to define a timeframe for partial and full adoption
  • Assessing the implications of driverless technology errors to gauge how this will impact insurance business models
  • Evaluating how to manage the inflow of new autonomous technologies on the road system to determine their impact on road networks
  • Opening up a dialogue between OEMs, software developers and insurers to understand how they can engage with one another

Doug Jenkins, Global Senior Motor Risk Consultant, AXA

Tim Marlow, Head of Autonomous & Connected Vehicle Research, Ageas

Markus Gützlaff, Motor Consultant. Munich Re

Ben Howarth, Policy Adviser, ABI

Liability for Driverless Technologies

Evaluating the Transformation of Personal Liability into Product Liability in The Transition from Autonomous Technologies for Assisted Driving to
Driverless Cars, to Understand Where Liability Will Sit Going Forward

LIABILITY: COLLECTIVE CASE STUDIES

10.00 Assessing Liability Dynamics for Autonomous Technologies to Determine at Which Stage Personal Liability Turns Into Product Liability

  • Identifying how liability changes from the driver to the OEM to understand where liability will sit going forward
  • Assessing whether OEMs are willing to claim responsibility for accidents caused by their cars in autonomous mode: Volvo vs. Tesla
  • Determining whether driverless functions can be turned off by the driver or are inherent, to examine the implications of this on liability
  • Liability in the transition period: at what stage personal liability turns into product liability
  • How to partner with OEMs, to clarify what data can confirm whether a driver is driving or not at the time of an accident and how to access that vehicle data
  • Managing customer experience in the event of an accident to ensure customers are treated fairly and liability is quickly established

Case Study A: Jürgen Weichert, Head of Global Product Development Liability, Allianz

Case Study B: Sergio Gomez, Deputy Director, Global Innovation, MAPFRE

Case Study C: Ben Howarth, Policy Adviser, ABI

10.40 Question & Answer Session

10.50 Morning Refreshments

Impact on Claims and Premium Pricing

Examining How the Increased Use of Driver Assistance Technologies Will Impact Claims Frequency, Claims Severity and Claims Processes, and How This Will Feed Through to the Pricing of Insurance Premiums

CLAIMS

11.20 Evaluating the Impact of Autonomous Driving Technologies on Claims Frequency, Claims Severity and Claims Management

  • Understanding the near-term and long-term risks and benefits of increasing vehicle automation for the insurance industry
  • Using recent claims data to model the impact of new driverless technologies on the level and severity of claims
  • Evaluating early claims data from pilot driverless technologies to predict which types of claims are likely to increase, and which are likely to decrease
  • Assessing the effect of lower claims frequency but higher severity claims on the insurance business model

Matthew Avery, Director of Insurance Research, Thatcham Research

11.50 Question & Answer Session

PREMIUM PRICING

12.00 Examining the Increased Safety of Autonomous Driving Systems to Assess How an Increased Use of These Technologies Will Feed Through to Premium Pricing

  • Evaluating how innovative automated driving technologies affect traditional risk assessment and underwriting models to understand how this should feed through to pricing and rates
  • Debating how to embed the higher costs of vehicle and technology repairs for assisted driving vehicles into premium price rates
  • Understanding how to incorporate autonomous technologies for driving into underwriting risk grouping to gain clarity on how premium prices might come down during the transition period into assisted driving

Sergio Gomez, Deputy Director, Global Innovation, MAPFRE

12.30 Question & Answer Session

12.40 Networking Lunch

Autonomous Technologies for Assisted Driving

Quantifying the Capabilities of New Autonomous Technologies Such as Emergency Braking, Distance Control or Lane Departure Systems to Inform Risk Analysis, Liability and Claims

AUTOMATIC EMERGENCY BREAKING

1.40 Measuring the Effectiveness of Automatic Emergency Braking to Determine How It Impacts Personal Liability and Claim Rates

  • Evaluating what automatic emergency braking technology is capable of, to understand what difference it is already making to road safety
  • Examining whether automatic emergency braking is already contributing to reduced claim frequency, to determine whether insurers should lower the price of premiums for cars with this technology
  • Evaluating the relative effectiveness of low, medium, high speed and reversing AEB

Bettina Zahnd-Sinzig, Accident Research, AXA

2.10  Question & Answer Session

Dr. Anders Kullgren, Head of Traffic Safety Research, Folksam Will Be Joining this Question & Answer Session

COLLISION REDUCTION

2.20 Examining How ADAS Can Be Used in the Fleet Sector to Maximise Safety

  • Understanding the positive benefits of ADAS systems for fleets, and exploring possible unintended consequences
  • Hearing about how fleet managers can influence the additional spend required to equip ADAS to the fleet
  • Exploring where ADAS fits in to the risk management process
  • Finding out how grey fleet drivers can be influenced to choose ADAS equipped vehicles
  • Seeing how insurers can influence fleets to adopt ADAS technology

Andy Price, Practice Leader - EMEA, Motor Fleet, Zurich

2.50 Question & Answer Session

LANE DEPARTURE SYSTEMS

3.00 Gauging How Lane Departure Systems Can Make Roads Safer to Assess the Impact of This Technology on Personal Liability and Claims

  • Identifying the different systems installed by car manufactures, such as LDS
  • Examining self-centering lane departure systems to measure their effectiveness in keeping vehicles from veering off the road
  • Analysing damageability and reparability of the systems
  • Evaluating results from lane departure system to estimate the rate at which claims can be reduced due to their implementation on vehicles

Ruben Aparicio-Mourelo Alonso, Assistant Manager, CESVIMAP (MAPFRE)

3.30 Question & Answer Session

Data Ownership and Regulations on Driverless Technologies

How Legislative Developments Across Europe with Regards to and the Sharing of Driverless Technologies Data Will Impact the Adoption of Autonomous Technologies and Insurance Business Models

PANEL: DATA OWNERSHIP

3.40 Clarifying Who Owns Data From Driverless Technologies Devices and Software and How This Will Impact Insurance Business Models

  • Clarifying the volume and type of data that will be generated by driverless technologies devices and software
  • Determining what specific driverless technologies data will be useful to insurers in the event of an accident and how to access it
  • Identifying who owns data recorded in driverless and assisted driving vehicles: Is it the driver, the OEM or the insurance carrier?
  • Are OEMs willing to sell driverless technologies data to insurers? Determining the impact of data ownership on insurance business models
  • Understanding how insurers can ascertain when a driver switches auto mode on/off to determine how this would impact premium pricing
  • Should insurers of a non-automated car be given information from an automated car that was involved in a mutual accident?

Doug Jenkins, Global Senior Motor Risk Consultant, AXA

Jürgen Weichert, Head Of Global Product Development Liability, Allianz

Sergio Gomez, Deputy Director, Global Innovation, MAPFRE

Matthew Avery, Director of Research, Thatcham Research

4.20 Afternoon Refreshments

REGULATIONS FOR DRIVERLESS TECHNOLOGIES

4.50 Hearing How The Global Regulatory Framework For The Technology & Use of Driverless Systems Will Need To Adapt

  • Setting out the UK position on the regulatory framework for automated vehicles
  • Clarifying what needs to change at an international level to allow for general deployment and use of automated vehicles, and how this is likely to evolve
  • Identifying what other systems or regulations may need to change to facilitate market introduction of automated vehicles

Sachin Suchak, Head of the Regulatory Programme for the Centre for Connected & Autonomous Vehicles, Department for Transport (UK Government)

5.20 Question & Answer Session

The Future of the Insurance Business Model

How Insurance Carriers Can Create New Insurance Products And Service Offerings to Remain Relevant as the Use of Automation in Vehicles Increases and Accidents Become Less Frequent

WRAP-UP PANEL: REMAINING RELEVANT IN A WORLD OF AUTOMATION

5.30 Do Driverless Technologies Mean The End of Auto Insurance? How Do Insurance Products Need to Evolve to Be Relevant in a World of Driverless Vehicles

  • Understanding the implications for insurance carriers of a lower volume of accidents derived from driverless technologies
  • How insurers can examine and adapt their business models to embrace new technology and take advantage of the opportunities it brings
  • What auto insurance means in the future: Discussing innovative insurance products carriers will need to create to remain relevant in a world of driverless technologies
  • How insurers can recognise and react to new driverless technologies as they become available
  • How insurers can mitigate the risks of new technologies, whilst protecting their shareholders and business models
  • Clarifying insurance companies' role in driving the adoption of safety technology

Doug Jenkins, Global Senior Motor Risk Consultant, AXA

Karl Gray, Global Head of Casualty & Motor, Zurich Insurance Company

Dan Freedman, Head of Motor Development, Direct Line

Kenny Leitch, Global Telematics Director, RSA

Peter Shaw, CEO, Thatcham Research

Marcel Kurath, Senior Underwriter Motor Fleet, UNIQA Insurance Group

6.10 Chair's Closing Remarks

6.20 - 7.20 Networking Drinks Reception In Exhibition Showcase Area

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