Buying insurance for autonomous cars should be little different to regular vehicles, according to the Association of British Insurers (ABI).
The ABI has published a report with industry body Thatcham Research in response to the Department for Transport’s consultation on how to support the developing market for self-driving cars and technologies. Autonomous vehicles could be on public roads as soon as 2021.
The report suggests consumers shouldn’t see much difference from the current motor insurance system when autonomous cars come to market.
Among the main points it makes are that drivers should be able to buy a single motor insurance policy to cover both autonomous and manual drivers. It also suggests that insurers should have a legal right to recovery, which would allow them to reclaim costs from manufacturers and software companies if they are found to be at fault for an accident.
The report recommends that strict rules be established and enforced on what drivers can and cannot do behind the wheel or autonomous cars, and stresses that existing cars that offer assistance systems, such as emergency braking and lane assist, should not be confused with fully self-driving vehicles.
The ABI says that insurers want road users to have confidence that consumers involved in accidents involving autonomous vehicles will not be treated any differently to those involving manually driven cars. It says having separate product liability policies for automated driving modes would be too complicated.