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Insurance Industry Reacts To Driverless Car Technology With 10 Key Criterion

As the reality of automated vehicles on UK roads draws nearer, insurers are today answering a question which continues to challenge the automotive industry; exactly what should a vehicle be capable of doing to deserve the title “Automated”?

To meet the Automated and Electric Vehicle Bill’s definition[1] of an automated vehicle, UK insurers are setting out minimum criteria for a vehicle’s automated systems.

Thees are the 10 key features and performance criteria required of a truly automated vehicle, according to UK car insurance industry:

  1. Naming: clearly describes automated capability
  2. Law abiding: complies with UK traffic laws and the Highway Code
  3. Location specific: functionality is limited to specific types of roads or areas via geo-fencing
  4. Clear handover: transfer of driving control follows a clear ‘offer and confirm’ process
  5. Safe driving: vehicle can manage all reasonably expected situations by itself
  6. Unanticipated handover: adequate and appropriate notice must be given if the vehicle needs to unexpectedly hand back driving control
  7. Safe stop: vehicle executes an appropriate ‘safe stop’ if unable to continue or the driver does not take back control
  8. Emergency intervention: vehicles can avoid or prevent an accident by responding to an emergency
  9. Back-up systems: safeguards step in if any systems fail
  10. Accident data: record and report what systems were in use at the time of an accident

The uk car insurance industry will assess new vehicles against these criteria to determine if a car is assisted or automated, to enable better drive standards in automated performance. This will require a constant dialogue with carmakers as the technology develops.