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1、Theevolutioninself-drivingvehiclesTrendsandimplicationsfortheinsuranceindustryExecutivesummaryAnumberofsocial,economicandtechnologicaltrendsareworkingtogethertodisruptmobility.Theautomotiveindustry,inparticular,isexperiencingamassiveamountofchange.Inthenot-too-distantfuture,fullyautonom
2、ousvehicleswillbethenormratherthantheexception,redefiningurbanmobilityasweknowit—andtheywillbeshared,connectedandgreen.ThegeneralexpectationforthefutureiscapturedbyacommentbyMaryBarra,ChiefExecutiveOfficerofGeneralMotors.Lastyear,shesaid:“We’regoingtoseemorechangeinthenext5to10yearsthan
3、we’veseeninthelast50.”Thesechangeswillnotonlyaffecttheglobalautomotivemarket.PerhapsthemostcomplexchallengeswillbefacedbytheglobalautoinsurancemarketwhichisvaluedatanestimatedUS$700b.Theevolutioninself-drivingvehicles
4、2AnevolvingcompetitiveenvironmentAllmajorcarmanufacturersareactiveint
5、hisspace,withnewpartnershipscontinuouslybeingannounced.Mostautomakersareracingtodifferentiatetheirpremiummodelswithintelligentdriver-assistfunctions,suchassmartcruisecontrol,accidentavoidance,andcrashmonitoringandreporting.Theseeffortswillhastenconsumertrustindriverlesstechnologyandacce
6、leratetheproliferationofthetechnologyforallcarmodels.Somemanufacturersaregoingevenfurther;forexample,Volvo,anautomakerknownforsafetyalthoughrelativelysmallintermsofglobalsales,predictsthatitwillbeabletoeliminatecrashesaltogetherforanyonedrivingoneofitscarsby2020.Inadditiontotraditionalp
7、layers,newcompetitorsaregainingtractioninthisspace.Uber,despiterecentchallenges,hasbeentestingautonomousvehiclesinCalifornia.Waymo–Alphabet’sself-drivingcompany–hascompletedmillionsofmilesoftesting.Teslahasbeenincreasinglyaddingautonomousfeaturestoitscarswitheachsoftwareupdate.Someofthe
8、seplayershavedeeppocketsthattheymightusetooffercheaperinsuranceorincreasedwarranties,tohastenadoptionandtograbmarketshare.3
9、Theevolutioninself-drivingvehiclesAlong-termgamewithshort-termimplicationsDespitethishighlevelofinterestandinvestment,widespreadadoptionofcompletelyautono
