Insurance for Driverless Car

Adrian Flux, a British insurance company that has long specialized in hard-to-insure vehicles, now specifically covers driverless features, beginning with today’s stalwarts, like automatic braking and extending to tomorrow’s, like lane changing and self-navigation.

It’s one of the first concrete steps the insurance industry has taken to address a world in which accidents may be rare, damages low, and insurance policies inexpensive. The Norfolk-based insurer’s policy covers any faults that might affect the manufacturer’s software, outages in satellite service, and attempts by hackers to vandalize or commandeer a car. It even covers such seemingly human errors as failing to install a software updates within 24 hours of being notified of their availability and failing to manually override the car’s software when it’s about to make a mistake.

That last proviso may be of particular importance during the long transition from cars driven purely by hand to those driven purely by machine. The one accident in which Google’s car has been found at fault involved a decision by the car’s supervision driver not to override the software when a bus was approaching from behind. The result was a metal-rending scrape, but one that hurt nobody.

The insurance company was established in 1973 by Adrian Flux who wanted to ensure its cars assembled in kit. It has extended its offer to disabled people and to transport wheelchairs. Today he runs for IoT (LHD in UK). See also http://spectrum.ieee.org/ www.adrianflux.co.uk/

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