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AUTOMATED & CONNECTED VEHICLES: Taboe op risico’s zelfrijdende auto doorbroken.
EVU symposium 9 Sept 2016
Evert-Jeen van der Meer
Industry Director Automotive
Aon Risk Solutions.
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Aon Risk Solutions Fun Facts
With 72,000 colleagues in more than 120 countries, Aon is the leading global advisor on the topics of risk and people. We provide innovative solutions to our clients around six key areas: health, talent, risk, retirement, data & analytics and capital.
Aon clients are responsible for designing and manufacturing 70% of the world’s 20 bestselling pharmaceutical products
In the U.K., more than five billion liters of milk a year are supplied by companies insured through Aon.
There is one in two chance that your mobile phone was produced by an Aon client.
Aon has brokered the aviation insurance for American Airlines since 1936.
Aon presents in 2015 the White’Paper ‘When carw becomes autonomous’.
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Aon was the first organization to develop catastrophe models for a number of country-specific perils including floods, earthquakes and terrorist attacks.
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Autonomous driving: What’s new?
First autonomous car: 1925 in NY on 5th Avenue. Driver Francis Houdina & co pilot.
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“The auto industry is poised for more change in the next five to ten years than it’s seen in the past 50.” – Mary Barra, CEO, General Motors.
With the auto industry currently on the cusp of a seismic shift towards full digitization Chief Digital Officers are appointed.
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How to tell if your company needs a Chief Digital Officer
A keen focus on the customer and the metrics that measure the quality of the customer experience.
The analytical skills to identify areas of the business where innovation presents the greatest opportunity.
The communication skills to paint a picture for the organization for how that innovation will transform the process.
The leadership capacity to drive real results in transforming processes.
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Before we make a deep dive analysis:
C-ACC?
AEBS?
How many lives will eCall save annually in the EU?
EDR?
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Aon onderzoekt de risico’s van voertuiginnovaties, toetst de verzekerbaarheid en verzekerd autonome voertuigen.
2011 - Risico’s van elektrische auto’s.
2014 – Risico’s en verzekerbaarheid van zelfrijdende voertuigen.
2015 - Test van auto’s op de testbaan
2015 – Verzekeren van ‘level 4’ gekentekend voertuig.
2016 – Nationale Platoon Test op de A2.
2016 – Mondiale dekking voor
Peoplemovers (Pods)
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Verkennende analyse i.s.m: Ministerie I&M Auto- &
Leasebranche Verzekeraars Kennisinstituten Advocatuur Rijvaardigheids-
instellingen Adaptive Cruise Control (ACC).
Electronic Stability Program (ESP)
Blind Spot Fileassistent
Automatisch in je rijbaan blijven
Automatisch inparkeren
Connected
Automatisch remmen bij een ongeval
Verkeersbord herkenning
E call
Bestuurder word passagier
Onderzoek naar risico’s & verzekerbaarheid zelfrijdende voertuigen (2014)
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Conclusies onderzoek zelfrijdende voertuigen (1) Zorgen over:
– Aansprakelijkheid – Privacy – Verkeersveiligheid – Cybersecurity
‘Showroom auto’s’ kennen al veel rij-ondersteuningsfuncties.
Autofabrikant is aansprakelijk
– de software analyseert, beslist en grijpt in zonder dat de bestuurder dit kan overrulen. De auto is ‘in control’ als deze zelfstandig remt in geval van gevaarlijke verkeerssituatie.
Ontbreken van mondiale ethische waarden – op basis waarvan een zelfrijdende auto beslissingen in het verkeer
neemt.
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Conclusies onderzoek zelfrijdende voertuigen (2) Regelgeving om veiligheidssystemen in auto’s gestructureerd te registreren
door o.a.: – RDW – Verzekeraar – Expertise bureau
Europese harmonisatie van: – verzekerde limieten voor WA-verzekering voertuigen – Wet- en regelgeving (controle over het voertuig of paard) – Bestuurder ook verzekerd bij éénzijdige aanrijding!
Zorgplicht als het gaat om informatie over veiligheidssystemen door:
– Autofabrikant / verkopers – Mobiliteitsproviders – Werkgevers (zorgplicht) – Leden- & branche-organisatie – Overheid (fiscale stimulering), CBR
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Een seconde onoplettendheid bij 100 km per uur impliceert 28 mtr remweg.
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Nationale Platoontest 16 maart 2016
Test met 58 semi-autonome voertuigen op de A2. http://www.aon.com/netherlands/zelfrijdende-auto/video.jsp
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Purpose of this national test Create awarenss with drivers of company cars. Duty of care laws around the world force employers to develop and analyze
their corporate travel programs to be sure they fulfill their duty of care for all employees. Including safe & connected cars!
Gain knowledge for the future new insurance model.
Increasing the adoption of safety & comfort features in cars.
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Test with ‘showroom’ cars with EuroNCAP 5 stars
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Aanbevelingen uit de Nationale Platoon test
Veiligheidssystemen standaard uitrusting op nieuwe auto’s; even geen City Emergency Brake voor de NP!
Personaliseren van veiligheidsfuncties
Keep your lane assit & ACC in de file automatisch ingeschakeld;
Hoog autonome functies tot max 130 km;
Hou de bestuurder gefocust op de rijrichting;
Systemen ingeschakeld bij veilig verkeersbeeld – platooning!
Mobiliteitsbeleid werkgevers moet veiliger!
Rij instructies & awareness: met professionele begeleiding ervaren wat de
systemen wel en NIET kunnen;
Transitie periode verkleinen: meer testen op de openbare weg!
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Autonomous cars ‘disruptive’ for the insurance industry?
CEO of Volvo: – We will accept all liability when
our cars are in autonomous mode!
– Consequences: • Ownership of liability • Product liability?
– Manufacturer pays the premium? – Car needs a driverslicense? – Bring Drive Me programme to
the Netherlands
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Insurance industry think different!
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Learning by doing! More roadtests to come!
Bedankt voor uw aandacht.
EJ. Van der Meer
Aon Risk Solutions
Aon.nl/zelfrijdende auto