SONAR|HES-SO

SONAR|HES-SO

SONAR|HES-SO regroupe les travaux de bachelor et master diffusables de plusieurs écoles de la HES-SO. Consultez cette page pour le détails.

En cas de question, merci de contacter les bibliothécaires de la HES-SO : bibliotheques(at)hes-so.ch

Back to SONAR
Back
Mémoire
Bachelor thesis

The effects of self-driving vehicles on the insurance industry

    2019

60

Mémoire de bachelor: Haute école de gestion de Genève, 2019

secteur des transports
voiture autonome
industrie de l'assurance
English In a not too distant future, autonomous vehicles might be part of our life, offering us a new type of mobility with promising benefits. Nevertheless, they are also expected to disrupt our environment in all kind of manners and potentially threaten sectors related to transports and mobility. The main objective of this thesis was to understand and find out the different effects that those could have on the Swiss auto-insurance industry. Indeed, so far, many opinions related to the problematic were expressed, however very few were directly considering the Swiss environment with its different infrastructures, stakeholders and mentalities. Therefore, we wanted to understand how those vehicles still in development, would impact the Swiss insurance organisations, their internal activities and their products. We wanted to understand the general dynamism going behind their development and try to point out how the different stages of their evolutions would impact the operations of insurance companies. This project revealed that because of the none-existence of adapted regulations, current self-driving systems were in fact considered as driving assistances to comply with the existing regulations as well as the Vienna Convention. As a consequence, the drivers are similarly liable and still required to subscribe a civil liability insurance policy. Findings were also reflecting the idea that until performances reach a certain level of reliability, regulations would not evolve and neither insurance products. It would only be at the time the legal framework is clearly established that insurance institutions would react. Depending on those evolutions, a new era of auto insurance services could arise. Indeed, insurance organisations might be evolving in a different environment, where mobility on demand would become prospering and corporations obliged to ensure their own vehicles, while the overall quantity of those might be significantly reduced. As a result, insurance institutions might have to deal with a different clientele, made of large corporations with strong bargaining power and a decreased quantity of individuals. Besides, autonomous vehicles will also implicate an evolution of the risks involved. Indeed, the risks related to driving could become irrelevant, while the ones emerging from cyber aspects could become particularly important. In response to those different vehicles, those emerging risks and those different customers, insurance companies might have to reassess their know-how, the way they operate and potentially expand their areas of expertise, while developing new sets of skills allowing them to design innovative products meeting the needs of a different environment.
Language
  • English
Classification
Economics
Notes
  • Haute école de gestion Genève
  • International Business Management
  • hesso:hegge
License
License undefined
Identifiers
  • RERO DOC 327908
Persistent URL
https://sonar.ch/hesso/documents/314933
Statistics
Document views: 236 File downloads:
  • BT_Jeremy_VOITCHOVSKY_-_Post_Defense.pdf: 247