{"id":16567,"date":"2025-10-28T11:18:31","date_gmt":"2025-10-28T09:18:31","guid":{"rendered":"https:\/\/www.automotive-today.ro\/?p=16567"},"modified":"2025-10-28T11:57:56","modified_gmt":"2025-10-28T09:57:56","slug":"allianz-urges-eu-wide-driving-license-for-autonomous-vehicles","status":"publish","type":"post","link":"https:\/\/www.automotive-today.ro\/index.php\/2025\/10\/28\/allianz-urges-eu-wide-driving-license-for-autonomous-vehicles\/","title":{"rendered":"Allianz urges EU-wide \u201cdriving license\u201d for autonomous vehicles"},"content":{"rendered":"\n

The promise of autonomous mobility is not just a technological leap \u2013 it represents a transformation in safety, comfort and accessibility that is already underway with Level 3 vehicles on European roads and Level 4 system which operate in real-world test fields. At the 13th Allianz Motor Day in 2025, hosted by the Allianz Center for Technology (AZT)<\/strong>, Allianz explores both the potential and challenges of autonomous driving, including questions about vehicle safety, liability, the use of in-vehicle data of autonomous vehicles (AVs) and more inclusive mobility for youth, elderly or people with disabilities. The insurer already insures test fields in several countries, including Germany, Norway or Singapore.<\/p>\n\n\n\n

AZT research and proprietary claims analysis indicate a significant decline in motor liability claims frequency driven by advanced driver assistance systems (ADAS) now available in select models. While these systems already demonstrate impressive potential, consumers across Europe still view automated driving technology as relatively untested, although they expect strong safety and comfort gains. These findings, published in the Allianz report HANDS OFF \u2013 the safety promise of autonomous mobility<\/strong>, highlight the transformative effect of automated systems on road safety and insurance dynamics.<\/p>\n\n\n\n

\u201cAutonomous mobility no longer a question of if. It is about how fast, how safe and how fair. Every technological advancement must translate into fewer collisions, fewer victims, and greater independence for millions. At Allianz, we see autonomous driving as a shared responsibility to build safer and more inclusive mobility. Together with the Allianz Center for Technology, manufacturers and regulators, we will shape safety standards and piloting innovative insurance solutions. The future of mobility will be autonomous, but safety must always remain in human hands,\u201d said Dr Klaus-Peter R\u00f6hler, Member of the Board of Management of Allianz SE, Insurance German Speaking Countries, Central Europe, Global Property & Casualty<\/strong>.<\/p>\n\n\n\n

As a safety-focused leader in mobility innovation, Allianz advocates for a European \u201cdriving license\u201d for autonomous systems. For AVs to be able to use European roads in the future, they will need to be approved. From Allianz\u2019s perspective, the certification process is not yet comprehensively regulated under EU 2022\/1426. Therefore, the insurer proposes a combination of digital driving simulations, a practical test under identical defined conditions (e.g. braking or evasive maneuvers) and a real-world test in various driving conditions (e.g., night or motorway). To clarify accidents and learn from near misses, Allianz advocates for a Europe-wide database operated jointly by manufacturers, regulators, and insurers.<\/p>\n\n\n\n

\u201eWe are calling for an EU-wide uniform testing approach for autonomous vehicles to ensure reliable verification of the necessary safety standards across the EU. Let\u2019s call it a \u201cdriving license\u201d for autonomous vehicles. Just as humans must prove they can drive safely, autonomous vehicles must prove that they can steer and navigate safely in all driving situations. Open access to accident- and safety-related vehicle data is essential to ensure accountability and maintain public confidence,\u201d said Dr. Klaus-Peter R\u00f6hler<\/strong>.<\/p>\n\n\n\n

Allianz forecasts significant drop in accidents<\/strong><\/p>\n\n\n\n

The AZT has examined the safety performance of autonomous driving and predicts that automation will sharply reduce accidents caused by human error, such as fatigue, distraction or misjudgment. The AZT forecasts a 20 percent drop in road-traffic accidents in Europe by 2035, rising to more than 50 percent from 2060 onwards, using 2023 as the base year, as the mix of conventional (Levels One and Two) and automated (Levels Three and Four) vehicles scales up. This outlook incorporates the future market penetration of active operating systems under conservative to progressive scenarios and the impact of mixed traffic with vehicles without autonomous systems\u2013 rather than solely the technical potential. It is based in-house modeling as well as a data of the German insurance association GDV.<\/p>\n\n\n\n

Already in today\u2019s cars, ADAS with automated emergency braking (AEB) underscore this high safety potential. Based on an analysis of 20,000 Allianz motor insurance liability claims, rear-end collisions in flowing traffic fell by 30 percent on average when AEB was installed as standard. The most advanced systems reduced reversing crashes in parking scenarios by 66 percent.<\/p>\n\n\n\n

\u201cThe message is consistent: when effective advanced driver assistance systems are deployed as standard equipment, safety gains are immediate and significant. Where adoption is partial or left to optional packages, benefits stay modest. For Allianz, this highlights the importance of broad, standardized implementation of driver assistance systems as a legal requirement,\u201d said Dr Christian Sahr, Head of Allianz Center for Technology (AZT).<\/strong><\/p>\n\n\n\n

Fewer accidents will mean fewer claims; yet the value of each claim will rise as AVs become more technologically complex. Lower claim frequency is offset by higher repair bills, mainly due to the cost of sensors and rising prices for parts and labor. Physical damage claims from hail or theft will prevail, while new forms of risk \u2013 from software failures to cyberattacks \u2013 will demand new kinds of cover.<\/p>\n\n\n\n

\u201cAutonomous vehicles will also transform how we assess and price risk. While traditional vehicle classification \u2013 based on historical claims frequency \u2013 remain relevant, their importance will gradually decline as we emphasize driver assistance system safety performance. We are evolving our pricing models by complementing existing type classifications with a safety scoring model that reflects how both the vehicle and its systems contribute to the overall risk. This will ensure a more accurate and forward-looking approach to premium setting. At a time when consumers face rising living cost, autonomy can deliver both safety and affordability of motor insurance,\u201d said Dr. Klaus-Peter R\u00f6hler<\/strong>.<\/p>\n\n\n\n

Consumer survey: Confidence and caution<\/strong><\/p>\n\n\n\n

To gauge trust and acceptance of AVs, Allianz conducted a representative consumer survey in seven European countries (Austria, Germany, France, Italy, Switzerland, the Czech Republic and the United Kingdom). The results demonstrate broad confidence in safety improvements but also highlight uncertainty regarding technological maturity.<\/p>\n\n\n\n

More than half of respondents (56 percent) expect autonomous cars to be safer or at least as safe as human-driven vehicles. Consumers also value potential comfort gains, such as using travel time for other activities (50 percent of respondents), as well as greater mobility for themselves (40 percent) and for people with handicaps and older adults (65 percent).<\/p>\n\n\n\n

At the same time, concerns remain: 69 percent worry about system reliability in unexpected situations, and 72 percent view the technology as still \u201ctoo new and untested.\u201d Three in four respondents (64 percent) would feel comfortable in AVs only if they could take back control at any time.<\/p>\n\n\n\n

A European comparison shows that Italians have the highest level of confidence in the safety of autonomous vehicles (65 percent). Respondents in the United Kingdom are most critical (44 percent). Germans fall in the middle at 57 percent).<\/p>\n\n\n\n

\u201cWhat\u2019s clear that across Europe trust hinges less on perfection and more on proof. People not only want autonomous vehicles to match or exceed human safety, they want this backed by transparent data, strict oversight and clear accountability,\u201d said Dr. Klaus-Peter R\u00f6hler<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"

The promise of autonomous mobility is not just a technological leap \u2013 it represents a transformation in safety, comfort and accessibility that is already underway with Level 3 vehicles on European roads and Level 4 system which operate in real-world […]<\/p>\n","protected":false},"author":2,"featured_media":16569,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[54,24,1133,21],"tags":[],"_links":{"self":[{"href":"https:\/\/www.automotive-today.ro\/index.php\/wp-json\/wp\/v2\/posts\/16567"}],"collection":[{"href":"https:\/\/www.automotive-today.ro\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.automotive-today.ro\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.automotive-today.ro\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.automotive-today.ro\/index.php\/wp-json\/wp\/v2\/comments?post=16567"}],"version-history":[{"count":1,"href":"https:\/\/www.automotive-today.ro\/index.php\/wp-json\/wp\/v2\/posts\/16567\/revisions"}],"predecessor-version":[{"id":16570,"href":"https:\/\/www.automotive-today.ro\/index.php\/wp-json\/wp\/v2\/posts\/16567\/revisions\/16570"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.automotive-today.ro\/index.php\/wp-json\/wp\/v2\/media\/16569"}],"wp:attachment":[{"href":"https:\/\/www.automotive-today.ro\/index.php\/wp-json\/wp\/v2\/media?parent=16567"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.automotive-today.ro\/index.php\/wp-json\/wp\/v2\/categories?post=16567"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.automotive-today.ro\/index.php\/wp-json\/wp\/v2\/tags?post=16567"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}