Singolare valutazione e previsione, diametralmente opposta a quella che mi aspetterei. Anche se diminuissero i piccoli incidenti, le richieste di risarcimento in caso di incidenti gravi procurati da sistemi di guida autonomi sarebbero molto elevate. Le considerazioni fatte sulle assicurazioni salute e sono invece agghiaccianti. <http://www.carandsuv.co.nz/news/car-insurance-industry-disappear-2030> Dr Michael Naylor, a senior lecturer in insurance at New Zealand’s Massey Business School, has undertaken a meta-analysis of how a range of technologies will change the industry in the coming decade. His report: ‘A Perfect Storm in Insurance: How to survive the looming waves of disruptive technology’ aims to help insurers prepare for a very different future. Naylor says the car insurance industry will probably be the first to sector to face major disruption. “Once networked, autonomous cars are widely available. It’s been predicted that car crashes will reduce by 80 to 90%. This development is not as far away as you might think – Volvo, for example has an aim of eliminating car crashes by 2020.” * *Naylor believes car theft will largely become a thing of the past as voice and face recognition technology will make them nearly impossible to steal, leaving insurance only for damage caused by things bumping into the car or extreme weather events. The result is car insurance premiums will fall drastically, probably by as much as 90% by 2030, says Naylor. He says that while many might view his report as speculation, there are plenty of examples of innovative insurers overseas who are using technology to change their business models. British insurer Drive Like A Girl monitors the drivers it insures via a telemetric device that sends real-time reports, including alerts of any crashes. The company is popular with young drivers who can prove they shouldn’t have to pay the high rates generally imposed on them. “New Zealand and Australian insurers are probably a few years behind those in the US and Europe, but they need to start grappling with these changes now. If they don’t, new disruptors will emerge to take their business from them,” he says. He explains that insurers need to change their view of their business as a provider of insurance products to being a data company with real-time links to customers, specialising in personal services. “Any organisation that is not a big data house now, or is unable to become one soon, is already a legacy company,” he says. Naylor’s vision of the future also has many implications for consumers. He predicts that in the future all insured objects will give constant, real-time feedback to the insurer’s data centre, and that includes people. “Wearable technology can provide minute-by-minute blood pressure readings and tell if your blood chemistry indicates an illness,” he says. “Through the connection of objects to the internet it will be possible for insurers to know how healthy the food in your fridge is or how often you exercise. Imagine how accurately they can then predict your health risk for insurance purposes.” If a person agrees to sharing information and they are healthy their insurance premiums would plummet but if they refuse they would be classed as high-risk, says Naylor. The full report covers key disruptors, telemetrics, big data, social media, automated underwriting, automated claims, robo advice, motor insurance, health and life insurance, and suggestions as to how insurers can restructure their businesses to survive.