1、Driver today,passenger nextAssessing the different insurance risks to prepare for a hands-off future Swiss Re Driver today,passenger next 3Foreword 4Our view of motor risk 6Moving away from traditional risk models 7The role of telematics 9Vehicle risk 10Our approach to vehicle risk 10The Swiss Re AD

2、AS Risk Score 11The Swiss Re EV Risk Score 15A holistic view on driver,vehicle and contextual risk 16From new risk models to new business models 18From driver to passenger:how autonomous vehicles will impact the risk landscape 19Concluding remarks 22 4 Swiss Re Driver today,passenger nextDear Reader

3、,There are several developments that continue to impact the automotive industry to a significant extent.Among these factors are the push by governments towards vehicles powered by new energies,the COVID-19 pandemic with its subsequent economic fallout such as chip and raw material shortages war,soci

4、o-demographic changes,and technological advancements.In turn,insurers are faced with numerous changes to their motor business.Swiss Res research1 indicates that:Global motor premiums are expected to double to almost USD 1.4 trillion by 2040.Even if growing,the motor segment is expected to represent

5、a smaller portion of the total risk pool,shrinking from 42%currently to 32%of global sector premiums by 2040.This development is attributable to two factors:firstly,to the fact that property business is growing fastest,driven by climate risks;and,secondly,to the growth of other P&C lines driven by e

6、conomic development cases in point are accidents and specialty lines such as marine,aviation,credit&surety.1 https:/ https:/ Emerging markets are expected to become more relevant;the share of motor premiums coming from these areas is expected to rise from 26%in 2020 to 46%in 2040.There is an expecta