The increasing integration of ADAS (driving aids) and partial autonomy features in VTCs reduces collisions – up to 30% fewer claims – but introduces new technical risks (calibration, cyberattacks) which force brokers to adapt guarantees and prices.
Tomorrow's VTCs will increasingly be equipped with advanced driver assistance systems (ADAS) : emergency braking, lane keeping, adaptive cruise control, night vision, etc. These technologies, coupled with partial autonomy features, promise safer and more comfortable journeys. For VTC brokers , this revolution is revolutionizing risk management : reduction of claims, recalibration after window replacement, cyber-risk coverage, and price changes. In this article, KT Courtage deciphers the impacts of the rise of ADAS on VTC insurance.
What is ADAS and Partial Autonomy?
ADAS groups together technologies designed to assist the driver (Level 1–2 autonomy):
- Automatic Emergency Braking (AEB)
- Lane Keeping Assist (LKA)
- Adaptive Cruise Control (ACC)
- Blind Spot Management
Partial autonomy allows the vehicle to handle certain tasks without human intervention, while keeping a driver ready to take over control.
Positive impacts on VTC risk
Decrease in claims
Studies show a reduction of approximately 30% in collisions with AEB activated. Fewer accidents directly translate into a more favorable premium for equipped VTC drivers.
Improved comfort and loyalty
Smoother and more secure journeys increase customer satisfaction , reduce complaints and disputes, and simplify claims management for the broker.
New risks to anticipate
Calibration and maintenance
After every windshield replacement or impact on the sensors, an ADAS recalibration is essential. Without this operation, the systems may malfunction, resulting in a warranty exclusion in the event of an accident.
Cyberattacks
ADAS and partial autonomy rely on connected software , exposing vehicles to intrusions or data attacks , which can disrupt operation or compromise passenger safety.
Adapt the VTC insurance offer
Differentiated pricing
Brokers can offer premium discounts for VTCs equipped with certified ADAS, while creating a cyber risk option to cover intrusions.
Warranty extensions
- Mandatory recalibration : supported via an “ADAS” option
- Cyber protection : compensation for restart costs and legal consequences
- Specialized 0 km assistance : specialized breakdown assistance for autonomous vehicles
Best practices for VTC brokers
- Evaluate the fleet : list vehicles according to their level of autonomy and ADAS equipment.
- Negotiate with insurers : obtain advantageous price lists for highly equipped VTCs.
- Train drivers : raise awareness of the use of ADAS and recalibration requirements.
- Integrate cyber risk : offer a dedicated guarantee to reassure operators.
Conclusion
The rise of ADAS and partial autonomy is profoundly transforming the VTC risk profile : fewer accidents, but new challenges in terms of calibration and cybersecurity. For brokers, this is an opportunity to reinvent VTC insurance in 2025: flexible offers, specialized options, and differentiated pricing.
KT Courtage supports you in developing innovative formulas, adapted to this new era of mobility.