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What will driverless cars do to trade insurance regulations?

What will driverless cars do to trade insurance regulations?

Will insurance premiums decrease with driverless cars being the norm? Is it too early to ask? Autopilot. Planes have had the technology for decades, mainly because there is nothing to obstruct a plane at 35,000 feet but other planes which are carefully navigated by humans in airport control centres. Cars on the other hand have firstly the road to contend with, the ability to read road markings, pay attention to traffic lights and then there's the problem of humans, pesky two legged creatures that run in front of moving vehicles, walk along pavements and have the audacity not to keep up with technology and have cars that they drive themselves - don't they know that's dangerous!?!

Driverless Cars And The Law

Unbeknown to a lot of people autonomous cars have been on our roads, well mainly in America, driving themselves for a few years now. People have died. Can anyone understand who can drive who cannot drive with the rules and regulations and minimum requirements for motor trade insurance relating to uninsured cars. Precedents have already been set. Take for instance the Tesla car driver who switched on Autopilot, drove under a truck and hurtled off the side of the road. Was technology to blame or the driver? Courts found that it was human error because the driver should have seen the truck and had seven seconds to react. Seven seconds. This tech is at an early stage, humans should not be so self reliant on a system and should understand they have to be aware all the time. Another incident where a person walked in front of another driverless car was proved to be human error, this time the fault of the human who walked in front of the car.

As of now, no car or Tesla big rig can be on British or American highways without first gaining permission for routes or without having a human driver present to react, even if the trucks or cars are in convoy. This is a testing period which if we go by American law, will take ten years initially. That said, it is legal to purchase a semi Autonomous Tesla car or whichever manufacturer comes next and press AutoPilot so insurance policies are changing to reflect this new development. They have to.

The UK government via a variety of Bills in the House of Commons have progressed to a point where they have agreed that courts should deliberate in the aftermath of an accident or fault, that insurance companies are to pay out in the event their party is at fault. Which party is that? Car companies can be directly to blame for an accident as it is, in the main, their software and programming that is assuming responsibility for driver, its own tech reporting and maintenance and that of everyone else and everything else around that machine. While in the two incidents mentioned human error was to blame, manufacturers will certainly bear the brunt of financial compensation on a much larger scale in the medium to long term.

What Does Driverless Car Insurance Cover?

Humans live in an age where nothing truly spectacular has occurred for a few decades. Computers were an incredible concept that stopped Hitler, saw man walk on the moon but little else for fifty years, the internet also a forty year old invention so it's about time computers were more relied upon to make human life easier. After all if traffic lights can be automated, why not cars? At the same time it is humans that are a cause of concern with autonomous driving technology.

Which is why any new driverless car insurance has to include advanced legal speak to cover the inherent dangers that humans pose to autonomous technology. Humans, it appears, are the enemy. While you will still be able to attain third party, fire and theft and comprehensive insurance in the normal manner, deep rooted technical faults within software are set to be the new version of parts replacement, while mechanical parts will still need repair it's mostly lines of computer code that will be argued about in court, alongside that of human error.

What Aspects Will Be Included In Driverless Car Insurance?

Hacks or attempted hacks that cause a car to be destroyed or damaged due to inefficiencies in the software and operating system. Not even Microsoft can be sued for Malware. Cover for failed updates and patches sent by a manufacturer that fail to complete or install correctly that leaves your car without firewall and insecure, without correct mapping and navigation systems and pays out within 24 hours or offers a replacement vehicle until fixed. Any sat nav system in the car reliant on satellite configuration and is disabled by interference of manufacturer breakdown.

Cover against any failing of software or authorised in-car software supplied by the manufacturer.

Pertaining to manual override, claims to arise from inability to control a vehicle manually after computer or software breakdown where a human cannot control the vehicle when required to avoid loss or damage to the vehicle.

How Can Car Insurance Premiums Decrease and what will be the new rules and regulations for motor trade insurance?

Humans like to believe that robotics can ensure lower costs, though the truth is far from reality. Yes there will be cost savings. It has already been proven that AutoPilot on Tesla cars have reduced accidents. This means an insurer would have less money to pay out and premiums should fall. However as tech evolves and will be cutting edge, there will be an expense for parts replacement, and labour costs may be much higher due to the level of expertise and knowledge required by mechanics to fix problems. Even though this may be completed remotely by plugging into the internet or by satellite update, rather than visiting your local motor garage.

It has been calculated that hundreds of billions of pounds can be saved, but this figure could be halved as the expense of costly parts replacement, labour and large vehicle recalls could still be a foreseeable costs. With this in mind who can drive , can anyone drive with these rules and regulations in place and understanding and explaining the minimum requirements is a problem. One line of code that incorrectly causes an accident rather than prevents would be an enormous task to resolve. It is conceivable that autonomous car insurance premiums could be less or that human driver car insurance could become more expensive in comparison as more driverless car insurance is taken out in the coming decades

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Motor Trade Insurance Services

Motor Trade Insurance

Motor Trade Insurance

Finding the right cheap motor trade insurance policy can take considerable effort but we can help part time and full time car sellers and combine the best deal and the right support, first time every time. We offer free quotes for discount  motor traders insurance online with no deposit,
and have some providers that can include under 25s. How are you going to locate the most practical answer and advice in the shortest period and talk to an expert? Why should you settle for a high price when there are good traders insurance deals around. Can you find a better solution and see what is new  ventures get in the trade market?

Accessing the correct experience and knowledge is very important and we invite you to see what solutions we can offer. Time and time again we help motortraders save money and save time and get happy customers recommending us to others.
So that you can get on running your car trade business in a successful way. What better way than speaking to us for the cheapest traders cover in the sector. We can combine a trade policy and include staff and buildings cover in one. We also  enable you to have any driver included within all facets of the policy.

What car traders say about us is truly amazing as the saving can be so large . In conclusion we aim to assist motortrade business owners seek and find the most suitable and honest deal that they really need and can back this up with excellent customer service.

What about new ventures and new set up I may here you say, well these can all be covered to and we have considerable expertise to zoning in on the correct cover and we are pioneers of helping operations getting going and including additional business use with the car sellers policy.  (read more)

To obtain a low cost quote please call 0161 5434552

Road Risk Insurance

Road Risk Insurance

Evans & Lewis Insurance specialise in providing Road Risk Insurance for Motor Trade business’ and business’ that sell vehicles.  In recent times there has been a contraction in the Insurance market within this sector.  There are now fewer Insurers to provide these types of policies.  We  have an experienced team providing competitive quotes for Road Risk and also provide cheap combined Motor Trade Insurance.  We offer a range of payment options that can assist individuals to spread their payments over a variety of terms.

So whether you are looking for a Road Risk policy or Motor Trade Insurance with premises cover, it is extremely important to talk to a specialist in the Market like Evans & Lewis.  It will take a short time to go through your insurance requirements and we provide quotes for Motor Trade Insurance combined with Buildings and also Employers Liability and Public Liability. 

We  can offer a range of different levels of cover.  From third party only, third party Fire & Theft or fully comprehensive.  We also provide excess options from £250 - £1000.  There are also specialist policies which cover vehicles in transit, vehicles left at business premises and it is also possible to protect your no claims bonus.  (Road Risk Insurance)

To get a competitive  Motor Trade Insurance Quote
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Combined Motor Trade Insurance

Combined Motor Trade Insurance

When running  a motor trade business is very important to have the correct insurance policy in place to cover  all eventualities that can arise during the year. If you are employing staff and own a premises then the best cover is a combined motor trade insurance policy that will enable to put all the facets of your company under one roof. The main constituents of the policy are the road risk, employers liability, the public liability and the buildings cover. It is also greatly under estimated the importance of cover that provides revenue for you in the event of fire or flood or any other circumstance that may occur to your business activities.

In order to obtain the best costing it can be advisable to increase the excess as this can assist in lowering the motor trade insurance quote. Once you have identified all the attributes that you require with the policy it is best to speak to several firms who have significant experience and a dynamic approach to the service. Always choose a broker who has a reputable claims handling line because this is in essence what you are paying for.   (Combined Motor Trade Insurance)

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Motor Fleet Insurance

Cheap Motor Trade Insurance

How To Get Cheap Motor Trade Insurance Premiums Through Knowledge Knowing how to get cheap motor trade insurance premiums for your motor trade business can require some brainstorming.

Most operatives in the motor trade are clued up business men in the middle of a daily vehicular business and the last person they wish to deal with is a broker who doesn't know their trade. You know the ins and outs and wish to deal with an insurer which is straight and shows common sense. Understanding the needs of the individual business, premises, vehicles, liabilities, indemnities and drivers to be insured.

Our clients offer advice about cars as a dealership or making essential body and engine repairs as a mechanical repairer whose coverage needs to be the right level to offer customers guarantees on the work carried out. There are also car park owners who are tasked with the safety and security of thousands of cars on a weekly basis, entrusting Evans and Lewis with their livelihoods and insurance coverage. A vast swathe operate in vehicle recovery as a breakdown service or offer garage repairs as mechanics. Their customers expect the highest level of service and so should you. (Cheap Motor Trade Insurance)

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Please call us now on 0161 5434552

Under 25 Motor Insurance

Under 25 Motor Insurance

Motor trade insurance for the under 25’s has significantly contracted in recent years and there are now only 2 or 3 insurers in the market place who will cater for this type of risk.  Often enough the insurers will request a business plan that provide projecting financial forecasts.  If an individual is looking for a combined  motor trade insurance with premises, then again, a similar format would apply.  The insurers are increasingly wary of individuals who take out this type of policy but are not working within the motor trade.
We have an in depth and broad understanding of the motor trade insurance market and we have gained experience over the years to ensure we can deliver  low cost solutions to suit your business.  When starting off in the motor trade it is of paramount importance to contain all overheads that will enable the business to grow, rather than being lumbered with large costs.
The motor trade insurance that we provide is for vehicle sales, servicing and repair, windscreen fitters, valeters and tyre fitters.  So whatever trade you work in within the motor trade sector, we are confident of finding you the best insurance deal.  As we have worked with our insurers for numerous years, we can negotiate on your behalf to find a motor trade insurance with buildings  solution that is bespoke to each business.  

(Under 25 Motor Trade Insurance)

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8 Frequently Asked Motor Trade Questions

Where Do I Find a Traders Insurance Online Quote?

Who Does The Lowest Trade Insurance Cover Price?

What is a Car Road Risk Insurance Policy?

Who Has Discount Trade Insurance Offers?

Why Have A Car Traders Insurance Policy?

How Much Does Trade Insurance Cost?

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