Back to basics - What is really driving motor risk today?
KeynoteClaims Club Briefing 2Underwriting Club Briefing 2
2026-06-10 | 09:15 AM - 09:45 AM
Information
Motor risk is increasingly being shaped not just by how vehicles perform on the road, but by how they are repaired, managed and costed after an incident. While advances in safety systems have contributed to lower frequency in some areas, claims experience is being driven by rising repair complexity, longer cycle times and increasing reliance on specialist parts, skills and calibration. From ADAS and sensor recalibration through to EV-specific repair requirements, the fundamentals of motor risk are shifting in ways that are not always fully reflected in pricing, underwriting assumptions or customer expectations.
This session will provide a grounded, practical view of how vehicle design, repairability and claims outcomes are evolving and what this means for both underwriting performance and operational delivery.
- How are modern vehicle design and safety systems changing not just frequency, but the severity and lifecycle of claims?
- Why is repairability now a primary driver of claims cost?
- Where are the biggest disconnects between underwriting assumptions and real-world claims outcomes?
- How are delays, supply chain pressures and hire costs influencing total loss decisions and customer experience?
- What role does industry-wide data and collaboration play in improving risk understanding across underwriting and claims?
Speakers
Ben Townsend
Thatcham Research
Head of automotive