At Motor Assist, we’re always analysing the latest road safety trends so insurers can stay ahead of the curve and protect policy holders more effectively.
Recent data shows that rear-end shunts continue to dominate the UK accident landscape, accounting for a striking 29% of all collisions. This is an important signal for insurers to review risk profiles and claims processes, keeping a close eye on how these incidents impact premiums and customer support.
But there’s a fresh twist: as electric vehicles (EVs) become increasingly common, we’re seeing new patterns emerge in claims data. EVs are less likely to be involved in rear-end shunts but are experiencing a rise in single-vehicle incidents, often due to their rapid acceleration and quiet operation, which can sometimes catch drivers by surprise. This shift means insurers should consider adapting policies, training, and customer guidance to address these evolving risks.
We’re enhancing our support for EV claims, offering expert advice on everything from assessing new types of damage to understanding the nuances of EV technology like instant torque and regenerative braking. We also recommend that insurers encourage policyholders to familiarise themselves with their vehicles’ unique features, as proactive education can reduce claims frequency and severity.
The transition will affect all drivers, including new motorists and it is only right that we should start evolving driver training and tests to include electric vehicle (EV) nuances alongside internal combustion engine (ICE) vehicle knowledge. It will ensure that new drivers are prepared for the rapidly changing automotive landscape where EVs are becoming increasingly prevalent.
Now’s the time for insurers to invest in tailored risk assessments, updated underwriting strategies, and clear communication with customers about the realities of modern motoring, whether it’s in an EV or a traditional combustion vehicle.
By staying informed and responsive, insurers can minimise risk, improve service, and keep drivers safer on the road. Motor Assist is here to support you every step of the way as the road ahead continues to evolve.
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