Reflecting advanced driver assistance systems (ADAS) in underwriting

Swiss Re’s ADAS Risk Score is a vehicle risk-assessment model, built in strategic partnership with the BMW Group. The ADAS Risk Score assesses a vehicle’s safety-enhancing capabilities and assigns it a risk score that insurers can use as a basis for underwriting and portfolio management. The model uses manufacturer-reported safety specifications, data collected during real-world crash tests, computer simulations of various accident scenarios and claims portfolio analyses. The result is a safety score that is specific to a vehicle in all of its available ADAS configurations. The ADAS risk score is available by means of an online platform.


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