AUTHORISATION

SECTION I
FUNDAMENTALS OF THE UBI MARKET
large number of speed cameras and set up driving licence points systems. Both
are potent factors on the reduction of the average road speed.
Since the year 2000, the average number of accidents and injured people in car
accidents has never stopped decreasing. By 2013, the number of accidents in
Europe had decreased by 27.9% and the number of injuries has decreased by
28.6%, as shown in the chart below. In the same timeframe, the number of
fatalities from car accidents decreased by 54.5%.
Licence
Fig 1.21: Number of road accidents and injured in Europe (in thousands)
2,000
1,800
1,600
1,400
1,200
1,000
800
600
400
200
Accidents
Injured
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0
1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013
Source: European Commission (Directorate General Energy and Transport)
In 2014, the average road fatality rate in Europe was 51 deaths per million
inhabitants. The four lower countries (including the UK) have rates below 30. East
European countries including Poland have rate above 80.
On the whole, between 2010 and 2014, the number of road fatalities in Europe
has decreased by 18%. In some countries such as Spain and Greece where
average mileage decreased brutally due to the economic slump, the decrease was
even sharper at almost 30%.
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In terms of claim costs, the variations can be attributed to 3 main factors; repair
costs, personal injuries costs and fraud.
parties is prohibited
We describe each of these thereafter.
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