Automated Vehicles Bill [HL]

Baroness Randerson Excerpts

Committee stage
Monday 15th January 2024 Lords Chamber

[Lord Liddle (Lab)]

My Lords, from a discussion of the critical world situation, we move to discuss insurance questions under automated vehicles—such is the breadth of the House of Lords.

In moving Amendment 38 and speaking to the other amendments in this group, we on this side of the House are not pretending that we are insurance experts. We are not, but we do think it is a very striking omission from the Bill that there appears to be no reference to insurance, at least in any detailed way. I think this is puzzling. There are already arguments from the Association of Personal Injury Lawyers that the advent of automated features in driving cars has led to insurance uncertainties, the obvious example being that if one puts one’s car on cruise control on the assumption that it has an automatic braking system and the automatic braking system does not work, who is liable? Is it still the driver, or the people who manufactured the system, or the motor manufacturer who installed it? I think these questions will multiply as we move towards a world of automated vehicles.

This was brought home to me when the Minister kindly wrote to us—I am not sure I have the piece of paper here—about the time that you are allowed when you are given a warning that you have to take control of the vehicle. The department has not made up its mind. It wants to try to work out how this might vary in different circumstances; that is what I understand the department’s position to be.

This strikes me as highlighting what I think will become a significant issue: if an accident occurs in this period, where you are given a warning and you have to do something to control the car, there will be tremendous disputes about who was actually in charge and liable at the time. This at least has to be addressed. If it is not addressed in the content of the Bill, we have to know that the department has a solution to this issue.

That, in summary, is what the amendments I have put down are about. I am not sure that they are technically in order, and I doubt very much whether they would be in the final version of the Bill, but we are asking the Government here to take away this issue, think about it and come up with something when the Bill comes back to us on Report. With that, I move the amendment in my name.

[Baroness Randerson (LD)]

My Lords, I added my name to one of the amendments from the noble Lord, Lord Liddle, because I was struck by the briefing that we received from the Association of Personal Injury Lawyers, to which the noble Lord has just referred. Other people who have been in correspondence with us have highlighted the fact that non-motorised road users, such as cyclists and pedestrians—one can think of many others; horse riders, for example—are already physically the most vulnerable on any road. Their vulnerability will be compounded in future by their legal disadvantage in relation to insurance unless this Bill is very clear.

This is not like a vehicle-to-vehicle accident. If my vehicle hits your vehicle, in normal circumstances we will be insured. The situation is dealt with by lawyers acting for insurance companies, which operate via clear rules. Because of the information they hold, automated vehicles should make things clearer. They will have recorded the information showing exactly what has happened; we will no longer rely on individual drivers’ responses.

However, when a vehicle hits a pedestrian, that pedestrian would not normally be insured as a pedestrian and would undoubtedly be unaware of their legal situation and, in most circumstances, of their legal rights. They could be in a position where they are too young or too badly injured, for instance, to be able to take the appropriate action at the time. So it is very important that this Bill is absolutely clear about the situation.

The Association of Personal Injury Lawyers raised the specific issue of Section 2 of the 2018 Act, which allows people who are injured by an automated vehicle when it is driving itself to make a claim against the driver’s insurance. This provision is now included here. If the Bill is passed, this section will apply to automated vehicles if they are travelling while an authorised automation feature of the vehicle is engaged.