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claims. Some insurers, including Aviva,
one of the largest UK motor insurers,
is adopting AI to help identify these
fraudulent claims. Aviva stated that
they identi昀椀ed 18,400 suspicious claims
in 2025 valued at £233m.
Fraudsters appear to be moving away
from staging collisions favouring
exaggerated repair costs and injuries.
shortages and access to repair
technical data.
Additional concerns relate to battery
reuse following damage claims and
evolving European discussions that
may affect vehicle end-of-life criteria
based on age, mileage or battery
degradation.
There is a problem with the 12-volt
systems of EV and Hybrid cars breaking
down within four years, which could
compromise safety. Examples include
Lexus LBX (29%), Hyundai Ioniq (27%),
Toyota Yaris Cross (19%). Full Hybrid
vehicles recorded 5.5% and Electric
vehicles 3.8%, compared with Diesel at
1.8% and Petrol at 1.4%.
SINGAPORE
Concerns are also being raised
regarding high EV depreciation rates,
which is increasing the likelihood of
total losses. Chinese vehicles were
identi昀椀ed as presenting additional
challenges because of spare parts
Initial support ran from 11 May 2023
to 28 February 2024 which included
recommendations and training
initiatives supporting accreditation
processes.
With the signi昀椀cant increase in
electric vehicles, IAEA members
of our Singapore branch (SCIAEA)
have actively supported the General
Insurance Association of Singapore
(GIA) through its Regulation and
Accreditation of Motor Surveyors
Workgroup.
The working group addressed training
requirements for automotive surveyors
as well as implications for mechanics,
technicians and dealers dealing with
EV technologies, battery-related claims
and vehicle damage assessments.
Additional factors identi昀椀ed included
the increasing complexity of vehicles,
ADAS systems, higher insurance claim
costs, insurer scrutiny and evidence
veri昀椀cation.
SCIAEA has also been invited to
support the Ministry of Manpower
(Singapore), Occupational Safety
and Health Division, in developing
guidelines for the safe management of
Lithium-Ion batteries.
SCIAEA expressed its willingness to
welcome FIEA members to Singapore
to exchange experience and expertise.
Alan Watling
The 2026 General Assembly and Technical Day takes place Thursday 17 and
Friday 18 September at Thatcham Research. The programme for the day includes:
SELF-DRIVING VEHICLES
Are self-driving vehicles 昀椀nally here? How does a
self-driving car change the traditional insurance risk
model? This session will explore when and if self-driving
cars are a reality here in the UK, how the insurance
industry is supporting the development of regulations,
and when will you be able to kick back and sleep on
your commute to work.
MEGA-CASTING: WHEN ONE PART REPLACES
ONE HUNDRED
Mega-castings are transforming modern vehicle design,
replacing up to a hundred individual components with a
single, highly integrated structural part. But when these
structures are damaged, what are the implications for
repair? This session explores manufacturer adoption
trends, real-world damage performance, and repair
feasibility, including the skills, equipment, and repair
strategies required to achieve successful outcomes.
Join us as we investigate the insurance and repair
industry’s latest challenge: just because it can be cast in
one piece, does it have to be replaced in one piece?
INSURABILITY BLUEPRINT FOR ELECTRIFIED
VEHICLES
Electri昀椀cation is accelerating fast, but insurability is
not keeping pace. The biggest barrier is moving from
adoption to Total Cost Of Ownership, for insurance it’s
what happens after an incident: how we assess, repair,
and economically return these vehicles to the road.
Our Insurability Blueprint sets out a clear industry
pathway, built on safety, sustainability, and affordability.
Unless we shift to insurability by design, enable
accessible diagnostics, and unlock a true battery
circular economy, we risk higher costs, more total
losses, and declining consumer con昀椀dence.
This isn’t just a technical challenge, it’s critical to making
Electri昀椀cation viable at scale.
VEHICLE RISK RATING (VRR) – HOW CHANGES
TO VEHICLE TECHNOLOGY NECESSITATE
DYNAMIC VEHICLE RISK
Vehicles are dynamic. How the vehicle leaves the
factory is not necessarily how the vehicle is now
thanks to vehicle updates, and an increasingly volatile
aftersales arena thanks to both global and local events.
A static measure of risk is therefore not 昀椀t for purpose.
Vehicle Risk Rating introduces a dynamic risk scoring
system which provides clarity and insight into this
changing dynamic of vehicle to enable insurers to price
and underwrite effectively and accurately, bene昀椀tting
consumers and driving change in the automotive
industry.
They will also be adding a 昀椀fth discussion point
to include: The future of vehicle technology, Adas
technology are we moving to a self-calibration journey
due to the rising cost on safety items, the Chinese
market, repairability, parts and methodology.
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