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The chaotic middle | The autonomous vehicle and disruption in automobile insurance

The chaotic middle

The core business models for traditional automobile insurance carriers may be under threat of obsolescence, with automobile manufacturers potentially becoming a potent alternative to cover driving risk.


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Since our initial white paper in October 2015, Marketplace of change: automobile insurance in the era of autonomous vehicles, we now believe that the traditional personal automobile insurance marketplace has the potential to be even more severely disrupted by new competition and shifts to other types of insurance coverage. The move to new business models will not be smooth and we anticipate a “chaotic middle” of a decade or more as companies adjust their strategies and operations.

Our new study synthesizes our latest research and thinking and covers four underlying themes:

  • Alignment for mass autonomy: Acceleration of the pace of change
  • The triad of disruptors for auto insurance
  • Perfect storm: Modeling the potential impact
  • Chaotic middle: Dual challenge facing insurers

For more insight into the ever evolving autonomous vehicle phenomena, download the following:

This article is part of the Insurance Newsletter March 2018

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© 2021 KPMG Advisory, a Belgian civil CVBA/SCRL and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative ("KPMG International"), a Swiss entity. All rights reserved.

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