Motor insurance costs could halve by 2020 if driverless cars take over British roads. You don’t have to be an insurance expert to assume that, because the hi-tech vehicles could effectively eliminate bad driving, the cause of 90% of road traffic accidents, there would be a hefty knock-on effect on insurance premiums. Human error is to blame for almost all motor insurance claims. For example, 71% of claims are the result of a vehicle reversing badly and 23% are generated by parking incidents. But if a computer controls the car, there is no possibility of human error. The software doesn’t get tired, drunk or make mistakes.