That will be a challenge.
I will pick up from where I left off. We will be able to mandate information sharing from authorised self-driving entities to further expand this evidence base as the technology develops. Such issues may also be considered and reviewed as part of the general monitoring duty under Clause 38. For those reasons, I believe the amendment is unnecessary.
On Amendment 55A, tabled by my noble friend Lord Holmes of Richmond, he is right that swift and reliable access to vehicle data will be central to correctly apportioning liability—a point also raised by the noble Baroness, Lady Randerson. As our policy scoping notes set out, we intend to develop regulatory requirements covering data recording, retention and access, in line with the Law Commissions’ recommendations. Ensuring that those are appropriate and proportionate will require careful consultation and impact assessment. The approach proposed by the amendment is unlikely to allow for that and therefore will not adequately address the issue.
Amendment 55F calls for the Government to lay a Statement on who is responsible for insuring and maintaining authorised automated vehicles. The Road Traffic Act 1988 makes it an offence to use or permit the use of a vehicle without appropriate insurance or in a dangerous state. The offence therefore applies to the driver, and potentially to others who enable the use of the vehicle. Clause 49 is clear that the user-in-charge is to be considered a driver for all purposes other than those relating to how the vehicle behaves. The responsibility for roadworthiness and insurance therefore sits with the user-in-charge, just as it does with a conventional driver. Self-driving vehicles that do not require a user-in-charge must be overseen by a no-user-in-charge operator. These operators may own and oversee fleets of vehicles, meaning that they would be responsible for maintenance and insurance. Alternatively, they may simply offer an oversight and incident response service for privately owned vehicles. In this case, it is more appropriate that those responsibilities sit with the owner. Where the responsibilities sit will therefore depend on the business model, and that will be clarified by the Government as part of each operator’s licensing conditions as necessary.
Amendment 55H calls for a Statement on the information that will be published to support the underwriting of self-driving vehicle insurance. Under the Automated and Electric Vehicles Act, self-driving vehicles require policies where the insurer has first-instance liability when the vehicle is driving itself. The insurer is then able to recover against the person responsible, which may be the authorised self-driving entity, following an incident. The Government will establish a public register of self-driving vehicle authorisations, including a list of authorised self-driving entities. The Driver & Vehicle Licensing Agency vehicle registration database will then identify which vehicles have been authorised as self-driving. That will provide clarity about which vehicles require a self-driving insurance policy. While we feel that this information will be sufficient to ensure that vehicles are fit for underwriting purposes, we recognise that further data could support the more accurate pricing of risk. My officials have begun discussions with insurers about what could be needed,
and this dialogue will continue as the secondary legislation is developed. I trust that clarifies the position, and I hope the noble Lord, Lord Liddle, agrees that Amendments 55F and 55H are not needed.
With Amendments 38 and 52, the noble Lord looks to remove the need for the victim of an incident to prove that an automated vehicle was driving itself in order to make a claim for compensation. There is no such need to begin with. Where a conventional driver-operated vehicle is involved in a collision, the victim has a claim against the at-fault driver. In practice, either the victim or the driver will contact the relevant insurer for the vehicle, who will then investigate the claim to establish fault and issue compensation appropriately. This approach is long-established and set out in law. It generally works well, and it is not the function of the Bill to change it. The Automated and Electric Vehicles Act assigns the insurer first-instance liability in incidents caused by an automated vehicle that is driving itself. That means the victim is able to claim compensation from the relevant insurer whether there is an at-fault driver or whether the vehicle was in self-driving mode. A claim can be made in either case. The insurer can then determine whether that claim is covered by the conventional third-party insurance or the self-driving vehicle insurance. As I have set out, we will be setting authorisation requirements mandating certain forms of data logging. This information will help the processing of claims.
On Amendment 39, it would be inappropriate to apply a presumption of liability inconsistently across different road users. That could even encourage risk-taking behaviour and ultimately compromise road safety. I recognise the wider point that the noble Lord is making about the safety of other road users. In our earlier discussion about accessibility, I referred to some of the measures we will use to avoid specific groups being placed at a disadvantage by the introduction of self-driving vehicles. For example, we will look to include principles of equality and fairness in the statement of safety principles and will take steps to prevent data biases. These will also apply to vulnerable road users.
In conclusion, I respectfully ask the noble Lord to withdraw his amendment.