This work presents a novel platform for autonomous vehicle technologies research for the insurance sector. The platform has been collaboratively developed by the insurance company MAPFRE-CESVIMAP, Universidad Carlos III de Madrid and INSIA of the Universidad Politécnica de Madrid. The high-level architecture and several autonomous vehicle technologies developed using the framework of this collaboration are introduced and described in this work. Computer vision technologies for environment perception, V2X communication capabilities, enhanced localization, human–machine interaction and self awareness are among the technologies which have been developed and tested. Some use cases that validate the technologies presented in the platform are also presented; these use cases include public demonstrations, tests of the technologies and international competitions for self-driving technologies.

Autonomous vehicles in logistics and industrial environments demand robust and efficient perception systems. This study presents a LiDAR-based perception system designed for such environments, focusing on real-time deterministic obstacle detection and tracking with limited computational power. The proposed multi-stage approach leverages 3D data from LiDAR sensors. First, ground removal is performed to filter out static ground points. Then, a filtering step is applied using precomputed maps of the navigation area to filter out static zones from the LiDAR point clouds. After, object segmentation distinguishes structural elements from potential obstacles, followed by clustering and Principal Component Analysis (PCA) to accurately estimate obstacle pose and volume. An obstacle-tracking method ensures continuous monitoring over time. Extensive experiments in realistic logistics and industrial scenarios have been performed, comparing the proposed approach to state-of-the-art deep-learning-based methods, demonstrating the system’s high performance in both accuracy and efficiency.

This article delves into the acceptance of autonomous driving within society and its implications for the automotive insurance sector. The research encompasses two different studies conducted with meticulous analysis. The first study involves over 600 participants involved with the automotive industry who have not yet had the opportunity to experience autonomous driving technology. It primarily centers on the adaptation of insurance products to align with the imminent implementation of this technology. The second study is directed at individuals who have had the opportunity to test an autonomous driving platform first-hand. Specifically, it examines users’ experiences after conducting test drives on public roads using an autonomous research platform jointly developed by MAPFRE, Universidad Carlos III de Madrid, and Universidad Politécnica de Madrid. The study conducted demonstrates that the user acceptance of autonomous driving technology significantly increases after firsthand experience with a real autonomous car. This finding underscores the importance of bringing autonomous driving technology closer to end-users in order to improve societal perception. Furthermore, the results provide valuable insights for industry stakeholders seeking to navigate the market as autonomous driving technology slowly becomes an integral part of commercial vehicles. The findings reveal that a substantial majority (96% of the surveyed individuals) believe that autonomous vehicles will still require insurance. Additionally, 90% of respondents express the opinion that policies for autonomous vehicles should be as affordable or even cheaper than those for traditional vehicles. This suggests that people may not be fully aware of the significant costs associated with the systems enabling autonomous driving when considering their insurance needs, which puts the spotlight back on the importance of bringing this technology closer to the general public.