Welcome to Tesla Motors Club
Discuss Tesla's Model S, Model 3, Model X, Model Y, Cybertruck, Roadster and More.
Register

Would broad FSD beta affect insurance premium?

PhantomX

Member
Sep 29, 2016
446
390
Irvine
Does anyone think insurance companies will take potential FSD Beta risks into consideration once it's available for more people to test? I wonder if Tesla can offer a special discounted Tesla Insurance rate for people beta testing FSD, since it is effectively free beta testing that Tesla would otherwise need to pay for test drivers to perform. What do you think?
 

dipper

Member
Nov 4, 2017
234
134
92129
Interesting subject.

If I am the insurance company and now aware of FSD testing on the road, would I NOT take on the liability for this car with FSD activated as part of the question? After all, Tesla should be liable for software test failure on public roads.

So the insurance company, if I run it, will not even insure the client with that FSD "test" car.
 
Upvote 0

Dan D.

Member
Dec 7, 2020
352
303
Vancouver, BC
Does anyone think insurance companies will take potential FSD Beta risks into consideration once it's available for more people to test? I wonder if Tesla can offer a special discounted Tesla Insurance rate for people beta testing FSD, since it is effectively free beta testing that Tesla would otherwise need to pay for test drivers to perform. What do you think?
I looked at my policy and found this exclusion.

-Policy does not apply for a vehicle being operated by remote control without a driver
So that would be Smart Summon = no coverage. Assuming "driver" is supposed to be in the car.

-Nothing specific about test driving autonomous technology unless the driver is convicted of a criminal code offense. So long as the driver doesn't break any criminal laws then. I'm not sure if driving with no hands, entering navigation information while driving, using electronic devices while driving, committing multiple moving violations (such as 10 minutes with AI Driver) etc. qualify as breaking criminal laws.

Probably the insurance exclusions will be updated at some point.
 
Upvote 0

gearchruncher

Active Member
Sep 20, 2016
1,131
1,401
Seattle, WA
-Policy does not apply for a vehicle being operated by remote control without a driver
So that would be Smart Summon = no coverage. Assuming "driver" is supposed to be in the car.
That just sounds like Canadian socialism. Down here in the USA we have the freedom to do what we want and no insurance company can deny us, nor refuse to pay for what couldn't have been my fault since I wasn't even in the car. :)
 
Upvote 0

About Us

Formed in 2006, Tesla Motors Club (TMC) was the first independent online Tesla community. Today it remains the largest and most dynamic community of Tesla enthusiasts. Learn more.

Do you value your experience at TMC? Consider becoming a Supporting Member of Tesla Motors Club. As a thank you for your contribution, you'll get nearly no ads in the Community and Groups sections. Additional perks are available depending on the level of contribution. Please visit the Account Upgrades page for more details.


SUPPORT TMC
Top