Are electric vehicles riskier? A comparative study of driving behaviour and insurance claims for internal combustion engine, hybrid and electric vehicles

Electric vehicles (EVs) differ significantly from their internal combustion engine (ICE) counterparts, with reduced mechanical parts, Lithium-ion batteries and differences in pedal and transmission control. These differences in vehicle operation, coupled with the proliferation of EVs on our roads, w...

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Detalles Bibliográficos
Autores: McDonnell, Kevin, Sheehan, Barry, Murphy, Finbarr, Guillén, Montserrat
Tipo de recurso: artículo
Estado:Versión aceptada para publicación
Fecha de publicación:2024
País:España
Institución:Varias* (Consorci de Biblioteques Universitáries de Catalunya, Centre de Serveis Científics i Acadèmics de Catalunya)
Repositorio:Recercat. Dipósit de la Recerca de Catalunya
OAI Identifier:oai:recercat.cat:2445/219054
Acceso en línea:https://hdl.handle.net/2445/219054
Access Level:acceso abierto
Palabra clave:Seguretat viària
Conductivitat elèctrica
Risc (Assegurances)
Traffic safety
Electric conductivity
Risk (Insurance)
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spelling Are electric vehicles riskier? A comparative study of driving behaviour and insurance claims for internal combustion engine, hybrid and electric vehiclesMcDonnell, KevinSheehan, BarryMurphy, FinbarrGuillén, MontserratSeguretat viàriaConductivitat elèctricaRisc (Assegurances)Traffic safetyElectric conductivityRisk (Insurance)Electric vehicles (EVs) differ significantly from their internal combustion engine (ICE) counterparts, with reduced mechanical parts, Lithium-ion batteries and differences in pedal and transmission control. These differences in vehicle operation, coupled with the proliferation of EVs on our roads, warrant an in-depth investigation into the divergent risk profiles and driving behaviour of EVs, Hybrids (HYB) and ICEs. In this unique study, we analyze a novel telematics dataset of 14,642 vehicles in the Netherlands accompanied by accident claims data. We train a Logistic Regression model to predict the occurrence of driver at-fault claims, where an at-fault claim refers to First and Third Party damages where the driver was at fault. Our results reveal that EV drivers are more exposed to incurring at-fault claims than ICE drivers despite their lower average mileage. Additionally, we investigate the financial implications of these increased at-fault claims likelihoods and have found that EVs experience a 6.7% increase in significant first-party damage costs compared to ICE. When analyzing driver behaviour, we found that EVs and HYBs record fewer harsh acceleration, braking, cornering and speeding events than ICE. However, these reduced harsh events do not translate to reducing claims frequency for EVs. This research finds evidence of a higher frequency of accidents caused by Electric Vehicles. This burden should be considered explicitly by regulators, manufacturers, businesses and the general public when evaluating the cost of transitioning to alternative fuel vehicles.Elsevier2025202520242025info:eu-repo/semantics/articleinfo:eu-repo/semantics/acceptedVersion10 p.application/pdfhttps://hdl.handle.net/2445/219054Articles publicats en revistes (Econometria, Estadística i Economia Aplicada)reponame:Recercat. Dipósit de la Recerca de Catalunyainstname:Varias* (Consorci de Biblioteques Universitáries de Catalunya, Centre de Serveis Científics i Acadèmics de Catalunya)InglésReproducció del document publicat a: https://doi.org/10.1016/j.aap.2024.107761Accident Analysis and Prevention, 2024, vol. 207, núm. 107761, p. 1-10https://doi.org/10.1016/j.aap.2024.107761cc-by-nc-nd (c) Elsevier, 2024http://creativecommons.org/licenses/by/3.0/es/info:eu-repo/semantics/openAccessoai:recercat.cat:2445/2190542026-05-29T05:05:01Z
dc.title.none.fl_str_mv Are electric vehicles riskier? A comparative study of driving behaviour and insurance claims for internal combustion engine, hybrid and electric vehicles
title Are electric vehicles riskier? A comparative study of driving behaviour and insurance claims for internal combustion engine, hybrid and electric vehicles
spellingShingle Are electric vehicles riskier? A comparative study of driving behaviour and insurance claims for internal combustion engine, hybrid and electric vehicles
McDonnell, Kevin
Seguretat viària
Conductivitat elèctrica
Risc (Assegurances)
Traffic safety
Electric conductivity
Risk (Insurance)
title_short Are electric vehicles riskier? A comparative study of driving behaviour and insurance claims for internal combustion engine, hybrid and electric vehicles
title_full Are electric vehicles riskier? A comparative study of driving behaviour and insurance claims for internal combustion engine, hybrid and electric vehicles
title_fullStr Are electric vehicles riskier? A comparative study of driving behaviour and insurance claims for internal combustion engine, hybrid and electric vehicles
title_full_unstemmed Are electric vehicles riskier? A comparative study of driving behaviour and insurance claims for internal combustion engine, hybrid and electric vehicles
title_sort Are electric vehicles riskier? A comparative study of driving behaviour and insurance claims for internal combustion engine, hybrid and electric vehicles
dc.creator.none.fl_str_mv McDonnell, Kevin
Sheehan, Barry
Murphy, Finbarr
Guillén, Montserrat
author McDonnell, Kevin
author_facet McDonnell, Kevin
Sheehan, Barry
Murphy, Finbarr
Guillén, Montserrat
author_role author
author2 Sheehan, Barry
Murphy, Finbarr
Guillén, Montserrat
author2_role author
author
author
dc.subject.none.fl_str_mv Seguretat viària
Conductivitat elèctrica
Risc (Assegurances)
Traffic safety
Electric conductivity
Risk (Insurance)
topic Seguretat viària
Conductivitat elèctrica
Risc (Assegurances)
Traffic safety
Electric conductivity
Risk (Insurance)
description Electric vehicles (EVs) differ significantly from their internal combustion engine (ICE) counterparts, with reduced mechanical parts, Lithium-ion batteries and differences in pedal and transmission control. These differences in vehicle operation, coupled with the proliferation of EVs on our roads, warrant an in-depth investigation into the divergent risk profiles and driving behaviour of EVs, Hybrids (HYB) and ICEs. In this unique study, we analyze a novel telematics dataset of 14,642 vehicles in the Netherlands accompanied by accident claims data. We train a Logistic Regression model to predict the occurrence of driver at-fault claims, where an at-fault claim refers to First and Third Party damages where the driver was at fault. Our results reveal that EV drivers are more exposed to incurring at-fault claims than ICE drivers despite their lower average mileage. Additionally, we investigate the financial implications of these increased at-fault claims likelihoods and have found that EVs experience a 6.7% increase in significant first-party damage costs compared to ICE. When analyzing driver behaviour, we found that EVs and HYBs record fewer harsh acceleration, braking, cornering and speeding events than ICE. However, these reduced harsh events do not translate to reducing claims frequency for EVs. This research finds evidence of a higher frequency of accidents caused by Electric Vehicles. This burden should be considered explicitly by regulators, manufacturers, businesses and the general public when evaluating the cost of transitioning to alternative fuel vehicles.
publishDate 2024
dc.date.none.fl_str_mv 2024
2025
2025
2025
dc.type.none.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/acceptedVersion
format article
status_str acceptedVersion
dc.identifier.none.fl_str_mv https://hdl.handle.net/2445/219054
url https://hdl.handle.net/2445/219054
dc.language.none.fl_str_mv Inglés
language_invalid_str_mv Inglés
dc.relation.none.fl_str_mv Reproducció del document publicat a: https://doi.org/10.1016/j.aap.2024.107761
Accident Analysis and Prevention, 2024, vol. 207, núm. 107761, p. 1-10
https://doi.org/10.1016/j.aap.2024.107761
dc.rights.none.fl_str_mv cc-by-nc-nd (c) Elsevier, 2024
http://creativecommons.org/licenses/by/3.0/es/
info:eu-repo/semantics/openAccess
rights_invalid_str_mv cc-by-nc-nd (c) Elsevier, 2024
http://creativecommons.org/licenses/by/3.0/es/
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv 10 p.
application/pdf
dc.publisher.none.fl_str_mv Elsevier
publisher.none.fl_str_mv Elsevier
dc.source.none.fl_str_mv Articles publicats en revistes (Econometria, Estadística i Economia Aplicada)
reponame:Recercat. Dipósit de la Recerca de Catalunya
instname:Varias* (Consorci de Biblioteques Universitáries de Catalunya, Centre de Serveis Científics i Acadèmics de Catalunya)
instname_str Varias* (Consorci de Biblioteques Universitáries de Catalunya, Centre de Serveis Científics i Acadèmics de Catalunya)
reponame_str Recercat. Dipósit de la Recerca de Catalunya
collection Recercat. Dipósit de la Recerca de Catalunya
repository.name.fl_str_mv
repository.mail.fl_str_mv
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score 15.812429

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