Emergency braking systems to lower insurance premiums?

Speaking at an international conference, Thatcham Research, the insurance companies' technology centre, said that insurance premiums could be lowered for cars fitted with systems that automatically brake the car at speeds up to 18 mph.

Such systems, currently available on some Fords, Volvos and Range Rovers amongst others, appear to cut insurance claims by up to 25%. The idea is that if the car detects an obstacle (e.g. a wall, another car or even a pedestrian) and calculates that the driver has not braked in time, the car will automatically perform an emergency stop.