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Safety / TDCN ORIGINAL

Allianz crash study finds 67% of Australian drivers want physical controls over touchscreens

The insurer's review of 34,000 collisions found distraction featured in two-thirds of Australian crashes, with 29% of drivers reporting a critical moment caused by a touchscreen.

Two-thirds of Australian drivers surveyed want physical buttons back in their cars, according to research from insurance giant Allianz that links touchscreen controls to distraction and crashes. The Allianz Centre for Technology (AZT) analysed 34,000 vehicle crashes and surveyed drivers internationally for its report, titled Swipe. Tap. Crash. Driver distraction in the digital car.

The study found 67 per cent of Australian drivers who had been in a collision identified distraction as a factor in the incident, and 29 per cent said they had experienced a critical moment while driving because of a touchscreen. The same 67 per cent figure of Australian respondents said they preferred physical buttons over digital icons.

What the Allianz study measured

AZT surveyed motorists across several countries and found Australians near the top of the list for preferring physical controls over touchscreens. Three-quarters of Australian respondents (75 per cent) agreed that in-car distraction had increased in recent years, matching sentiment in the UK, while Germany, Austria, Spain, Italy and France recorded higher proportions and Brazil the highest at 86 per cent.

Dr Klaus-Peter Röhler, writing in the report's foreword, said distraction appears far more often in the crash record than official statistics suggest, and that the same everyday task is markedly more dangerous in one car than in another. He added that a glance of only a couple of seconds can, at the wrong moment, be as dangerous as driving over the drink-drive limit.

AZT traffic psychologist Michael Praxenthaler said not all touchscreens are equally distracting, and that well-designed in-car controls can significantly reduce the time drivers spend looking away from the road. He framed distraction as a design challenge rather than simply a driver problem.

A driver taps through apps on a touchscreen — the kind of interface Allianz respondents say they'd rather replace with physical controls.
A driver taps through apps on a touchscreen, the kind of interface Allianz respondents say they'd rather replace with physical controls., Image: CarExpert

ANCAP's push for buttons

The findings echo calls from Australian safety watchdog ANCAP for automakers to avoid burying critical vehicle functions in touchscreen menus. ANCAP CEO Carla Hoorweg said the organisation wants carmakers to bring back buttons for the functions drivers use every day, arguing that adjusting windscreen wipers, switching on headlights or clearing a fogged-up windscreen should be simple, intuitive and achievable without taking attention off the road.

Hoorweg's comments followed crash tests of the Xpeng X9 electric people mover and GAC Aion UT electric hatchback. The sources do not name any other specific models or carmakers as being affected by the distraction findings, and Allianz's report is presented as a study of driver behaviour and crash records rather than a model-by-model ranking.

No new Australian rules on in-car controls have been announced. ANCAP's position is a call to manufacturers rather than a regulatory change, and the sources do not indicate whether any government body is drafting requirements for physical controls.

That matters because ANCAP's voice carries weight with buyers and with manufacturers chasing its ratings, but a call from a safety body is not the same as a mandate. Drivers who want knobs and stalks back are, for now, reliant on carmakers choosing to reverse the touchscreen trend themselves.

Allianz's country-by-country data on perceived distraction from in-car tech, with Australia among the higher readings.
Allianz's country-by-country data on perceived distraction from in-car tech, with Australia among the higher readings., Image: CarExpert

Why the numbers are worth watching

The gap between the 67 per cent of collision-involved Australian drivers citing distraction and the 29 per cent who reported a touchscreen-related critical moment is a reminder that distraction has many sources, not just screens. Still, the preference figure is striking: a clear majority of Australian respondents say they would rather have buttons than icons.

For buyers, the practical takeaway is to treat control design as a purchase consideration alongside range, price and safety rating. The AZT research suggests the layout of a cabin can change how much time a driver spends looking away from the road, which is a safety variable that spec sheets rarely capture.

The sources do not give a breakdown of the survey sample size by country, a publication date for the report, or a list of which vehicles were judged better or worse for control design. Those details have not been announced.

The headline finding: a majority across markets, including Australia, prefer classic buttons and dials over touchscreens.
The headline finding: a majority across markets, including Australia, prefer classic buttons and dials over touchscreens., Image: CarExpert
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New cars / TDCN ORIGINAL

NRMA Insurance fined $479,500 over NSW CTP overcharges

SIRA imposed eight civil penalties after pricing errors overcharged green slip customers, with the most serious matter affecting about 41,564 policies.

NRMA Insurance has been fined $479,500 by the New South Wales regulator after pricing errors led to customers being overcharged on compulsory third-party (CTP) insurance, the green slip required to register a vehicle in NSW. The State Insurance Regulatory Authority (SIRA) imposed eight civil penalties on Insurance Australia Limited, which trades as NRMA Insurance, and the insurer is refunding affected customers.

The address-data error behind the largest overcharge

The most serious of the eight matters involved an address-data error that caused incorrect rating districts to be applied, producing premiums inconsistent with the insurer's approved pricing. SIRA estimated that about 41,564 policies were affected, with customer overcharges totalling $12.17 million.

SIRA described it as the most serious matter for which NRMA Insurance was penalised, citing the substantial affected population, significant estimated customer detriment and failures in core pricing and data controls. The regulator said the departure from the premiums filed with the Authority also affected the integrity of the regulated premium framework.

That matters beyond the individual refunds: CTP premiums in NSW are set within a regulated framework, so an insurer charging outside its filed rates undermines the system the regulator uses to keep green slip pricing consistent across the market.

NRMA Insurance's Sydney headquarters, where the CTP overcharging penalty was handed down
NRMA Insurance's Sydney headquarters, where the CTP overcharging penalty was handed down, Image: CarExpert

The other seven matters

Across the eight matters, NRMA Insurance was found to have breached requirements of the Motor Accident Injuries Act 2017, the Motor Accident Guidelines and its insurer licence.

SIRA found the insurer underpaid cancellation refunds by an estimated $118,421. It also failed to apply a discount to eligible customers, resulting in estimated overcharges of almost $662,000, and incorrect risk-state mapping led to estimated overcharges of $70,320.

SIRA said the issues exposed significant weaknesses in NRMA Insurance's pricing, data and system controls, resulting in incorrect premiums, customer overcharges and under-refunds. The regulator noted that NRMA Insurance cooperated throughout the investigation and is undertaking remediation for affected motorists, including refunds for identified overcharges.

Serious crash damage underscoring why CTP premiums matter to NSW motorists
Serious crash damage underscoring why CTP premiums matter to NSW motorists, Image: CarExpert

Refunds and who is covered

NRMA Insurance is refunding affected customers, but SIRA has not announced a timetable for when those refunds will be paid, and no total refund figure across all eight matters has been published. The penalties cover CTP policies in NSW only; the sources do not indicate any effect on drivers in other states or territories, and no such impact has been announced.

The fine is the latest in a series against the insurer. SIRA previously fined NRMA Insurance $10,000 in December 2024, announcing the penalty in January 2025, for failing to disclose demerit-point loadings on CTP renewal policies and incorrectly applying those loadings. Insurance Australia Limited was also fined $40 million in 2023 over promised loyalty discounts that were not delivered.

IAL sits within Insurance Australia Group, Australia's largest insurer, which also owns 90 per cent of RACQ Insurance among other brands. For green slip buyers, the practical lesson is to check that the district and discount details on a renewal match their circumstances, since the errors here were corrected only after the regulator stepped in.

A minor collision of the kind that triggers a NSW CTP claim
A minor collision of the kind that triggers a NSW CTP claim, Image: CarExpert
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