UAV countermeasures are undoubtedly an important means of UAV risk aversion
Data shows that by 2020, the global drone market will reach $25.9 billion. The domestic civilian drone market is expected to reach 97.7 billion yuan in 2023. Faced with the increasingly broad market of drones in aerial photography, environmental monitoring, power inspection, disaster relief, news reporting, express logistics, remote sensing mapping, agricultural plant protection and other fields, the risks faced by drones cannot be ignored. Whether it is airframe damage or personal and property damage caused by an unmanned aerial vehicle accident, huge compensation will result, and risk protection must be sought from insurance products. For insurance companies, drone jammers are undoubtedly an important means of drone risk aversion.
Judging from the released unmanned aircraft bancassurance products, including shell insurance, third-party platform liability insurance, operator damage insurance, etc.:
1. Airframe insurance is mainly for the damage caused by the drone during operation. Insurance coverage mainly covers damage to drone hardware and ground equipment. Product prices vary based on the design and lifespan of the drone.
2. Third-party liability insurance is one of the most popular insurance products in the drone market. It mainly covers the injury or loss of third-party personnel and property caused by unmanned aerial vehicles during operation. Premiums vary based on the amount insured.
3. Operator injury insurance is to protect the operator from the risk of physical disability or death due to accidental injury.
It has been four years since the first launch of domestic drone insurance products. An insurance company recently announced that after the drone insurance product is launched, it will provide aircraft body + third-party injury insurance for more than 10,000 users in 33 provinces, municipalities and autonomous regions across the country. On the contrary, most insurance companies have not launched related insurance products.
What cannot be ignored is the rapidly developing technology industry, the constantly updated high-tech products and products, the talents in the insurance industry, and the immature design of insurance products, which hinders the advancement of technology-related insurance.
For example, the survey and damage assessment of UAV products is often controversial. The damage status of different brands and models of drones has different effects on the airframe. The cause of product damage also requires professional analysis. When insurance companies cannot provide a large number of professionals to examine and resolve claims, they need to analyze and resolve losses on their own. This means that the right to file a claim on an insurance product is in the hands of the drone company.
