A premium insurance company called UAV claim enough, has suspended personal business-UAV-IT information

According to voice of the news reports of the evening rush hour, in recent years, "drones" market booming, wanted to take the opportunity to make a fortune for an insurance company in Suzhou, last year launched the UAV airframe damage insurance and third party liability insurance, but nearly a year, come in premium enough claim, call it to afford, at present, the insurance company had been suspended business.

A drones in Suzhou after sale claim maintenance, the maintenance staff is to just fix the unmanned test flight, maintenance of the Cabinet, filled on the ground waiting for repair drone, have fallen to pieces. Liu drone has just bought two months, had an accident, "play this badly again, also cannot avoid bombing, an accident. ”

Mr LAU is now very glad that I purchased the UAV airframe damage. Cover only cost less than 500 Yuan, this time repairing more than 1000. It is understood that Suzhou, he insured the insurance company and an unmanned aerial vehicle dealers launch the UAV airframe damage and third party liability insurance. Cooperation provisions in this unmanned aerial vehicle dealers buying drones, you can purchase the appropriate insurance.

Insurance company operations manager Shen Hua: "acquired 4800 drone, calculated according to the rate of 4%, the fuselage 192 Yuan a year. If you attach third party liability risks 200 Yuan to 200,000 yuan, spending a year premium is 392. ”

After the product launch, 70% of those who purchase insurance is purchased, but the drone accident rate is too high, far more than the insurance company anticipate. Staff reflect, "100 people, at least fifty or sixty accidents, especially newbies, not scrapped. ”

During the flight, most common accident is to fly players always say, "blow up", that is, machine crash. This phenomenon for many reasons, flying incorrect storage and transport has a lot to do.

Industry insiders Mr Shen: "fall there are a number of reasons, many people in the car may hurry, put it away, too late because materials like cast iron touch the plane no problem, the entire aircraft may be an emergency brake the wing positions are easy to fold. ”

Some flying drones in operation from hands, often allow blind flying drones out of your line of sight, this improper operation is also a major cause of high accident rates. In one year, and insurance companies call it to afford.

Insurance company operations manager Shen Hua said: "when stopped for a week before the Spring Festival, because of higher pay rates, a comprehensive cost estimates down to around 130, we included 100 premium, plus costs, pay, you may want to reach 130, 100 dollars, to pay 130, such a probability of losing. ”

Now the insurance company has been suspended for unmanned aerial vehicle insurance business. Allowed only for the drones of the Distributor Agent insurance. As for the continuation of cooperation with dealers, also insurance rates could increase dealers machine accident rate is reduced after upgrading, cos again after three months.

Unmanned aerial vehicle dealers, and insurance companies are also reminded users, smashed plane small, injury to a pedestrian. Therefore, in order to avoid flying in crowded places and observe the terrain before the departure and, in addition, in the action when the drone, but also pay attention to weather changes, avoiding airports, high tension wires, buildings prone to dangerous places, including flights.

一保险公司直呼无人机保费不够理赔，已暂停个人业务 - 无人机 - IT资讯

据中国之声《新闻晚高峰》报道，近年来，“无人机”市场红火，苏州一家保险公司本想借机发财，在去年推出了无人机机身损失险和第三者责任险，没想到近一年下来，收进来的保费已经不够理赔了，直呼赔不起，目前这家保险公司已经暂停个人业务。

在苏州一家无人机售后理赔维修点，维修人员正在给一架刚修好的无人机做试飞，维修点的柜子上、地面上摆满了等待修理的无人机，有得已经摔得支离破碎。刘先生的无人机才刚买两个月，也出了事故，“玩这东西再厉害，也避免不了炸机，出事故。”

刘先生现在非常庆幸自己购买了无人机机身损失险。投保时，只花了不到500块，光这一次维修都不止1000。据了解，他所投保的这家苏州保险公司和某无人机经销商合作推出无人机机身损失险和第三者责任险。合作规定，凡是在这家无人机经销商里购买的无人机，都可以购买相应保险。

保险公司运营部经理沈华介绍：“购置4800的无人机，按费率百分之四计算，机身每年损失192元。如果附加20万元第三者责任险就是200元钱，每年需要支出保费是392元。”

产品推出后，百分之七十的购机者购买了相应保险，没想到，无人机出险率实在太高，远远超出保险公司的预判。工作人员反映，“一百个人里，起码有五六十起事故，尤其是新手，不会玩瞎折腾。”

在飞行过程中，最常遇到的事故就是飞手们常说的“炸机”，也就是机器坠毁。造成这一现象原因很多，其中跟飞手们不正确的保管和运输有很大的关系。

业内人士沈先生介绍：“摔有很多种原因，很多人都放在汽车后面，可能急急忙忙，来不及把它收起来，因为飞机材质不像铸铁碰一下没什么问题，整个飞机可能一个紧急刹车机翼等位置很容易折。”

还有一些飞手在操作无人机时，常常会任由无人机脱离自己的视线进行盲飞，这种不当操作方式也是事故率居高不下的一大原因。一年下来，保险公司直呼赔不起。

保险公司运营部经理沈华表示：“当初春节前停掉一星期，因为赔付率较高，综合成本测算下来达到130左右，我们收进100块保费，加上成本、赔付，可能要达到130，拿进100块钱、付出130，这样一个概率，亏本。”

目前这家保险公司已经暂停个人办理无人机保险业务。只允许办理经销商代理的无人机保险。至于跟经销商的合作能否继续下去，还要看保险费率能否提高，经销商的机器更新换代后出险率是否降低，综合观察三个月后再定。

无人机经销商以及保险公司也提醒用户们，砸坏飞机事小，伤到行人事大。因此，要尽量避免在人多的地方飞，起飞前注意观察地形，此外，在操作无人机时，还要注意天气变化，避免在机场、高压电线，高楼等容易出危险的地方飞行。