Insurance against drones turned out to be “inflated”: it won’t work with Ukrainian drones

Expert Maxim Pichugin assessed the new policy “against UAV attack”

There will always be a fool who will buy a policy “against a drone crash.” This is how insurance expert Maxim Pichugin assessed the new insurance product that appeared on the Russian market. Earlier it became known that one of the largest insurance companies in Russia has launched a special product – “aircraft crash insurance”. The expert told MK in which cases drone falls are covered by insurance and in which cases they are not.

As MK found out, the list of risks under the new policy includes all the consequences of drones entering a home: fires, damage to glass. In the summer of 2023, insurance against drone arrivals appeared from another company, but only as an additional option to property insurance. Now in the domestic market, insurance against this type of risk has been separated into a separate product.

The general director of the insurance company, Maxim Pichugin, explained whether the new product will benefit Russians or is it just another marketing ploy.

– Is the creation of a separate insurance product a response to a pressing request from citizens or an attempt to make money on the hype?

– The state says that air defense is working. At the same time, an insurance company appears that says, “if something suddenly falls on you, we will pay you something.” I would say that this is some kind of hype, and not a response to the public’s request. Dancing on the bones.

– Let’s say a person purchases such a policy. Will the insurance company be able to refuse payment?

– If a person bought a service and the drone falls, the company will pay. But here you need to look at the detailed insurance conditions, on what basis and what exceptions there are. This story is not a popular one at all. Drone flights are now prohibited in Russia. You will also have to look at whether a specific situation, a specific risk, applies to the military. Let’s assume that if it turns out that the drone arrived from Ukraine, then the incident will not be covered by insurance.

In this world, you can insure anything. Under any conditions that they can come up with: from an attack by a flying vehicle or a submarine, to the arrival of aliens on earth. There will always be a fool who will buy such a policy.