Flock: A global, real-time drone insurance platform providing risk-assessed and customisable policies in an autonomous world

Flock：全球实时无人机保险平台，在自治世界中提供经过风险评估和可定制的保单

• 批准号: 104725
• 金额: $ 28.46万
• 依托单位: FLOCK LIMITED
• 依托单位国家: 英国
• 项目类别: Feasibility Studies
• 财政年份: 2019
• 资助国家: 英国
• 起止时间: 2019 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=104725
• 关键词: Flock; global; real; time; drone

As drones are new and fast-growing market, insurers lack the historical data that would allow them actuarially quantify the possible losses, and therefore they are forced to guess the claims they will incur. This has a negative impact on the final users- the price is over inflated and simply based on market dynamics. In order for drones to fly safely, with minimal disruption and invasion of privacy, a technology is necessary that can identify, quantify and minimise risks and feedback this data to the user.Flock solves this by meaningfully quantifying risk, and pricing per-flight policies accordingly. The riskier the flight, the more expensive it is, saving money for the safest users. This creates an incentive for safety, that brings wider benefits in the form of increased safety**.** ?Flock's? ??app? ?provides? ?drone operators? with ?a? ?map? ?of? ?their? ?local? ?environment;? ?drone? ?operators? ?can? ?use? ?the? ?app? ?to? ?identify the? ?potential? ?risks? ?around? ?them,? ?receive? ?real-time? ?weather? ?and? ?air traffic updates,? ?to better? ?understand? ?their? ?airspace? ?and? ?the? ?risks? ?their? ?drone? flight? ?poses to itself, the public (third parties) and property/infrastructureBy using data from constantly updating global APIs (satellite/weather/GPS/regulatory) and databases to accurately model the risk of each specific journey, Flock's real-time, high-fidelity risk mapping solution aggregates relevant environmental data at the point of take-off, combining this with drone specs and pilot information in order to accurately quantify the risk of any given drone flight. The result is the world's most advanced drone insurance platform, capable of distributing fully customised insurance policies to pilots in a matter of seconds, and for a small fraction of the cost of traditional annual policies. Pilots flying with Flock avoid prohibitively large up-front insurance costs, instead incurring costs only when they fly and easily transferring these costs to their customers if required.

由于无人机是一个新兴且快速增长的市场，保险公司缺乏历史数据，无法对可能的损失进行精算量化，因此他们被迫猜测他们将承担的索赔。这对最终用户产生了负面影响--价格被过度夸大，而且仅仅是基于市场动态。为了让无人机安全飞行，最大限度地减少干扰和侵犯隐私，需要一种技术来识别、量化和最小化风险，并将这些数据反馈给用户。Flock通过有意义地量化风险并相应地为每次飞行定价来解决这个问题。飞行风险越大，费用越高，为最安全的用户省钱。这创造了一种安全激励，以增加安全性的形式带来更广泛的利益 **。?弗洛克的？??应用程序？?提供？?无人机操作员和谁在一起？是吗？?地图？?什么？?他们的？?本地的？?环境;？?无人机?接线员？?可以吗？?使用？?的？? app？?到哪里去？?识别？?潜力？?风险？?周围？?他们，？?接收？?实时吗?天气？?然后呢？?空中交通最新消息，？?更好的？?明白吗？?他们的？?领空？?然后呢？?的？?风险？?他们的？?无人机航班？?对自己和公众（第三方）和财产/基础设施通过使用来自不断更新的全球API的数据（卫星/天气/GPS/监管）和数据库，以准确地模拟每个特定旅程的风险，Flock的实时，高保真风险测绘解决方案汇总了起飞点的相关环境数据，将其与无人机规格和飞行员信息相结合，以便准确量化任何给定无人机飞行的风险。其结果是世界上最先进的无人机保险平台，能够在几秒钟内向飞行员分发完全定制的保单，而且成本仅为传统年度保单的一小部分。使用Flock飞行的飞行员避免了高昂的前期保险费用，而是只在飞行时产生费用，并在需要时轻松地将这些费用转移给客户。