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

由于无人机是一个新的快速增长的市场，保险公司缺乏历史数据，无法精算地量化可能的损失，因此他们被迫猜测无人机将产生的索赔。这对最终用户有负面影响--价格被过度夸大，只是基于市场动态。为了让无人机在最大限度地减少干扰和侵犯隐私的情况下安全飞行，必须有一种技术来识别、量化和最大限度地减少风险，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的保单定价来解决这一问题。飞行风险越高，费用就越高，为最安全的用户节省资金。这创造了一种安全激励，以增加安全性的形式带来了更广泛的好处。**？Flock的应用程序？？提供？？无人机操作员？有当地环境的地图；无人机运营商可以使用该应用程序识别他们周围的潜在风险，接收实时天气和空中交通更新，以便更好地了解他们的空域和风险？飞行？？对自身、公众(第三方)和财产/基础设施构成威胁通过使用不断更新的全球API(卫星/天气/GPS/监管)和数据库的数据来准确建模每一次特定旅程的风险，Flock的实时、高保真风险地图解决方案汇总了起飞时的相关环境数据，并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。其结果是形成了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，而成本仅为传统年度保单的一小部分。搭乘FLOCK航班的飞行员避免了令人望而却步的高额预付保险费，相反，只有在飞行时才会产生费用，如果需要，可以很容易地将这些费用转嫁给客户。

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.