从总体看，这份来自深圳监管部门的指引文件涵盖销售、承保、理赔等各环节，助力提升低空经济保险业 务的标准化水平。 探索无人机"交强险"的先行先试 早在去年4月，深圳金融监管部门指导发布了全国首个"无人驾驶航空器第三者责任保险示范性条款"，被 业界普遍认为是未来无人机"交强险"的雏形。据观察，该条款的创新性，主要体现在增加无过失赔偿相关 条款、优化赔偿处理流程、保险责任增加空中坠人造成的三者事故、增设急救费用垫付扩展条款等。该条 款也是市场上首个提及无过失责任的无人驾驶航空器示范性条款。 深圳金融又尝"头啖汤"。7月4日，深圳金融监管局指导深圳市保险业协会联合低空经济产业协会等部门， 在前期示范性条款的基础上，配套发布全国首个《深圳地区无人驾驶航空器第三者责任保险服务指引》， 形成"示范条款+服务指引"全链条保险保障。《指引》有何看点？对本地保险机构有何约束？又如何助力 深圳加速布局"天空之城"？ 深圳对无人机承保和理赔提出标准化指引 按照《深圳地区无人驾驶航空器第三者责任保险服务指引》，在承保服务方面，保险公司应当严格执行报 备的保险条款和费率，不得额外增加或者减少保险责任。具备能够与无人驾驶航空器一体化综合监 ...

Core Insights - The development of the low-altitude economy is accelerating the demand for drone insurance, marking the beginning of a standardized insurance product era in China [1][2] Group 1: Policy and Market Dynamics - The introduction of the "Interim Regulations on the Flight Management of Unmanned Aerial Vehicles" in January 2024 mandates that drones must purchase liability insurance, creating a rigid demand for drone insurance in the low-altitude economy [2][3] - The current insurance rate for commercial drones is approximately 7%-10% of the drone's selling price, with higher policy amounts compared to consumer drones [3] Group 2: Market Size and Growth Potential - The existing drone application scenarios in China have reached 27, with the market size expected to reach several hundred billion yuan by 2025 [4] - The low-altitude economy insurance market is projected to reach 8 billion to 10 billion yuan by 2035, driven by emerging scenarios such as drone logistics and urban air traffic [4] Group 3: Standardization and Product Development - The standardization of drone insurance products is improving, with types including all-risk insurance for drones, third-party liability insurance, pilot accident insurance, and major equipment insurance [3][5] - The insurance industry is encouraged to establish industry data standards for drone insurance to enhance product pricing and claims mechanisms [6][7] Group 4: Future Outlook - The continuous improvement of drone insurance claims standards will help reduce operational costs for insurance companies and provide clearer options for users [7] - Collaboration among insurance companies, drone manufacturers, and regulatory bodies is essential for refining insurance products and services to support the growth of the low-altitude economy [7]

作为全球第⼀家⽆⼈机保险专业服务商，四川帆陌科技有限公司凭借产品优势与创新能力，深度契合会 议核心要求，以科技赋能低空保险，成为低空经济安全发展的重要支撑力量。 无人机保险需求激增，成低空产业发展关键保障 据悉，此次会议提出推动低空经济发展的七点工作要求，其中"发展与安全并重，筑牢行业安全底线"， 体现了国家对低空经济安全的高度警惕和责任担当。会议强调，作为新兴产业，低空经济在追求经济效 益的同时，必须将安全放在首位，只有建立完善的安全管理体系，提升技术安全水平，才能确保低空经 济行稳致远。 众所周知，随着无人机在测绘、植保、物流、巡检等领域广泛应用，无人机飞行在机身损坏、第三方人 员伤亡或财产损失等风险也逐渐加大，制约产业进一步发展。在此背景下，低空保险尤其是无人机保险 成为保障低空产业安全的重要手段。从无人机强制险到无人机责任险、无人机三者责任险，再到大疆保 险等品牌专属保险，我国无人机保险体系不断完善。 近日，国家发展改革委主任郑栅洁主持召开推动低空经济发展工作会议，从顶层设计到协同发展，从产 教融合到安全保障，明确了当前及未来低空行业发展的核心方向与战略重点。 敏锐洞察到无人机飞行风险隐患，帆陌科技推 ...