Major Russian insurance companies have begun offering individual policyholders coverage for “acts of war,” the Russian business daily Kommersant reports.
Among the risks covered are falling drone debris, blast waves, and air defense system operations. Ingosstrakh also classifies civil war, various forms of civil unrest, and labor strikes as “acts of war.”
Adding “acts of war” coverage at Alfa Insurance raises premiums by about 10%; at Ingosstrakh, by 12%. Other major insurers — RESO-Garantiya, Rosgosstrakh, and Soglasiye — offer similar coverage but have not disclosed detailed terms.
Lawyers interviewed by Kommersant warn that policyholders may find it difficult to prove their particular claimqualifies as an “act of war,” since the term has no binding legal definition. “Disputes can arise from exclusions, indirect losses, and difficulties in establishing the cause of damage,” said Alexander Pavlovsky, a partner at a.t.Legal, a Moscow law firm.
Ukrainian forces regularly carry out drone strikes against targets on Russian territory hundreds of kilometers from the border. Drones and debris from downed drones have repeatedly struck homes across Russia. Ukraine’s military command has repeatedly stated that, unlike Russia’s Defense Ministry, it does not deliberately target civilians.
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