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Uhm… what? Of course they do.
Seems like you’re just making things up now because you don’t like to be wrong. Please stop arguing in bad faith, it’s not a good look.
Last I’ve read was that the insurance only covers up to 1.5 billion € in damages. That would only cover small incidents
Yeah I don’t think insurance covers a Chernobyl size event, but that is increasingly unlikely to happen with modern reactors nowadays. We don’t build inherently dangerous reactors like the soviets did —nor have we ever.
The only large disaster in modern history is Fukushima in 2011 and to a lesser extent the three mile island incident in 1979. After each we’ve learned a lot and made important changes to plants worldwide to prevent it. But yes, there is a non-zero chance for a meltdown in current NPPs.
But it would take a natural disaster of epic proportions and I don’t think those are covered for any power plant, nuclear or not.
And new technology like molten salt reactors and thorium based fuels will increase safety even further.