Insurance companies get out of paying off in most such situations through the use of that little phrase weasel phrase "act of war" in standard policy contracts. E.g. if one's ship is lost due to the results of a military decision (your side, their side, somebody else's side, it doesn't matter) the insurance doesn't pay out. Turning off or disabling an emergency transponder because it might put you in increased danger of detection by the enemy is such an "act of war." An insurance policy that *would* pay out for a loss resulting from such a decision would be a LOT more expensive, IF you could find someone to underwrite it at all. But that's not really a concern, since most governments are self-insured anyway.