Policy Features

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Core Features
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Provides cover for your Drone(s), including integral non-detachable Payload(s) and original manufacturer Flight Controller(s), against accidental physical damage to, or loss of, Drone(s), as itemised under “Details of Drone(s)” in your Policy Schedule.
Damage to Drone
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Provides protection whilst operating your Drone against third party bodily injury (eg if you hit anyone whilst flying your Drone) and in addition, provides protection for accidental damage to third party property (eg if you hit someone else’s car or house).
Third Party Liability
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Covers you against accidental physical damage to, or loss of, detachable Payloads, as itemised under “Details of Payloads” in your Policy Schedule.
Detachable Payload Cover
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Covers you for accidental physical damage to, or loss of, any Ground Equipment (eg after-market Flight Controllers and Video Equipment) as itemised under “Details of Ground Equipment” in your Policy Schedule.
After-market Ground Equipment
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Provides cover for your Drone(s), detachable Payloads and Ground Equipment, as itemised in your Policy Schedule, in the unfortunate event it gets stolen.
Theft
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Your Drone(s), including integral non-detachable Payload(s) and original manufacturer Flight Controller(s), detachable Payload(s) and Ground Equipment, as itemised in your Policy Schedule, are covered for both accidental physical damage and third party liability whilst your Drone(s) is in flight.
Whilst In Flight
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The Policy provides cover whilst operating a Drone, as itemised under “Details of Drone(s)” in your Policy Schedule, by any pilot who is named in the “Details of Pilots” section of your Policy Schedule. There is no restriction on the number of pilots that can be covered under your Policy.
Multiple Pilots
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Enthusiast – You may only fly your drone for recreational purposes.
Commercial – If you hold a valid NQE approval and a valid CAA PFCO you may use your drone for any purpose, other than recreational uses. Night Flying is subject to obtaining the necessary permit and approval from the CAA and may be purchased at an additional premium.
Drone Uses
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Commercial Only – Offers reasonable settlement in respect of loss of or damage to crops and/or other property caused by trespassers following a crash or forced landing of Your Drone up to but not exceeding £10,000 in the annual aggregate during the Period of Insurance.
Trespasser’s Costs
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Commercial Only – This extension provides you with cover following the unlawful interference of any computer system, software programme, programming code, system process or any other electronic system, that enables a third party to seize control of your drone whilst in-flight with the intention of inflicting harm to others or damage to property.
Cyber Cover
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Commercial Only – Whilst your drone is being repaired or replaced following an accident, this cover will pay for the costs of hiring in a substitute drone to enable you to perform pre-agreed contracts in connection with your business.
Alternative Hire Costs
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Commercial Only – Provides cover for acts of war, terrorism, hijacking, acts of sabotage, unlawful seizure of aircraft and civil commotion. The CAA states that to operate commercially, your insurance must comply with the requirements of (EC) 785/2004. The combination of our Third-Party Liability protection plus this Liability War extension means you will be fully compliant with Regulation (EC) 785/2004.
Liability War Cover
Commercial Operators why not enhance your policy further?

Whilst in Transit

Provides cover for loss, theft, disappearance or accidental damage to your Drone(s), detachable Payload(s) and Ground Equipment, whilst in transit by any means.

Drone Pilot Personal Accident

Provides cover for death or disablement to the Drone operator, whilst operating a Drone insured under the policy.
1. Basic Limit: Capital Sum Insured £10,000, Medical Expenses £5,000 each insured person.
2. Standard Limit: Capital Sum Insured £15,000, Medical Expenses £7,500 each insured person.
3. Advanced Limit: Capital Sum Insured £20,000, Medical Expenses £10,000 each insured person.

Invasion of Privacy

Provides cover should a claim be made against you for an invasion of privacy. We will cover you for the sums you are legally liable to pay as compensation subject to the sub-limit in your policy.
1. Basic Limit: £5,000 any one offence and in the aggregate.
2. Standard Limit: £10,000 any one offence and in the aggregate.
3. `Advanced Limit: £15,000 any one offence and in the aggregate.

Worldwide Cover

This extension enables you to operate your drone anywhere in the world, provided you are not in breach of any Sanction or Embargo imposed by the USA, UN or EU. Wherever you are operating your drone, you must abide by the local Aviation Authority Guidelines and Regulations.

Fire, Storm & Flood

We will pay for the loss of or physical damage to Your Drone(s), Payload(s) and Ground Equipment due to exposure to a Fire, Storm or Flood.

Multiple Drone Cover

Your Policy provides you with cover to operate only one Drone at any one time. This endorsement provides cover for your business to operate Multiple Drones at the same time.

Night Flying Cover

This endorsement removes the Night Flying Exclusion from your Policy, allowing you to pursue contracts where this requirement would be a necessity to fulfill the contract. You must hold a valid CAA permit and authority to fly in the hours of darkness.