Frequently Asked Questions.


Got a question about our drone insurance ?









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Check out our FAQ's for common questions about our drone insurance products.


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  • Commercial FAQ's
  • Hobbyist FAQ's


General Questions & Definitions

How long is my policy valid for ?

Your policy is valid for 12 months from the date of purchase. We will contact you when your renewal is approaching.

When does cover start ?

Cover starts immediately after you have successfully paid your annual premium by debit or credit card.

Does my policy automatically renew ?

No. You will be sent a reminder when your renewal date is approaching.

Is there a minimum age requirement to be able to purchase a FLYICARUS Drone Insurance Policy?

Yes, we have a minimum age requirement of 18 years on all insurance policies. This requirement applies to the policyholder and all other pilots who have permission from the policyholder to fly the drone. In addition all pilots must hold a valid permission for aerial work / permission for commercial operations from the UK Civil Aviation Authority or the relevant equivalent authority in the country in which you will be operating.

Who is the Insurer ?

Your Insurer is Swiss Re International, UK Branch. A wholly owned subsidiary of the Swiss Re Group. A Fortune 500 company who is rated AA- by S&P.

How do I cancel my policy ?

If You decide that for any reason, this Policy does not meet Your insurance needs then please contact FlyIcarus Ltd within 14 days of issue. On the condition that no Claims have been made or are pending, a full refund will be available.Thereafter You may cancel the Policy cover at any time by You giving FlyIcarus Ltd 30 days’ notice, in writing via email to support@flyicarus.com, of such cancellation. At Our discretion, We may allow a refund of premium for any unexpired Period of Insurance less an administration fee of £25.00. There will be no return of premium in respect of any Drone on which a loss has been paid or is payable under this Policy.

What / Who are FlyIcarus

FlyIcarus Limited, Company Number 9859062, trading as FlyIcarus.com, is an Appointed Representative of Bannerman Rendell Ltd, who are Authorised and Regulated by the UK Financial Conduct Authority (FCA). Their FCA Register Number is 308692.

How can I pay for my policy ?

You can pay your insurance premium by either debit or credit card.

Can I pay monthly ?

Unfortunately not at this time.

What is the difference between Commercial and Hobby Insurance ?

Commercial insurance is for those individuals or companies who are carrying out paid commercial aerial work. Hobby insurance is for those who simply use their drone for private / fun / recreational use only.

How can I change my policy ?

If you need to make an change to your policy details, please contact us by emailing your request to support@flyicarus.com.

Can I add a drone to my policy ?

Yes. If you would like to add a drone to your account please contact us by emailing your request to support@flyicarus.com. 


Alternatively you can get in touch with us via 0203 790 7385

I can't find the answer to my question, what do I do ?

Coverage

Does my commercial policy cover me for recreational / practice use ?

Yes. Your commercial policy includes cover that allows you to fly recreationally and for both formal and informal training purposes.

I have quite a lot of equipment (drones, payloads, monitors, carry cases and ground equipment), can you cover it all ?

Yes. You can insure as many Drone(s), Camera(s), Gimbal(s), RC(s), Batteries, Monitor(s) and Ground Equipment as you like. Simply check that the total value of all of your equipment is not greater than the total insured value of the package you select. 

I have more than one Drone, can I insure them all ?

Yes. You can insure as many Drone(s), Camera(s), Gimbal(s), RC(s), Batteries, Monitor(s) and Ground Equipment as you like. Simply check that the total value of all of your equipment is not greater than the total insured value of the package you select. 


Does my policy cover me while I am outside of the UK ?

Yes. Subject to you having the required permissions to fly in the chosen country. It is your responsibility to make sure that you fully comply with the laws, rules and regulations of the country in which you are flying.

Does my policy include water damage ?

Yes. Our policy provides cover for over-water flying. It also provides cover for fire, storm and flood damage to all of your equipment. 

Does my policy cover me for mid-air collisions ?

Yes, you are covered for collisions with anything providing you are operating your drone in accordance with the rules and regulations.

Who is allowed to fly / operate one of my drones ?

The policyholder & any individual over the age of 18, holding a valid PfCO, with permission from the policyholder. All pilots will be subject to exactly the same policy terms, conditions, limitations and exclusions as the policyholder.

Does my policy include PfCO flight test cover ?

No, you can purchase this separately from us support@flyicarus.com for just £25. This amount will be refunded to you when you take out a commercial policy with us.

Does my policy cover me for night flying ?

Yes, providing you hold the necessary permissions from the CAA or the relevant equivalent authority in the country in which you are flying. Night flying is defined as the hours prior to sunrise and the hours after sunset.

Does my policy include theft cover ?

Yes. Theft is included within your policy. If any of your equipment is stolen, for this to be deemed 'theft' there must be forcible signs of entry to where the equipment was kept / stored. You will be required to notify the police of the theft, obtain a case number and a copy of the police report if possible.

Does my policy cover me for drone racing ?

No. Drone racing and cover for any form of competition flying is excluded.

Claims / Making a Claim

What should I do if I have an accident when flying my drone ?

If anyone has been Injured or any Third-Party Property has been damaged, please try and obtain the Name, Telephone Number and E-mail address of any witness to the incident. This is important as they may well be able to assist in the handling of your claim. 


Under no circumstances should you make any admission of liability or payment or offer or promise of payment without our written consent. 


Thereafter, please go to the 'Make a Claim' tab on our website and follow the instructions on how to complete the Claims Notification Form. If you experience any difficulties or have a question, please contact FlyIcarus by e-mail at claims@flyicarus.com or telephone 0203 790 7385 for assistance.

Are my flight logs / flight data required when I submit a claim ?

Yes, you are obliged to provide insurers with your flight logs / flight data for the date and time of the incident when you submit your claim. Failure to provide your flight logs may result in your claim being denied.


There are a number of 'how to guides' available on the internet if you need help downloading & uploading your flight data. Should your flight data for the date and time of the incident evidence that you were flying in breach of the laws, rules and regulations of the country in which you were flying, your claim will be denied.

Is there a policy excess ?

Yes.  The amount of the first part of each and every Claim for which You are responsible is: -10% of the insured value of the Drone(s) and/or Associated Equipment that has been damaged, lost or stolen. This calculation shall be based upon the manufacturer’s RRP, of the Drone(s) and/or the Associated Equipment involved in the incident, on the date the claim occurs.

How many claims can I have in a year ?

There is no limit on the number of claims you can have throughout the policy period. The only thing you'll have to do is pay your excess each time you make a claim.

Do you pay out in the event of a claim, or do you repair it ?

We have an arrangement with our exclusive DJI repairer, The Drone Doctor, who will assess the damage to your drone and report back to us. If it transpires your damaged drone is beyond economic repair, insurers will seek to replace your drone. If in the event your drone cannot be replaced via our suppliers, Insurers may decide to make a cash in-lieu settlement of your claim.

How long does it take to process a claim ?

Providing we receive all of the necessary information, including flight data, with the first advice of the claim we can normally turnaround the repair (including the courier to and from the Drone doctor) within a week.


The above is subject to spare parts availability. In rare circumstances the model of drone and the nature of the damage may mean your drone has to go back to DJI for repair.


General Questions & Definitions

How long is my policy valid for ?

Your policy is valid for 12 months from the date of purchase. We will contact you when your renewal is approaching.

When does cover start ?

Cover starts immediately after you have successfully paid your annual premium by debit or credit card.

Does my policy automatically renew ?

You will be sent a renewal reminder when your renewal date is approaching. If you wish to renew your policy, you need do nothing and your policy will automatically renew for another 12 months. If you do not wish for your policy to renew, please let a member of the team know at support@flyicarus.com or alternatively you can call us on 02037907385.

Is there a minimum age requirement to be able to purchase a FLYICARUS Drone Insurance Policy?

Yes, we have a minimum age requirement of 18 years on all insurance policies. This requirement applies to the policyholder and all other pilots who have permission from the policyholder to fly the drone.

Who is the Insurer ?

Your Insurer is Swiss Re International, UK Branch. A wholly owned subsidiary of the Swiss Re Group. A Fortune 500 company who is rated AA- by S&P.

How do I cancel my policy ?

If You decide that for any reason, this Policy does not meet Your insurance needs then please contact FlyIcarus Ltd within 14 days of issue. On the condition that no Claims have been made or are pending, a full refund will be available.Thereafter You may cancel the Policy cover at any time by You giving FlyIcarus Ltd 30 days’ notice, in writing via email to support@flyicarus.com, of such cancellation. At Our discretion, We may allow a refund of premium for any unexpired Period of Insurance less an administration fee of £25.00. There will be no return of premium in respect of any Drone on which a loss has been paid or is payable under this Policy.

What / Who are FlyIcarus

FlyIcarus Limited, Company Number 9859062, trading as FlyIcarus.com, is an Appointed Representative of Bannerman Rendell Ltd, who are Authorised and Regulated by the UK Financial Conduct Authority (FCA). Their FCA Register Number is 308692.

How can I pay for my policy ?

You can pay your insurance premium by either debit or credit card.

Can I pay monthly ?

Unfortunately not at this time.

What is the difference between Commercial and Hobby Insurance ?

Commercial insurance is for those individuals or companies who are carrying out paid commercial aerial work. Hobby insurance is for those who simply use their drone for private / fun / recreational use only.

How can I change my policy ?

If you need to make an change to your policy details, please contact us by emailing your request to support@flyicarus.com.

Can I add a drone to my policy ?

Yes ! If you would like to add a drone to your account you can do this by logging in and buying the relevant Hobbyist product via check-out. 


Alternatively you can get in touch with us via 0203 790 7385 OR support@flyicarus.com OR live chat.

I can't find the answer to my question, what do I do ?

Coverage

Does my Enthusiast Policy cover me for Commercial work?

Your Hobbyist policy covers you for private / fun / recreational flying only. 


Any Commercial (paid) work undertaken is not covered. If it is commercial cover that you require, please view our commercial products found here.

I have more than one Drone, can I insure them all ?

Yes. You can insure as many drones as you like. Simply select which drone insurance products you need and add them your cart. 


Please note that each product is only valid for ONE drone.

Do I still need insurance if I already have a Manufacturer's Warranty ?

A manufacturer warranty covers you in the event of mechanical breakdown or failure only. FlyIcarus's Hobby Drone Insurance provides you with comprehensive cover for accidental damage to your drone (including pilot error and unintentional fly-away).  As options, you can also purchase £1m of public liability cover and worldwide protection at an additional cost.

I can't see my drone in your product list, can I still get insurance ?

At present we are only offering for drones manufactured by DJI, and that appear on our website. This list may be extended in the future.

Does my policy cover me while I am outside of the UK ?

You are only covered for flying outside of the UK (subject to some excluded countries that are listed in the policy wording) if you have purchased the optional worldwide cover extension. It is your responsibility to make sure that you fully comply with the rules and regulations of the country in which you are flying.

Does my policy include Public Liability ?

You are only covered for public liability if you have purchased the optional public liability extension (available to Fly-More members and non-association customers only).

Does my policy include water damage ?

Our policy provides cover for over-water flying. We do not provide cover for water damage caused by flood, burst pipes, leaking etc. You are only covered for water damage to your drone if whilst it is in flight there is an incident and it crashes into a lake, ocean, river, reservoir or sea.

Does my policy cover me for mid-air collisions ?

Yes, you are covered for collisions with anything providing you are operating your drone in accordance with the rules and regulations.

Is my controller covered ?

All of our policies provide cover for your drone and all components per the original specification as retailed by the manufacturer (everything that came in the original box from the manufacturer).


Please note however that coverage does not extend to any extras found in the fly-more combo packages, or after market items.

Is my friend allowed to fly my drone ?

Provided your friend is aged 18 or over, and has your permission to operate the drone they will be covered. They will be subject to exactly the same policy terms, conditions, limitations and exclusions as you.

Can I upgrade my policy to a commercial one ?

If you have taken out a Hobby policy, and would like to upgrade to a Commercial policy, you can do this by purchasing one of our Commercial drone insurance policies online. Subject to you not having had a claim on your Hobby policy, we will agree to a pro-rata refund of premium for the unexpired portion of your Hobby policy.

Does my policy include PfCO flight test cover ?

No, you can purchase this separately from us here for just £25. This amount will be refunded to you when you take out a Commercial policy with us, subject to you not having had a claim on your flight test policy.

Does my policy cover me for night flying ?

No. Night flying is defined as the hours prior to sunrise and the hours after sunset.

Does my policy include theft cover ?

No. Theft is excluded from your policy.

Does my policy cover me for drone racing ?

No. Drone racing and cover for any form of competition flying is excluded.

Claims / Making a Claim

What should I do if I have an accident when flying my drone ?

If anyone has been Injured or any Third-Party Property has been damaged, please try and obtain the Name, Telephone Number and E-mail address of any witness to the incident. This is important as they may well be able to assist in the handling of your claim. 


Under no circumstances should you make any admission of liability or payment or offer or promise of payment without our written consent. 


Thereafter, please go to the 'Make a Claim' tab on our website and follow the instructions on how to complete the Claims Notification Form. If you experience any difficulties or have a question, please contact FlyIcarus by e-mail at claims@flyicarus.com or telephone 0203 790 7385 for assistance.

Are my flight logs / flight data required when I submit a claim ?

Yes, you are obliged to provide insurers with your flight logs / flight data for the date and time of the incident when you submit your claim. Failure to provide your flight logs may result in your claim being denied.


There are a number of 'how to guides' available on the internet if you need help downloading & uploading your flight data. Should your flight data for the date and time of the incident evidence that you were flying in breach of the laws, rules and regulations of the country in which you were flying, your claim will be denied.

Is there a policy excess ?

Yes. Your policy excess is 10% of the insured value subject to a minimum of £50 each and every claim. 

How many claims can I have in a year ?

There is no limit on the number of claims you can have throughout the policy period. The only thing you'll have to do is pay your excess each time you make a claim.

Do you pay out in the event of a claim, or do you repair it ?

We have an arrangement with our exclusive DJI repairer, The Drone Doctor, who will assess the damage to your drone and report back to us. If it transpires your damaged drone is beyond economic repair, insurers will seek to replace your drone. If in the event your drone cannot be replaced via our suppliers, Insurers may decide to make a cash in-lieu settlement of your claim.

How long does it take to process a claim ?

Providing we receive all of the necessary information, including flight data, with the first advice of the claim, we can normally turnaround the repair (including the courier to and from the Drone doctor) within a week.


The above is subject to spare parts availability. In rare circumstances the model of drone and the nature of the damage may mean your drone has to go back to DJI for repair.

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