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Question : drones

Q:What drones are you able to insure?
A:We are able to insure for the following drones: Any single drone up to £250,000. Any single drone and detachable payload in the air with a total value of £250,000 or less. Any drone which has a Maximum Take Off Weight (MTOW) of 30 KG or less (operators of drones over 20 kg are required to have a valid exemption from the CAA to be covered under this policy). Drones that will not be used for racing or any competition use. Recreational or hobby users. A single drone that will not be used for more than 500 hours over a 12 month period. Drones that will operate in accordance with drone national and / or local regulations.
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Q:Will the FlyCovered policy cover me to fly other drones?
A:No, you are only insured to fly the drone shown on your Schedule and Certificate Of Insurance. Addition drones can be added at anytime.
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Q:Do you insure racing drones?
A:Yes we cover racing drones but only if they are being used for commercial use. We do not provide cover for any drone or pilot for racing or competitive use. As racing drones are normally used with FPV equipment goggles etc, operators and pilots must be aware of and adhere to the current laws and regulations around using any FPV equipment for cover to be in place during a flight using any FPV equipment.
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Q:Will a FlyCovered policy cover me to fly other drones?
A:No, you are only insured to fly the insured drones shown on your Certificate Of Insurance.
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Q:How many drones can I insure on a FlyCovered policy?
A:We can quote on and cover a maximum of 10 drones on one policy.
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Q:Can I have more than one drone in the air at anytime?
A:Yes but you need to have informed us of the maximum number of drones that will be in the air at one time during the application process. You should have also selected UAS Operators Indemnity to be added to your policy. This covers the third party liabilities of any qualified pilot authorised by you to operate the insured drone. This cover is required should you need to have additional pilots operating your drones.
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Q:Do you cover drones that are being used for racing or competitive use?
A:We do not offer any cover for drones or pilots if the insured drone is being used for racing or competitive use.
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Q:I have more than one drone insured on my policy, can I fly all of the drones on the same day?
A:Yes you can. PLEASE NOTE If you have stated on your application that only one drone is in the air at anytime you can only fly one drone at a time. If you need to fly more than one insured drone at the same time, this should have been declared during the application process or you need to notify us that you need cover for more than one drone in the air at the same time. The number of drones you are covered to fly at one time is shown on your insurance schedule.
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Q:How many drones can I insure on my policy?
A:We can cover up to 20 drone on one policy. You can add them at any time through your FlyCovered account.
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Q:Do you insure drones over 20KG?
A:Yes we do. You must have a current exemption from the CAA to fly any drone over 20KG. The maximum weight we insure is 30KG
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Q:Are there any drones that you are unable to insure?
A:Any single drone with a value over £250,000. A drone which has a Maximum Take-off Weight (MTOW) over 30KG. Operators of unmanned aircraft over 20 kg are required to apply for and have a valid exemption from the CAA to be covered under this policy.
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Q:Whats a CAA recognised NQE?
A:This is a National Qualified Entity (NQE) that is recognised by the CAA and operates on behalf of the CAA in training and examining drone operators who want to obtain a Permission for Commercial Operations (PfCO). A list of all the CAA recognised NAMEs in the UK can be found on their CAA Drones Guidance page.
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Q:Do I have to name additional pilots on my policy?
A:No that's not a requirement. We cover any qualified pilot who is named in your operations log. You must select and pay for Operators Indemnity cover for unlimited qualified and authorised pilots to operate your drones.
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Q:Am I insured to fly my drones at night?
A:Although we do not exclude you from operating at night, you are required to comply with the local/national aviation regulations and have the correct procedures in place and noted in your operation manual, and have any permits or extended permissions if required.
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Q:What functions can I carry out in my FlyCovered account?
A:We have developed FlyCovered so you can manage your account 24/7 online at a time that suits you. You can manage every aspect of your account online from adding or removing drones or pilots, to changing your personal details. You can also buy and book Insured Flying Days if you have a Pay As You Fly+ policy.
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Q:If I add a new drone to my Pay As You Fly+ policy will it be allocated 30 Insured Flying Days?
A:No. The Insured Flying Days are allocated to the policy and are for use on all drones.
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Q:When I purchase a FlyCovered Pay As You Fly+ policy with more than one insured drone, will each drone receive 30 Insured Flying Days?
A:No 30 Insured Flight Days are allocated to the policy for use across all insured drones.
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Q:What cover is provided on Insured Flying Days?
A:When you have booked an Insured Flying Day your drones and detachable payloads are covered in-flight for physical damage or loss, unintentional flyaways and mid-air collisions. Your Liability to third parties is also covered. Liability cover is available from £1 Million to £50 Million to cover claims made against you for accidental property damage or injury to a member of the public whilst you are operating your drone, cover includes noise complaints and invasion of privacy. With the Pay As You Fly+ policy you have 30 days in-flight cover included in your premium to use when you need them. If you start cover on the same day it will be in place until midnight that day.
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Q:What are the deductibles / excesses I will have to pay following a claim?
A:The policy has various deductibles. For claims relating to physical loss or damage to drones and equipment; you select the amount from 10% to 50% of the claim value. For public liability claims, invasion of privacy, noise liability and war and related perils you will pay £250. Should you select Cyber Extension Loss of Digital Assets, the deductible / excess is £250 each digital asset loss. In the event of an occurrence involving more than one deductible under public liability claims, then if beneficial to you, only one deductible shall apply being the highest deductible applicable to that occurrence.
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Q:Can I operate my Drone indoors?
A:Yes. We do not exclude the operation of drones indoors for commercial and own business use. You are required to have the correct competences and permissions to do operate the drone in the location. We do not cover indoor recreational use or indoor drone racing.The CAA advise the following: Indoor use Flights inside buildings have no impact on Air Navigation because they can have no effect on flights by aircraft in the open air. As a result, flights within buildings, or within areas where there is no possibility for the unmanned aircraft to �escape' into the open air (such as a �closed' netted structure) are not subject to air navigation legislation. Persons intending to operate Unmanned Aircraft indoors should refer to the appropriate Health and Safety at Work regulations.
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Q:Do I have to name all operators / pilots that will use my drone on my policy?
A: No, our policy covers the named business. You are not required to name any qualified additional pilots on the policy but they must be shown in your operations log and you need to have added Operators Indemnity to your policy. The FlyCovered policy will cover commercial operators / pilots who have a valid and current Flyer ID and Operator ID, hold the competencies, permission, licence or certificate legally required to perform commercial activities and are operating the insured drone within any local rules and regulations. This includes those operating drones for commercial consideration in the open categories A1 and A3 where A2CofC, GVC or other certification may not be required. Basically as long as the insured operator / pilot is flying the insured drone within the local rules and regulations and has any relevant competencies, permission, licence and certificate legally required to perform commercial activities that are required then our policy will cover them.
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Q:How many operators / pilots can I cover on my FlyCovered policy?
A:We do not have a limit. Our policy covers the business. If you have selected Operators Indemnity cover, any qualified pilot who has your permission to operate the insured drone is covered. We do have minimum requirements for additional pilots to be insured. From 31st December 2020 all of our policies will continue to cover current PfCO holders until they are phased out. In line with the new regulations we will cover commercial operators who have a valid and current Flyer ID and Operator ID, hold the competencies, permission, licence and certificate legally required to perform commercial activities and are operating the insured drone within any local rules and regulations. This includes those operating drones for commercial consideration in the open categories A1 and A3 where A2CofC, GVC or other certification may not be required. Basically as long as the insured operator / pilot is flying the insured drone within the local rules and regulations and has any relevant competencies, permission, licence and certificate legally required to perform commercial activities that are required then our policy will cover them.
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Q:What drone operators and pilots are you able to cover?
A:From 31st December 2020 all of our policies will continue to cover current PfCO holders. In line with the new regulations we will cover commercial operators who have a valid and current Flyer ID and Operator ID, hold the competencies, permission, licence and certificate legally required to perform commercial activities and are operating the insured drone within any local rules and regulations. This includes those operating drones for commercial consideration in the open categories A1 and A3 where A2CofC, GVC or other certification may not be required. Basically as long as the insured operator / pilot is flying the insured drone within the local rules and regulations and has any relevant competencies, permission, licence and certificate legally required to perform commercial activities that are required then our policy will cover them. Who do not have fault drone related claims paid and outstanding totalling more than £7,500 in the past 5 years. Have not had a single drone related claim over £5,000 in the past five years. Who have not had more than 2 drone related claims in the past 5 years. Drone businesses located in England, Northern Ireland, Scotland, Wales, the Isle of Man, the Island of Guernsey, the Island of Jersey or the Island of Alderney. Operators and pilots that will operate the insured drone in accordance with national and/or local regulations, and obtain any permits or extended permissions if required prior to any flight.
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Q:What policy add-ons are available?
A:The following Add-ons are available and shown in bold text. UAS Operators Indemnity. Covers the third party liabilities of any qualified pilot authorised by you to operate the insured drone. This cover is required should you need to have additional pilots operating your drones. Liability To UAS Operators. Covers your liability to any qualified drone pilot authorised by you to operate the insured drone excluding, employers' liability insurance. Cyber Extension Loss of Digital Assets. This covers the costs you incur for the loss of digital assets as a direct result of damage, alteration, corruption, distortion, theft, misuse, or destruction of your digital assets directly caused by a computer virus, whether through malicious acts or non-malicious acts. The policy covers up to £10,000 each digital asset loss Strikes, Malicious Acts And Hi-jacking. This covers any physical loss of, or damage to, drone and equipment following: strikes, malicious acts or hi-jacking. Alternative Hire Costs.This covers any reasonable costs and expenses for hiring an alternative drone to complete any previously agreed contracts following loss or any physical damage to the drone. The policy covers a maximum period of 30 days hire or when hire costs reach £1,000 whichever occurs sooner Buy Additional insured Flying Days (In-Flight Cover on Pay As you Fly Policies.If you use the 30 days Insured Flying Days included in your policy, you have the option to buy additional days if needed, we give you a fixed daily rate that's shown in your quote. No matter how many additional days you buy, you will never pay more than the annual policy we quoted you.
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