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Question : ACCIDENTAL DAMAGE DURING FLIGHT

Q:What's in-flight cover on a Pay As You Fly+ policy?
A:When you book an Insured Flying Day your drone and payloads are covered in-flight for physical damage or loss, unintentional flyaways and mid-air collisions. Your liability to third parties is also covered for any 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.
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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:Is Pay-As-You-Fly a traditional drone insurance policy?
A:No, You have all the benefits of an annual policy you just add in-flight cover when you need it. All of your equipment is covered for theft and accidental damage, either in-transit or storage around the clock, you add in-flight cover online when you need it. The policy includes 30 days in-flight cover to use on the days you are flying. You can purchase additional in-flight cover at a fixed daily rate (not hourly) as you need it.
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Q:Does Pay As You Fly+ cover my equipment out of flight?
A:Yes, all of your equipment is covered out of flight 24/7 for theft and accidental damage, either in-transit or storage around the clock. Other providers of Pay As You Fly or On Demand drone insurance may only cover your equipment on the days you have booked insurance cover.
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Q:Can I use a FlyCovered Pay As You Fly+ policy to take my flight assessment exam?
A:Yes. All of our policies are EC/7852014 compliant and cover your third party liability during a flight assessment with a CAA recognised NQE. Our Annual and Pay As You Fly+ policies will also cover your equipment and the drone when in-flight for physical loss or damage.
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Q:Can I use a FlyCovered Annual policy to take my flight assessment exam?
A:Yes. All of our policies are EC/7852014 compliant and cover your third party liability during a flight assessment with a CAA recognised NQE. Our Annual and Pay As You Fly+ policies will also cover your equipment and the drone when in flight for physical loss or damage.
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Q:Can I use a FlyCovered Liability Only policy to take my flight assessment exam?
A:Yes. All of our policies are EC/7852014 compliant and cover your third party liability during a flight assessment with a CAA recognised NQE. Our Liability Only policy does not offer any cover for equipment or for physical loss or damage to the insured drone. If you require cover for your equipment you will need to purchase our Pay As You Fly or our Annual Drone insurance policy.
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Q:What is classed as a total loss?
A:Any physical damage to the drone where in the reasonable opinion of the insurer: (a) the drone is damaged to such an extent that it cannot economically be repaired; or (b) the cost of repairing the drone is estimated to exceed the insured value; or (c) the drone cannot be located 14 days after: (i) the commencement of flight and arising from the activities covered; or (ii) the date on which the theft was reported to the insurer.
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Q:Does the policy cover noise liability?
A:Yes this is covered. It covers claims for bodily injury and/or property damage arising from the noise of the drone whilst in flight, for which an official noise complaint is lodged with a national/state/municipal authority and a legal order is levelled against you by such national/state/municipal authority. The policy limit on this is £2,500
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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 Hijacking. This covers any physical loss of, or damage to, drone and equipment following: strikes, malicious acts or hijacking. 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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Q:Who do I contact if I have need to make a claim?
A:How To Make a Claim To start the claim process please provide the following information by Email to: [email protected] Or Call 0333 370 8105 available 24 hours a day, 365 days a year. The loss adjuster will need: Your Contact Details Your Policy Number. The Date of the incident. Aircraft Registration. Particulars of the incident and the subject of the claim. Pilots details We suggest collating the following additional information for the loss adjuster to avoid any delay in completing your claim. Any log books, or other records in connection with the aircraft, pilots and the insured flight. Proof of valid qualifications you hold. Any police crime reference number following a theft or malicious damage to any aircraft or equipment. Following any claim: Do not make any admission of liability, offer, or promise payment without written consent from the loss adjuster. Contact the police immediately regarding any theft or malicious damage. Do not act in any way to the detriment of or prejudice the interest of your insurers. Inform the loss adjuster immediately of any letters or documents relating to the claim; or notice of any impending prosecution or civil action you may receive. Do not agree to any replacement or repair of items without written agreement from the loss adjuster. The loss adjuster or the insurer reserves the right to request additional documentation or information as required. Note: To avoid any delays or issues with your claim, please ensure you provide any requested information and supporting documents. The loss adjuster can only process your claim efficiently once they have everything they need. The more detail and evidence you provide, the smoother and faster the process will be.
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Q:What do I need to do following an incident that could result in a claim under my policy?
A:How To Make a Claim To start the claim process please provide the following information by Email to: [email protected] Or Call 0333 370 8105 available 24 hours a day, 365 days a year. The loss adjuster will need: Your Contact Details Your Policy Number. The Date of the incident. Aircraft Registration. Particulars of the incident and the subject of the claim. Pilots details We suggest collating the following additional information for the loss adjuster to avoid any delay in completing your claim. Any log books, or other records in connection with the aircraft, pilots and the insured flight. Proof of valid qualifications you hold. Any police crime reference number following a theft or malicious damage to any aircraft or equipment. Following any claim: Do not make any admission of liability, offer, or promise payment without written consent from the loss adjuster. Contact the police immediately regarding any theft or malicious damage. Do not act in any way to the detriment of or prejudice the interest of your insurers. Inform the loss adjuster immediately of any letters or documents relating to the claim; or notice of any impending prosecution or civil action you may receive. Do not agree to any replacement or repair of items without written agreement from the loss adjuster. The loss adjuster or the insurer reserves the right to request additional documentation or information as required. Note: To avoid any delays or issues with your claim, please ensure you provide any requested information and supporting documents. The loss adjuster can only process your claim efficiently once they have everything they need. The more detail and evidence you provide, the smoother and faster the process will be.
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Q:What is Strikes, Malicious Acts and Hijacking cover?
A:This covers any physical loss of, or damage to, your drone and equipment following: strikes, malicious acts or hijacking.
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Q:What is Alternative Hire Costs cover?
A:This covers any reasonable costs and expenses you may have for hiring an alternative drone to complete any previously agreed contracts following physical damage to the drone. Cover is for a maximum period of 30 days or when hire costs reach GBP 1,000 each occurrence, whichever occurs sooner.
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Q:What are Insured Flying Days?
A:Insured Flying Days are the days when the drone is covered for in-flight risk. These days must be selected and booked through your FlyCovered account before you are insured for any in-flight risks.
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Q:How do I book an Insured Flying Days on a Pay As You Fly+ policy to cover my drone in-flight?
A:You book them through your FlyCovered account, it takes two minutes. Log into your account and go to FLIGHT PLANNER. The days you can book are shown in green on the calendar. Click on the day you need in-flight cover, a booking screen will appear. Enter your PIN and select BOOK to confirm the booking. When you have booked Insured Flying Days you will receive a Certificate of Insurance by email; this will confirm the drone and the time and date you are insured for in-flight cover. A drone icon will be shown on the days you have booked. If you need to insure consecutive days repeat the process.
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Q:How do I cancel a booked Insured Flying Day and in-flight cover?
A:If your flight has been cancelled you can cancel that day before 23.59 (Hours Local Time At Your Address) the day before you intended to fly. Log in to your account. Go to FLIGHT PLANNER in the menu bar. The booked days you can cancel are shown in amber on the calendar. Click on the day you need to cancel, a booking box will appear, select cancel. You will need to enter your PIN to confirm the cancellation. The drone icon for that day will be removed, your insurance for that day is then cancelled and your FlyCovered account credited with that day.
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Q:I have a Pay As You Fly policy. Do you issue a cover note to show that I have access to in-flight insurance on a Per Flight Basis as required by the CAA on a PfCO application and renewal.
A:When you purchase a Pay As You Fly policy we issue a Schedule Of Insurance. This document shows the cover you and equipment insured and states that you have access to in-flight insurance on a Per Flight Basis. You may be asked this on your PfCO renewal.You can continue to renew your PfCO like normal up until 1st January 2024. After this date you will need to hold a GVC qualification. We suggest you always look at the CAA website to make sure you understand PfCO renewal requirements.
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Q:What is Cyber Extension Loss of Digital Assets cover?
A: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. Cover under this section is £10,000 each digital asset loss. The deductible / excess is £250 each digital asset loss and in the annual aggregate.
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Q:Who is classed as a drone operator or pilot?
A:The person who at all times directly manipulates the flight controls of the drone and exercises direct authority over the initiation, continuation, diversion or termination of the drone flight, excluding observers employed by you.
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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:What is the deductible / excess I will have to pay towards any claim or occurrence relating to my drone or equipment?
A:You can choose the amount of deductible (also known as an excess) you are willing to pay towards any theft, loss, or physical damage claim relating to your drone or equipment. During the quotation process, you will be offered a range of deductible options. If you select a 10% deductible, you will pay 10% of the value of the equipment involved in any claim or incident. For example, if your drone and/or payload is insured for £1,000 you would pay £100 towards a claim involving that equipment. This deductible applies only to equipment claims and does not apply to liability claims. Choosing a higher deductible will reduce your premium, but you will pay a larger share of each claim or incident. Other sections of your policy may have fixed deductibles, which are clearly shown in the schedule we provide to you.
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Q:What are free Insured Flying Days and in-flight cover?
A:Free Insured Flying Days are part of our Premium Guarantee. If your premium spend, including the purchase of any Insured Flying Days, equals or is more than the annual drone premium we quoted you when you purchased your Pay As You Fly+ policy, we automatically credit your FlyCovered account with FREE Insured Flying Days until your policy renews. This is activated if you need to buy an additional 30 Insured Flying days. You will still need to book Insured Flying Days to add in-flight cover through your Pay As You Fly+ account but you won't be charged for these days.
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Q:If I have a Pay As You Fly+ policy and I forgot to book an Insured Flying Day, can I backdate cover?
A:No, this is not possible. With a Pay As You Fly+ policy you must book an Insured Flying Day before any flight to be covered for flight risk. No cover can be backdated.
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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:How do I cancel booked Insured Flying Days on a Pay As You Fly+ policy?
A:Log in to your account. Go to FLIGHT PLANNER in the menu bar. The booked days you can cancel are shown in amber on the calendar. Click on the day you need to cancel, a booking box will appear, select cancel. You will need to enter your PIN to confirm the cancellation. The drone icon for that day will be removed, your insurance for that day is then cancelled and your FlyCovered account credited with that day. For your FlyCovered account to receive a credit for the cancelled day, you must cancel it before 23.59 Hours (Local Time At Your Address) the day before you intended to fly.
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Q:Can I book in-flight cover on the same day I want to fly?
A:Yes, but the cover will end at 23:59 Hours (Local Time At Your Address) that day.
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Q:Who can fly or operate my drone?
A:Our policy covers the business and any qualified pilot who has your permission to operate your drone is insured under the policy. Operators Indemnity must have been selected and added to your policy for this cover to be included. We do have minimum requirements for additional pilots to be insured. For commercial use (you are receiving remuneration) operators as a minimum requirement must have successfully completed a flight assessment with a CAA recognised National Qualified Entity (NQE). Where the activities covered are for own business use (not receiving any remuneration) as a minimum requirement pilots must have a minimum of 10 hours drone flying experience or completed a flight assessment examination, with a CAA recognised National Qualified Entity (NQE). Full details are available in your policy wording. These are available in the welcome email we sent to you when you purchased your policy or on the flycovered website under FAQs in the menu bar.
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Q:What is classed as a flight or flights?
A:Occurs from the time the drone is switched on, attempts to take off, whilst in the air, and until the drone completes its landing and is powered down.
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Q:What is the minimum and maximum number of Insured Flying Days I can book on an Pay As You Fly+ policy?
A:The minimum term is one day, cover will end at 23:59 Hours (Local Time At Your Address) on the booked day. The maximum term is the number of Insured Flying Days you have available on your account. If you book a period of continuous days, cover will end at 23:59 Hours (Local Time At Your Address) on the last day. Should you book one day on the same day you need flight cover for, cover will end at 23:59 Hours (Local Time At Your Address) the same day.
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Q:Can I get covered immediately after accepting my quote?
A:Yes you can. Instant cover is available on all of our policies. If you have a Pay As You Fly+ policy you will need to book an Insured Flying Day to have in-flight cover.
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Q:Insurance details for online PfCO renewal until phased out. What do I need to show?
A:CAA ask the following questions in bold during the PfCO application. Insurer : Your Insurer is:- Tokio Marine Kiln through FlyCovered. Is the insurance continuous for all flights or arranged on a per flight basis? If you have a Pay As You Fly policy your answer is Per flight only basis. If you have an Annual Policy or a Liability Only Policy your answer is Continuous. Does the insurance document explicitly confirm cover for any UAS operated by the applicant or that the policy is limited to specifically identified UAS? Your answer should be:- Specific identified UAS. Are all UAS listed in the Operations Manual included in the insurance? You can answer this yes if all UAS shown in your Operations Manual are insured under this policy and shown on your Schedule of insurance. Does the insurance document state the �policy name' exactly as stated in the Applicant Details at the start of this application form? Please make sure the name on the insurance is the exact name shown on your PfCO application or your application may be returned and a fee charged by the CAA. Does the insurance policy explicitly confirm compliance with EC 785/2004? You can answer this question Yes, EC 785/2004.You can continue to renew your PfCO like normal up until 1st January 2024. After this date you will need to hold a GVC qualification. We suggest you always look at the CAA website to make sure you understand PfCO renewal requirements.
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Q:Do you cover flights if the pilot is using First Person View (FPV) equipment?
A:Yes we do but on if the drone is being used for commercial use. 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 commercial flight using any FPV equipment.
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Q:What is the maximum value of a drone I can insure?
A:At the moment we can insure any single drone up-to £250,000 or any drone and payload up to £250,000 when in-flight.
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Q:Can I fly before booking an Insured Flying Day?
A:No, you must always book your Insured Flying Days before you start flying. You are only insured for in-flight cover after you have booked a day and you have received your certificate of insurance by email.
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Q:Can any pilot named in my operations manual book a day?
A:Not at the moment, this facility will be available soon. The person named as the insured on the Schedule has control of the drone flight planner. This will change soon and all named pilots will be able to book Insured Flying Days. You could give the operator your login details but we can't recommend you do that.
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Q:If I have a qualified pilot named in my operations manual will they be able to use the Insured Flying Days on my account?
A:Yes they will. The named policyholder has to book the Insured Flying Days days through the FlyCovered account before any in-flight cover is in place.
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Q:Does the policy cover invasion of privacy?
A:Yes it does. It covers the data collected from the drone whilst in-flight and subsequently made available to third parties without the consent of the party to whom the data relates, including any breach of confidentiality, infringement, or violation of any right to privacy, or of any statutes, laws and regulations associated with the confidentiality, access, control, and use of personally identifiable, non-public information. The policy limit on this is £2,500
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Q:Do you have any maximum hours any single insured drone can fly?
A:We do not have any daily restriction. We cover any single insured drone for 500 in-flight hours over a 12 month policy period. This works out to approximately 10 hours a week every week for a year. Should you need more 500 hours please contact our Customer Services Team.
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Q:How much will additional Insured Flying Days cost me if I need them?
A:The premium for each Insured Flying Day is calculated at a daily rate and is linked to your risk. The daily premiums will be provided with your quote and are always shown in your FlyCovered account.
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Q:What is hi-jack cover?
A:Hi-jack or any unlawful seizure or wrongful exercise of control of the drone in flight (including any attempt at such seizure or control without your consent). Hi-jack shall include hacking and spoofing that enables third parties to take control of the drone. Full details are available in your policy wording. These are available in the welcome email we sent to you when you purchased your policy or on the flycovered website under FAQs in the menu bar.
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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:If I have a Pay As You Fly policy, am I required to book a day for all drone flights?
A:Yes. If you have a Pay As You Fly policy you are only covered for in-flight risks when you have booked an Insured Flying Day through your FlyCovered account and received your Certificate of Insurance confirming the date and times you are covered. Full details are available in your policy wording. These are available in the welcome email we sent to you when you purchased your policy or on the flycovered website under FAQs in the menu bar.
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Q:What is classed as in-transit?
A:This is the carrying of the drone any equipment or drone spares from one location to another whilst packed in accordance with the relevant manufacturer's' guidelines, or the drone is in a securely locked and padded drone flight case and the drone spares are in a securely locked and padded drone spare parts case.
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Q:I have a Pay As You Fly+ policy, am I restricted to the hours I can fly on Insured Flying Days?
A:No. You can fly as many hours as you wish on Insured Flying Days.
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Q:How do I know the number of Insured Flying Days I have available on my Pay As You Fly+ policy?
A:The number of Insured Flying Days you have available are always shown in your FlyCovered account. Log on and select FLIGHT PLANNER, they are shown in the bar above your calendar. They are also shown on your latest Certificate of Insurance and in the the My Documents section of Manage My Policy. If you need more days you can purchase them by selecting BUY DAYS.
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Q:Where can I find the price of additional Insured Flying Days for my Pay As You Fly+ policy?
A:We will inform you of the daily rate when you receive your quote, you will also find the daily rate in your welcome pack when you purchase a policy and in your FlyCovered account.
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Q:What is liability cover to third parties?
A:This is the amount you are covered for should your drone be involved in an accident that involves and causes damages or injury to a third party property or person during flight. To operate a drone commercially the CAA require you to have the minimum legal requirement. All of our policies are EC 785/2014 compliant and offer the current minimum requirement, this can be increased up to a maximum £50,000,000. Full details of the cover and exclusions are available in the FlyCovered policy wordings.
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Q:What is continuation flying?
A:Your use of the drone outside the course of your business and commercial activities, for the purpose of maintaining your skill and proficiency of operation on the drone or whilst participating in or on a drone training course/school/academy. If you have a Pay As You Fly policy you are only covered for in-flight risks when you have booked an Insured Flying Day through your FlyCovered account and received your Certificate of Insurance confirming the date and times you are covered. Full details are available in your policy wording. These are available in the welcome email we sent to you when you purchased your policy or on the flycovered website under FAQs in the menu bar.
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Q:Do I receive a new Certificate of Insurance each time I book an Insured Flying Day?
A:Yes you do. We issue a separate Certificate of Insurance for each period of insurance you book on your Pay As You Fly+ policy. You are only covered for in-flight risks when you have booked an Insured Flying Day through your FlyCovered account and received your Certificate of Insurance confirming the date and times you are covered.
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