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Question : Damage

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: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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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 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: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: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: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 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: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: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: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 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: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 select the amount of deductible / excess you wish to pay towards any theft, loss or physical damage claim you make relating to your drone or equipment. During the quote process we offer you a choice of policy excess / deductible that you will pay. If you select a 10% deductible you will pay the first 10% of any claim or occurrence. IE if you have a £1,000 claim you will pay £100 towards the claim. If you select a higher deductible you will receive a discount on your premium but pay a higher percentage towards each claim or occurrence. Other sections of your policy have a fixed deductible / excess and they are shown in the schedule we send to you.
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