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. Found In Pay As You Fly + Frequent Flyer |
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. Found In Pay As You Fly + |
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. Found In Pay As You Fly + Frequent Flyer |
Q: | What is covered under drone spares? |
A: | All equipment owned by you and designed to be fitted to or form part of the drone and ancillary equipment exclusively associated with the activities covered, including the ground control station and detachable payload.
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Q: | What are detachable payloads? |
A: | Any removable and/or interchangeable equipment from the UAS shown in the schedule that is used for photography/filming, thermal scanning or other types of survey. Such equipment is additional to the UAS and counted outside of the weight of the UAS itself. 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: | Can I use any equipment with an internet connection to book Insured Flying Days or manage my account? |
A: | Yes you can. The equipment must have the latest browsers installed. Older browsers have security issues and our system will not operate on them. You can also use your iPhone. Found In Pay As You Fly + |
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. Found In Pay As You Fly + Frequent Flyer |
Q: | Who do I contact if I am having issues using the FlyCovered site and my account? |
A: | Sorry to hear that you are having problems. Please check the equipment you are using has the latest browser installed. We only use the latest browsers for security reasons. Also try rebooting your equipment. If you are still having issues please contact our Customer Service Team they will be pleased to assist, they can be contacted on 0208 059 8542 lines are open 9am to 5pm, Monday to Friday. If you prefer, you can email us at [email protected]. Found In Pay As You Fly + Frequent Flyer |
Q: | What is the Maximum Takeoff Weight (MTOW) of a drone you can insure? |
A: | The Maximum Takeoff Weight (MTOW) of an drone we can offer insurance for is 30KG. Operators of unmanned aircraft over 20KG are required to apply for and have a valid exemption from the CAA to be covered under this policy. Found In Pay As You Fly + Frequent Flyer |
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. Found In |
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. Found In Pay As You Fly + Frequent Flyer |
Q: | What is classed as non-detachable payloads? |
A: | Any equipment used for photography/filming, thermal scanning or other types of survey, which forms an integral part of the UAS and is not intended to be removed from the UAS. Found In Pay As You Fly + Frequent Flyer |
Q: | Can I have an agreed value on my drone and equipment? |
A: | We do not offer agreed value policies.
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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. Found In Pay As You Fly + |
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 Found In Pay As You Fly + Frequent Flyer |
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. Found In Pay As You Fly + Frequent Flyer |
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. Found In Pay As You Fly + Frequent Flyer |
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: | 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. Found In Pay As You Fly + |
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. Found In Pay As You Fly + Frequent Flyer |
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. Found In Pay As You Fly + Frequent Flyer |
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. Found In Pay As You Fly + Frequent Flyer |
Q: | Are FlyCovered policies EC 785/2014 compliant? |
A: | Yes. All of our policies are EC785/2014 compliant and comply with CAA requirements to operate a drone commercially or for your own business use. They offer the current minimum public liability requirement as standard, this cover can be increased up to a maximum £50,000,000. Found In Pay As You Fly + Frequent Flyer |
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. Found In Pay As You Fly + |
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: | 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. Found In Pay As You Fly + Frequent Flyer |
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. Found In Pay As You Fly + Frequent Flyer |
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. Found In Pay As You Fly + Frequent Flyer |
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. Found In |
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. Found In Pay As You Fly + |
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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Call us on 020 8059 8542
Lines open 9am to 6pm, Monday to Friday.