GOT A QUESTION?

Question : after a claim

Q:What do you class as a fault claim?
A:A fault claim is where your insurer has made or will be making a payment to you or a third party following an incident or accident.
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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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Q:What do I need to do following an incident that could result in a claim under my policy?
A:Following any incident that you think could lead to a claim on your policy, we ask you to contact our loss adjusters Leading Edge Assist as soon as practically possible. Their contact details are:- Leading Edge Assist, Ibex House, Baker Street, Weybridge, Surrey, KT13 8AH. 24 hour telephone line 0333 370 8105. You will need to provide them with your policy number and the drone serial number, full particulars of the event, the subject of a claim with any letters or documents relating to it, give notice of any impending prosecution or civil action, provide such further information and assistance as we may reasonably require, not act in any way to the detriment of or prejudice our interest. If it's a claim against you, we ask that you do not give any admission of liability, payment, offer or promise of payment without our written consent.
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Q:Who do I contact if I have need to make a claim?
A:If you have a claim we request you contact our 24 hour helpline immediately. Contact details are:- Leading Edge Assist, Ibex House, Baker Street, Weybridge, Surrey, KT13 8AH. 24 hour telephone line: 0333 370 8105.
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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 third party liability claim?
A:The deductible / excess you will pay on each third party liability claim or occurrence is £250
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Q:Do you offer a No Claim Discount on FlyCovered Policies?
A:No this is not offered.
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Q:What is a deductible?
A:This is also known as the policy excess. It is the amount that is paid by you and is deducted from each claim or occurrence and is shown in the insurance schedule you receive when you purchase a policy.
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Q:How can I pay for my policy?
A:We offer 2 payment options. You can pay the annual premium in full using a Credit or Debit card, or use our interest free payment plan. If you select the payment plan we will ask you for a deposit to be paid from your Credit or Debit card. You then pay the outstanding amount over 10 months from your bank account by Direct Debit. The options are offered to you at the end of the application process. Should you have a claim we will require you to pay any outstanding premium in full.
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Q:Can I pay my premium in monthly instalments?
A:Yes. We offer 2 payment options. You can pay the annual premium in full using a Credit or Debit card or use our interest free payment plan. If you select the payment plan we will ask you for a deposit to be paid from your Credit or Debit card. You then pay the outstanding amount over 10 months from your bank account by Direct Debit. The options are offered to you at the end of the application process. Should you have a claim, we will require you to pay any outstanding premium in full.
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Q:Can I cancel a FlyCovered policy at anytime and will I receive a return premium?
A:You can cancel any FlyCovered policy at anytime by notifying the administrator. If you cancel your policy before the start date, the premium paid by you will be returned in full. If you cancel during or after the cooling off period, the return premium due to you will be calculated at a proportional daily rate, depending on the number of policy days you have remaining. If you are cancelling after a renewal, we will not return any premium for Insured Flying Days rolled over from an expiring Pay As You Fly+ policy. If you have made a claim the full premium is due. Cancellation after the policy start or renewal date is subject to a £25 administration fee. Full cancellation terms are available in the policy wording and our Terms of Business and Conditions.
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Q:How do I renew my FlyCovered policy?
A:We will email your renewal invitation to you, at least 21 days before your policy renewal date, to the email address you have provided. This will show the details of your premium for the coming year, the premium you paid the previous year and a selection of policy options and premiums. The email will have instructions on how to renew your policy. It will inform you how to retrieve your existing details, you will need to confirm or amend them. Should you make any changes, we will tell you whether we are able to accept the change and if the change will result in revised renewal terms at the end of the process. If you do not inform us about a change it may affect any claim you make, or could result in your insurance being invalid. Should you have any questions please contact our Customer Services Team, 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] or write to: FlyCovered Covered Insurance PO Box 581 Grays RM17 9QU. The policy will not renew automatically, even if you are on direct debit. You must follow the renewal process in the email.
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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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