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Question : insurance certificate

Q:What is my Certificate of Insurance?
A:As a drone operator or pilot you are required to have, and be able to prove, that you hold the minimum level of liability insurance required for your drone. The insurance certificate document provides this proof. When you purchase an annual policy we will send you an annual Certificate of Insurance. Should you select a Pay As You Fly+ policy, we will send you a Certificate of Insurance for each period of insurance you book. We will also send you a new Certificate of Insurance should you make any changes to your policy. It is recommended that you carry your Certificate of Insurance when you are intending to operate your drone, should a CAA inspector, customer or the Police require proof of cover. A copy is always available in your FlyCovered account.
Found In  Pay As You Fly + Frequent Flyer
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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Q:I have a Pay As You Fly policy. Where do I find my certificate of insurance when I have booked a day?
A:We email your documents to the email address you have provided and they should be with you in a few minutes. If they haven't arrived please check your junk folder. A copy of your certificate is always available in your FlyCovered account and you can download it from there at anytime. Log into your account and select MANAGE MY POLICY, select My Dashboard, your Certificates and Schedules are located here, click on any of the documents you would like to view or download. You can also click on the day you have booked in your calendar to view or download the certificate of insurance for that day.
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Q:I haven't received my certificate of insurance or schedule where can I find them?
A:We email your documents to the email address you have provided, they should be with you in a few minutes after you have purchased a policy or booked a days cover. If they haven't arrived please check your junk folder. A copy of your certificate is always available in your FlyCovered account and you can download it from there. Log into your account and select MANAGE MY POLICY, select My Dashboard, your Schedules and Certificates are located here, click on any of the documents you would like to view or download. If you have a Pay-As-You-Fly policy, you can also click on any day you have booked to view or download the Certificate for that day.
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Q:Where can I get a copy of my insurance certificate or schedule?
A:A copy of your certificates and schedules are always available in your FlyCovered account. Log into your account and select MANAGE MY POLICY, select My Dashboard, your Certificates and Schedules are located here, click on any of the documents you would like to view or download. If you have a Pay-As-You-Fly policy; you can also click on any day you have booked to view or download the certificate for that day.
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Q:What timezone is used on the FlyCoverd policies?
A:All references to 00.00 Hours and 23.59 Hours in the policy including the endorsements that form part of this policy shall be on Local Time At Your Address. This is the address shown on your Certificate of Insurance and your Insurance Schedule.
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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: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: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 I add an additional drone to my policy?
A:Yes, no problem. Log into your account. Go to MANAGE MY POLICY and simply follow the instructions. When payment is received we will send you confirmation of the new drone. You will receive a new Schedule and Certificate of Insurance showing the additional drone, please check the details on the documents are correct.
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Q:What is the Policy Wording?
A:This policy wording document along with your Schedule, Certificate of Insurance and any endorsements, make up your policy. You should read these documents carefully and make sure that they meet your needs. It is important that: you check that the sections of coverage you have requested are included in this policy; you comply with your duties under each section and under this policy as a whole. You should regularly review your cover to ensure that it is adequate and continues to meet your needs. You can access your insurance documents through your FlyCovered account www.flycovered.com. To log in to your account you will require your account password, your postcode and your email address. A copy of all FlyCovered policy wordings are available on the website in the HELP CENTRE.
Found In  Liability only Pay As You Fly + Frequent Flyer
Q:What is a CAA recognised RAE?
A:From 31st December 2020 NQE becomes RAE Approved Drone Training providers will become a RAE (Recognised Assessment Entity) as opposed to NQE's and provide two main qualifications. CofC (Certificate of Competency) for operations within the OPEN category. Or a GVC (General VLOS Certificate) which is used to apply for a Operational Authorisation (Similar to a PfCO) for operations within the SPECIFIC category.
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Q:Who are Covered Insurance Services?
A:The team who developed the FlyCovered Platform and policies have over 40 years experience in IT and Insurance. They are leading innovators in On Demand Insurance. Using the latest technology they have removed the dated and complicated processes' associated with insurance.
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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: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: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:How do i add a drone to my policy?
A:This is quite easy. Log in to your FlyCovered account. Select MANAGE MY POLICY. Select Manage Drone and follow the instructions. If the drone is acceptable and you wish to add it to your policy, select Update My Policy. When payment is received we will email you confirmation of the change with a new Schedule, please check the details are correct. When you book Insured Flying Days, the Certificate of Insurance will show the new drone details; please check they are correct.
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Q:Am I covered to practice my drone skills?
A:If you meet the requirements to purchase a FlyCovered drone policy as a commercial operator or own business user, you are covered to use the drone for the purpose of maintaining your skill and proficiency of the insured drone, we call this continuation flying. The policy covers you whilst participating in 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:Whats Insurance Premium Tax or IPT?
A:Insurance Premium Tax (IPT) is a government tax on most insurance premiums.
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Q:Does the policy cover me to practice my drone flying skills?
A:Yes. As a commercial operator or own business user you are covered to use the drone for the purpose of maintaining your skill and proficiency of the insured drone, we call this continuation flying. The policy also covers you whilst participating in a drone training course/school/academy. We do not cover recreational use. 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 security do you have on your site?
A:For your online protection we use Extended Validation Certificate the highest �class' of SSL (Secure Sockets Layer) available.
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Q:How do I know the number of policy days I have remaining on my Pay As You Fly+ policy to use my Insured Flying Days?
A:The days remaining on your policy are always shown in your FlyCovered account. Log into your FlyCovered account and select FLIGHT PLANNER. You will find them in the bar above the calendar, along with the number of Insured Flying Days you have remaining in your account and the policy days you have remaining to use them. The remaining number of policy days and Insured Flying Days are also shown on your latest Certificate of Insurance and in the the My Documents section of Manage My Policy.
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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:What activities are covered under FlyCovered policies?
A:You are covered for business use and or commercial activities as defined by the CAA including continuation flying. We class business use as your use of the drone in the usual course of your work and/or work duties and not for remuneration or other valuable consideration. Commercial use is your use of the drone for the benefit of third parties, in exchange for remuneration. You are also covered for continuation flying. This is 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: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 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: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:Can I use a FlyCovered policy to apply for my PfCO renewal?
A: In part of a PfCO renewal, you need to demonstrate that you have compliant insurance that covers commercial use. All FlyCovered policies are EC/7852014 compliant and can be used as proof of insurance. They can be downloaded from your FlyCovered account if required.
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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: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:How do I view or download copies of my documents?
A:You can do this from the welcome email or from your FlyCovered account. Log into your account and select MANAGE MY POLICY, select My Dashboard, your Schedules and Certificates are located here, click on any of the documents you would like to view or download. If you have a Pay As You Fly+ policy, you can also click on any day you have booked to view the Schedule and Certificate for that day.
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Q:How do I get copy of my FlyCovered policy wording and the Insurance Product Information Document (IPID)?
A:You can view or download all of the FlyCovered policy wordings and Insurance Product Information Document (IPID) directly from the FlyCovered website in the HELP CENTRE. Go to the HELP CENTRE from the menu bar and they are on the right hand side. As we offer 3 drone policies, make sure you review the document relevant to your policy or the policy you are thinking of purchasing. We will also send you a copy in your welcome email when you purchase a policy.
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Q:What is annual aggregate?
A:The total amount the insurer will pay as claims under this policy during the period of insurance
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Q:How old do I need to be to take out FlyCovered policy?
A:We are unable to offer insurance to anybody who does not meet the CCA requirements to operate a drone commercially.
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Q:Who do I contact if I wish to make a complaint?
A:Sorry to hear you may have a problem. It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service, you should contact us immediately using the following contact details. Our Customer Service Team 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. We will provide a summary of our complaints handling procedures, should you make a complaint that we cannot resolve informally and at any other time, upon your request. The full complaints procedure is detailed in the CONTACT US section of the website, the policy wording and the Insurance Product Information Document, available on the FlyCovered website in Compare Policies and sent to you in your FlyCovered welcome pack.
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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 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 is the period of insurance?
A:This is the length of time for which the FlyCovered policy is in force, from the start date until the expiry date, as shown in the schedule and for which you have agreed to pay a premium.
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Q:What drone businesses / operators can you insure?
A:We can offer insurance to drone operators / businesses that hold a valid Permission for Commercial Operation (PfCO).
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Q:What is Liability To Drone Operators cover?
A:This covers your liability to any qualified drone operator authorised by you to operate the insured drone excluding employers' liability insurance.
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Q:What are policy days?
A:These are all the days that make up the period of insurance on a Pay As You Fly+ policy.
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Q:Who is the insurer for FlyCovered policies?
A:The insurer for FlyCovered policies are through Lloyds Of London. Tokio Marine Kiln Syndicates Limited (Syndicate 510 at Lloyd's) Address: 20 Fenchurch Street, London EC3M 3BY. They are market leading drone underwriters.
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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.
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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: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: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:Do I receive a new Insurance Schedule when I buy additional Insured Flying Days?
A:We issue a new Schedule showing both the additional and the total number of Insured Flying Days you have available, and the policy days you have remaining to use them.
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Q:Who can I contact if I have any questions about my policy?
A:Please look in our Help Center and the FAQs linked to your policy first, you can type in a question and we will look for your answer. We have tried to cover any question or problem you may have regarding your policy or using your account. If you are unable to find your answer you can contact our Customer Service Team who will be pleased to assist you. 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. 242 5104.
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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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