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Question : loss of drone

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: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: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'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 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: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: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 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 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: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:Do I have to own the drone I am insuring?
A:No. You can insure a drone owned by someone else but you must have a hiring agreement with the owner of the drone and the drone must be added to the policy through your FlyCovered account.
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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: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:How do I remove a drone from my policy?
A:Removing a drone is quite easy. Log into your FlyCovered account select MANAGE MY POLICY, select Manage Drone, select Edit Existing Drone next to the drone you wish to remove, select Remove Drone at the foot of the page, a drop down will appear, type YES and select Proceed. We will show any return premium due to you, select UPDATE POLICY to complete the change. The drone will no longer be insured at this stage. We will email you confirmation of the change with a new Schedule, please check the details are correct.
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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:Can I amend the details of the drone insured on my policy?
A:Yes you can, as long as you are not changing the drone. If you are changing the drone you must follow the add new drone process. To make changes to the drone, log in to your FlyCovered account. Select MANAGE MY POLICY, select Manage drone, select Edit Existing drone and follow the instructions. If the change is acceptable we will advise you of any additional or return premium due. If you wish to make the change select UPDATE POLICY, we will then email new documents to you. Please check the documents are correct and show the requested changes.
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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 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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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 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 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: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:What do you class as a Drone, UAS or UAV?
A:This is any unmanned aircraft owned by you or utilised under your care, custody, possession or control which is operated remotely without any on-board pilot, for which you are legally responsible, as shown in the schedule of drone. Drone includes any non-detachable payload and/or detachable payload where applicable and/or tethered aerostats but excludes kites.
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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: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:Do you cover recreational / hobby users?
A:No we do not cover recreational / hobby users. This is a commercial drone insurance policy. The policy covers you for commercial use (when you are receiving remuneration from a third party for providing drone services) or for your own business use (where you are using the drone in connection with your own business and not receiving remuneration for operating the drone).
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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:What is drone Operators Indemnity cover?
A:This covers the third party liabilities of any qualified drone operator authorised by you to operate the insured drone.You should add UAS Operators Indemnity to your policy if you need to cover the third party liabilities of any qualified pilot authorised by you to operate the insured drone.
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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: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.
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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: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 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: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.
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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:My drone business is located outside of the UK can I buy a FlyCovered policy?
A:Unfortunately we can only cover drone businesses located in England, Northern Ireland, Scotland, Wales, the Isle of Man, the Island of Guernsey, the Island of Jersey and the Island of Alderney.
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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:Does the policy have any exclusions regarding the use of the drone?
A:Yes. We will not cover any drone that will be used for racing or for any competition use. We do not cover recreational or hobby users. Please read the policy wording for a full list of exclusions.
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Q:When I purchase a Pay As You Fly policy with more than 1 drone on the policy are 30 days allocated to each drone.
A:No. The 30 days are allocated to the policy. You can fly one or all of the insured drones on the booked insured flying day upto the maximum number in the air at one time selected in the application process.
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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 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.
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Q:What do you class as business use?
A:Operators are using the insured drone for their own business use as defined by the CAA (Work is NOT performed under a contract between an operator and a customer, in return for remuneration or other valuable consideration). Example of business use. A farmer using a drone to spray or check his own crops or livestock. If you are unsure of the use you require please contact the CAA or the CAA website may have the information you may need. You can also contact our Customer Service Team who may be able to help.
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Q:Can I operate my Drone indoors?
A:Yes. We do not exclude the operation of drones indoors for commercial and own business use. You are required to have the correct competences and permissions to do operate the drone in the location. We do not cover indoor recreational use or indoor drone racing.The CAA advise the following: Indoor use Flights inside buildings have no impact on Air Navigation because they can have no effect on flights by aircraft in the open air. As a result, flights within buildings, or within areas where there is no possibility for the unmanned aircraft to �escape' into the open air (such as a �closed' netted structure) are not subject to air navigation legislation. Persons intending to operate Unmanned Aircraft indoors should refer to the appropriate Health and Safety at Work regulations.
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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: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: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 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: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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