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Question : pilots

Q:Do I have to name additional pilots on my policy?
A:No that's not a requirement. We cover any qualified pilot who is named in your operations log. You must select and pay for Operators Indemnity cover for unlimited qualified and authorised pilots to operate your drones.
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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:Who can fly or operate my drone?
A:Our policy covers the business and any qualified pilot who has your permission to operate your drone is insured under the policy. Operators Indemnity must have been selected and added to your policy for this cover to be included. We do have minimum requirements for additional pilots to be insured. For commercial use (you are receiving remuneration) operators as a minimum requirement must have successfully completed a flight assessment with a CAA recognised National Qualified Entity (NQE). Where the activities covered are for own business use (not receiving any remuneration) as a minimum requirement pilots must have a minimum of 10 hours drone flying experience or completed a flight assessment examination, with a CAA recognised National Qualified Entity (NQE). 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 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: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:Do you cover pilots that are not residents in the UK?
A:Yes, as we insure the business. this has to be registered in the UK. We class the UK as England, Northern Ireland, Scotland, Wales, the Isle of Man, the Island of Guernsey, the Island of Jersey and the Island of Alderney. The pilot must hold the required CAA qualifications.
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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: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.
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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:Do you cover drones that are being used for racing or competitive use?
A:We do not offer any cover for drones or pilots if the insured drone is being used for racing or competitive use.
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Q:Can any pilot named in my operations manual book a day?
A:Not at the moment, this facility will be available soon. The person named as the insured on the Schedule has control of the drone flight planner. This will change soon and all named pilots will be able to book Insured Flying Days. You could give the operator your login details but we can't recommend you do that.
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Q:What functions can I carry out in my FlyCovered account?
A:We have developed FlyCovered so you can manage your account 24/7 online at a time that suits you. You can manage every aspect of your account online from adding or removing drones or pilots, to changing your personal details. You can also buy and book Insured Flying Days if you have a Pay As You Fly+ policy.
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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.
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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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