All your questions covered

Frequently asked questions

We’ve compiled answers to the most often asked questions but if you have a query that isn’t covered here, please let us know and we’ll answer you directly.

When can I start my policy cover?

We can cover you as soon as you have completed a ground school/theory test. Our quotations are valid for 30 days so you can choose any start date up to 30 days in advance.

I’ve made a claim, what happens to my policy?

Your policy remains in full force until the expiry date, irrespective of whether or not you have made a claim. If you’ve had replacement equipment as part of your claim, we will update your policy cover for you.

Can I amend my policy during the year?

Yes of course. If you need to add/remove a drone, adjust your equipment cover, alter your liability limits, or anything else, just get in touch and we will amend your policy and issue new documents to you as necessary.

What are the excluded territories?

Worldwide cover is provided as standard subject to the following excluded territories, if you need to operate your drone(s) in any of the following territories please contact us for a quote:

  • United States of America
  • Algeria, Burundi, Cabinda, Central African Republic, Congo, Democratic Republic of Congo, Eritrea, Ethiopia, Ivory Coast, Liberia, Mauritania, Nigeria, Somalia, The Republic of Sudan, South Sudan
  • Colombia, Ecuador, Peru
  • Afghanistan, Jammu & Kashmir, Myanmar, North Korea, Pakistan
  • Georgia, Nagorno-Karabakh, North Caucasian Federal District
  • Iran, Iraq, Libya, Syria, Yemen
  • Any country where the operation of the insured Aircraft is in breach of United Nations sanctions

Do you cover the drone when it is in flight?

Yes. We cover the drone whilst it is in flight.

If I buy another drone during the course of the year can I add that to my policy?

Yes of course. Just let us know the details of the new equipment and we’ll add it to your policy.

Are there any restrictions regarding the number of flying hours?

No. You can operate your drone(s) as much or as little as you like.

Does the policy cover the drone and my other equipment whilst in transit?

Yes, your equipment is fully covered, whether in transit, in storage or in flight.

Can I operate someone else’s drone?

You can insure someone else’s drone under your Coverdrone policy by adding it as ‘hired-in’ (non-owned) equipment. You will need to have a hiring agreement with the owner of the drone.

Can you insure the Emergency Services?

Yes, we are able to offer policies to the Emergency Services.

Are there any restrictions for ‘high-risk’ premises or flying indoors?

No, we just ask that you fully comply with the local/national aviation regulations.

Do you provide any cover whilst in training?

Yes. Provided that the flight training is carried out with an experienced trainer cover will be agreed subject to slightly higher policy excesses to reflect the increased risk from an inexperienced operator. We’ll need details from you regarding the nature of the training to be undertaken so that we can advise you properly regarding the extent of cover that is available.

What are the requirements for flying a drone commercially in the UK?

You need to have obtained a Permission from the UK Civil Aviation Authority (CAA) pursuant to Article 166 and 167 of the Air Navigation Order 2009 (as amended).

Can you provide cover when we use the drone abroad?

Yes, we provide worldwide cover subject to certain excluded territories. Please ensure that you comply with any local/national aviation regulations.

Where is my drone insured?

With our full Coverdrone policy, your drone is covered anywhere in the world subject to certain excluded territories.

Do you offer a short-term/flight test policy?

Yes, we offer a 30 day training and flight test policy for £44.80 and this premium is refunded in full if you subsequently take out an annual policy. This short-term policy not only provides liability cover, but also includes £4,000 of equipment cover too.

How do I obtain the permission from the CAA in the UK?

There are essentially two routes here:

  1. Direct application to the CAA
  2. Application via a National Qualified Entity (NQE). There are now several NQE’s that can assist with the process. See our links page for contact details of relevant parties

Can you cover more than one drone on one policy?

Yes, we can cover as many drones as required on one policy, just let us know the details and we will add them to your cover.

Can you cover more than one Operator on one policy?

Yes, there is no restriction to the number of Operators we can cover on one policy. Your Coverdrone policy insures the ‘business’ and so you can add as many Operators and drones as you like.

Who is able to purchase a Coverdrone policy?

Coverdrone is for commercial Operators only, and we can cover anyone based in Europe and Canada. As we continue to enhance our offering, further territories will be announced shortly.

Is cover provided for flying over water and offshore?

Yes, we just ask that you fully comply with the local/national aviation regulations.

Am I covered if I fly at night?

Yes, we just ask that you fully comply with the local/national aviation regulations.

Can someone else fly my drone?

Yes, if they are fully qualified, working for your business, and they are included under your Operations Manual.

I own a Training Centre; can I still use Coverdrone?

Yes, we work with many Training Centres offering bespoke policy wordings, which covers them for all their activities.

Are you able to offer discounts?

We work hard to keep our premiums as low as possible, whilst also maintaining a high level of cover. We don’t offer specific discounts, but instead choose to offer all our clients our best prices.

Can you provide employers liability insurance?

Yes, we can provide employers liability insurance as long as you have a Coverdrone policy. Please get in touch for this additional cover.

Can I pay monthly?

We do offer a payment plan for clients based in the UK. This consists of an up-front deposit followed by 10 instalments and details will be provided to you with your quotation.