Help and FAQs
Help and FAQs
Recreational Policy
Explore the answers to common questions about Coverdrone’s recreational policies.
What Does The Recreational Drone Policy Cover?
Our recreational drone insurance is designed for hobbyist pilots who want peace of mind while flying for fun. The policy typically includes public liability cover (in case your drone accidentally causes damage or injury), as well as optional cover for your drone and related equipment in case of accidental damage, loss or theft. For a full list of what is covered, please visit our products page.
Why Do I Need to Register?
The registration is free and it creates your Coverdrone account so that you can log back in later to choose a period of cover.
Am I A Commercial Or Recreational Operator?
In general, aviation authorities have worked to the following guidelines, and these are the guidelines on which we have built our policies:
Commercial – our commercial policy allows you to use your drone and equipment for paid or unpaid work, whether that payment is direct or indirect. It is also compliant with EC785/2004 and issue Aviation Liabilities in addition to Public Liability (if this cover is selected).
Recreational – for “sport or recreational” purposes only. A recreational flight would NOT include paid or unpaid work whether that is direct or indirect (such as imagery being used on another organisation’s website or social media).
What Permissions Or Qualifications Do I Need To Be Covered?
As long as you are flying within the rules and regulations and have any relevant permissions/qualifications/licences that are required then our policy will cover you. To find out more, we recommend that you contact your local aviation authority or training centre to find out what you need to fly.
Where Am I Covered To Fly My Drone?
Yes, you’re covered to fly anywhere in the world (excluding certain territories – see below) as long as you operate within the laws and regulations set by local aviation authorities. Always check for airspace restrictions before flying, which you can do via the FlySafe app.
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:
North Korea, Iran, Russia, Crimea, Ukraine and Belarus, Afghanistan, Iraq, Libya, Syria, Yemen, Nagorno-Karabakh, North Caucasian Federal District, Somalia, The Republic of Sudan, South Sudan, Burundi, Cabinda, Central African Republic, Congo, Democratic Republic of Congo, Eritrea, Ethiopia, Ivory Coast, Liberia, Mauritania, Georgia, Pakistan
Any country where the operation of the insured Aircraft is in breach of United Nations sanctions.
Am I Covered If I Fly At Night?
Yes, we just ask that you fully comply with the local/national aviation regulations.
Is Cover Provided For Flying Over Water And Offshore?
Yes, we just ask that you fully comply with the local/national aviation regulations.
Is Public Liability Insurance Included?
Public liability insurance is included as an option for our recreational policies. This protects you if your drone causes damage to property or injures someone. Public liability cover starts at £1 million.
What Level Of Liability Cover Is Available?
You can choose from a range of liability cover limits, starting from £1 million. Higher levels are available if needed – just select the level of cover that best suits you when getting a quote.
Do I Have To Insure My Drone And Equipment?
No, you can choose to insure for just liability only if you wish. You can always add any equipment onto the policy later if you need to.
Do You Cover The Drone When It Is In Flight?
As long as you have opted to include equipment cover, we cover the drone whilst it is in flight.
Will The Drone Be Covered For A Flyaway Or Disappearance?
If you have selected equipment cover, policy coverage would extend to disappearance which would include the term ‘flyaway’.
Does The Policy Cover The Drone And My Other Equipment Whilst In Transit?
If you have selected equipment cover, your equipment is covered whether in transit, in storage or in flight.
Is Equipment (Drone, Controller, etc.) Covered For Accidental Damage Or Theft?
Yes. If you select equipment cover when setting up your policy, your drone and related items such the control station, data links, telemetry, communications, navigation equipment, and all of the associated support equipment necessary to operate the drone. If the drone is being controlled by a laptop, iPad, or tablet device, this can be covered for accidental damage, loss or theft (mobile phones are not included). This includes incidents that happen in transit or while in storage.
Can I Insure Ground-Based Equipment Or Accessories?
Yes. You can insure a range of items including the control station, data links, telemetry, communications, navigation equipment, and all the associated support equipment necessary to operate the drone(s). If the drone(s) is being controlled by a laptop, iPad or tablet device (excluding mobile phones) these can also be included.
Can I Operate Someone Else’s Drone?
You can insure someone else’s drone equipment 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.
If you have Public Liability covered on your policy, this will be effective for the non-owned drone whilst you use it.
When Can I Start My Policy Cover?
Once registered, you can start cover straight away or you can choose any start date up to 30 days in advance. Our quotations are valid for 30 days and will be saved in your online account.
How Long Does The Cover Last, And Can I Renew Easily?
Yes, once registered, you will be able to choose from either 1-6 days, 1 week, 1 month, rolling monthly or 12 months/annual. Renewing is as simple as visiting your Coverdrone online account.
Will My Policy Renew Automatically?
Short-term policies (1 day to 1 month) do not renew automatically. Rolling monthly policies will continue until you tell us to stop. Annual policies are usually set to renew automatically unless you opt out – you can check or change your renewal settings in your online account.
Can I Amend My Policy During The Period Of Cover?
Yes, of course. If you need to add/remove a drone, adjust your equipment cover, alter your liability limits, or anything else, you can do this in your online account on the Coverdrone website.
If I Buy Another Drone During The Period Of Cover Can I Add That To My Policy?
Yes, of course. Just visit your online account and add the new equipment to your policy.
Can I Pause Or Cancel The Policy If I Stop Flying?
For short term policies (up to and including one month), you may cancel the policy provided it hasn’t started yet. Longer term policies may be cancelled once they have started. We offer refunds on a pro-rata basis subject to any fees outlined in our terms of business. We do not offer policy pausing.
What Happens If I Want To Upgrade To A Commercial Policy Later?
It’s simple to upgrade. Just log in to your Coverdrone account and amend your policy.
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, you will need to add the details of your new equipment to your policy to ensure you are still covered. You can do this by updating the equipment details in your Online Account.
Once you have made a claim against your policy you will not be able to cancel and obtain a pro-rata refund.
Other FAQs
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