Drone insurance isn’t just a box to tick – it’s your safety net. But all too often, operators can pick the wrong policy or skip important details. Here are some of the most common drone insurance mistakes we see at Coverdrone, and this is our quick guide on how to avoid them.
1. Going for the Cheapest Policy Without Checking the Cover
It’s tempting to click on the lowest price, but not all policies are equal. A basic policy might exclude key risks or have very low liability limits. Make sure you’re comparing what’s included, not just what it costs. At Coverdrone, we provide comprehensive drone cover as standard.
2. Not Understanding the Excess
The excess (also known as the ‘deductable’ is what you pay toward a claim before insurance kicks in. Some policies may seem cheaper, but can come with high excess amounts that leave you out of pocket when it matters.
3. Forgetting to List All Your Drones
Only registered drones are covered. If you upgrade your gear or fly more than one drone, be sure each one is listed on your policy schedule. It’s an easy oversight – if your drone is excluded from the policy schedule, it isn’t covered, so it’s worth double and triple checking.
4. Skipping Public Liability Cover
Nobody plans to crash, but mistakes and accidents happen. If your drone hits a person, vehicle or property, public liability cover protects you from serious financial risk. Many venues and clients now require proof before you can fly . For commercial operators, public liability insurance is a legal requirement.
5. Not Updating Your Policy When Things Change
For hobbyists and recreational operators, it can be exciting to buy or hire new equipment, but it’s important to make sure that your policy reflects the equipment you have to ensure you are properly covered.
For commercial operators, if your business grows, your cover needs might well change too. Whether you’re flying in new locations, adding team members or offering new services, check that your insurance still fits.
6. Overlooking Optional Extras That Might Matter
Cover for hired-in equipment or flying abroad might not seem necessary at first, but can make a big difference. Think about the risks specific to your drone use.
7. Not Using a Specialist Provider
General insurers may not fully understand drones and their risks. Choosing a specialist provider like Coverdrone means getting support from people who know the sector and can support you properly if things go wrong.
Protect Your Drone Flights the Smart Way
Drone insurance is about more than compliance. It’s about peace of mind. Avoiding these common mistakes means you’re better protected and less likely to face surprises.
Need help choosing the right policy? Coverdrone’s dedicated customer support team is here to answer your questions or help you build the cover you need.