Do I need Drone Insurance?

Legally, you don't need drone insurance in the UK if you fly your drone for hobby or recreational purposes. However, it's still a good idea to have insurance, as it can protect you from financial liability in the event of an accident.

There are two main types of drone insurance:

• Personal liability insurance covers you if your drone damages someone or something. This is the most important type of insurance to have, as it can protect you from large financial losses.
• Equipment insurance covers your drone if it's damaged or stolen. This is less important than personal liability insurance, but it can still be a good idea to have, especially if you have an expensive drone.

Personal Liability

I personally believe that everyone should have this. If your drone crashes and harms someone or someone's property then this insurance could cover you from such a claim.

I guess, if you're flying a tiny Hubsan drone, then the likelihood of doing any damage is small, but even a Mavic Mini could cause damage.

Even the best Drone Adventurers make mistakes or have drone equipment fail and this could result in having to pay thousands of pounds in damages.

The best two ways to do this was:

• Through the BMFA (This is good if you want to be part of the model flying club)
• Through Coverdrone Insurance (This link gives me a small amount of money if you buy insurance)
  • (Please say that you heard about Coverdrone from my website)

Equipment insurance

Equipment insurance is, what you might think, the insurance of your drone equipment.

This is more of a choice. How much is my drone worth and could I afford to replace it if it's stolen, damaged or lost. NOTE: This is a reason why Drone Insurance can be better than things like DJI Care plan, as you are covered when not flying too (Check the policy).

It gives me the piece of mind and actually makes me less nervous when flying the drone, allowing me to concentrate on having my Drone Adventures.

Some important things to consider when when looking for this type of insurance:

• Am I covered when flying the drone? (Some photography insurance doesn't)
• Are there any restrictions on the number of flights?
• Does the drone insurance cover me when I am in transit with the drone
• Does the insurance cover me when abroad?
• Does the drone cover me when flying a night? (Not all do!)
• Is the drone covered when flying over water (An important one for me!)
• Will I be covered if the drone has a fly-away and I can't find the drone?
• Will the insurance cover me for a new drone (New for old)?