Drone insurance

Discover how drone insurance works, the level of cover you can expect and how to find the right cover for your drone.

Find out what's covered Learn more
We've answered common questions Go straight to FAQs

If you’re flying a drone as a hobby, you don’t have to insure it. But if your drone hurts someone else or damages their property, you could be on the hook for some costs. Drone insurance, which can cost as little as £30 a year, was created to cover this, along with the cost of repairs or replacement if your drone is damaged or stolen.

Promoted
PhotoGuard Insurance

Specialist insurance cover for drones

  • Cover in the UK and 30 days worldwide
  • Up to £2,000 equipment hire
  • New for old cover on your drone and kit

What is drone insurance?

Drone insurance covers the cost of repairing or replacing your drone if it is damaged lost or stolen. You’ll also be covered for any damage to other people’s property caused by your drone.

There are many gadget insurance or contents insurance companies that may cover you in these scenarios, too.

However, it’s rare that the cover will be as extensive compared to specialist drone insurance policies.

In this guide, we’ll explore how drone insurance works and the level of cover you can expect.

Is drone insurance necessary?

If you are flying a drone as a hobbyist, it is not compulsory to insure it. However, without insurance, you’ll be liable for the cost of any loss or damage that may occur while flying your drone. You’ll also have to pay the legal costs if you cause injury to someone else or damage their property.

If you’re a commercial drone pilot, it is compulsory for your drone to be insured. If a commercial drone pilot is caught flying their drone without insurance, they could face a large fine. Some insurance companies offer specialist commercial drone insurance, which will also cover you during the process of gaining your commercial licence.

What does drone insurance cover?

You can expect drone insurance to cover the costs of repairing or replacing your drone in the following circumstances.

  • Accidental damage. If you accidentally damage your drone, your insurance will cover the cost of repairing or replacing it.
  • Public liability. If you cause harm to someone else or damage to their property, your insurance will cover the legal costs and the cost of repairing the damage.
  • Personal accident insurance. If you get into an accident while flying your drone, you’ll be covered for the cost of medical bills.
  • Theft/loss. If your drone is lost or stolen, your insurance company will cover the cost of replacing it.

Some drone insurance will cover you overseas, as well as across the UK, although this is usually only made available as a paid add-on.

What is the drone code?

In 2017, the government had the Civil Aviation Authority (CAA) publish The Drone And Model Aircraft Code with rules to help pilots fly their drones safely.

These rules cover:

  • General safety tips
  • Where you can fly drones
  • Protecting people’s privacy
  • What you need to do before flying a drone

These rules apply to all forms of unmanned aircraft including model airplanes, model helicopters and model gliders. If you break the rules in this code, you could be fined or even sent to prison.

Legalities of flying a drone

The CAA is responsible for the legalities of all unmanned aircraft under 20kg. You will become familiar with these during your theory test, which you must pass before flying a drone.

Still, here are some key rules to bear in mind.

  • You must follow the safety rules outlined in The Drone And Model Aircraft Code.
  • Your drone must be within your line of sight at all times.
  • You must take special care not to fly the drone into buildings, lampposts, other objects or other aircraft.
  • You must not drop “items” from the drone.
  • If your drone has a camera, you must receive additional permissions from the CAA to fly within 150m of a congested area.

Any claim made as a result of these laws being broken are unlikely to be accepted by your drone insurance company.

Pay-as-you-fly insurance vs annual insurance

With pay-as-you-fly insurance, you’ll let your insurer know every time you want to fly your drone and arrange an insurance policy for that time period only. You can arrange to be covered for as little as one day, or perhaps for the length of your countryside getaway.

If you’re only flying your drone a few times per year, this can work out cheaper than an annual policy.

With annual insurance, you’ll be covered for the whole year. This will be more suitable for commercial pilots and anyone flying their drones more than a few times per year.

Bottom line

Drone insurance might not be compulsory for hobbyists, but when you consider the potential costs of an accident compared to the cost of your premium, it’s definitely worth considering. Especially if you’re a little accident-prone.

Frequently asked questions about drone insurance

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

More guides on Finder

  • Impounded car insurance

    If your car’s been seized and impounded by the authorities, you’ll need impounded car insurance to retrieve it.

  • Compare the best business credit cards of 2021

    Saving time on expense reports and streamlining your cash flow are just a couple of the many perks you could enjoy with a business credit card. Compare interest rates and check your eligibility today.

  • Collinson review: Private COVID-19 testing for travel

    Check out Collinson’s range of travel tests, what its customers think and how quickly it can turn around your results and certificate.

  • Motorhome breakdown cover

    Looking for the ideal breakdown cover for your motorhome? Use our comprehensive guide to find out what you need to get a quote.

  • Compare robo advisors in the UK

    Robo advisors are a hassle-free solution to those looking to invest, without the need to research your own investments.

  • What is capital gains tax?

    Want to know what capital gains tax is, how it works and when you need to pay it? Read our comprehensive guide on what you need to know about capital gains tax including what your CGT allowance is for the 2021/2022 tax year.

  • Volvo V60 insurance group

    Find out which insurance group the Volvo V60 falls under and how much it costs to insure.

  • Chrysler Ypsilon insurance group

    Find out which insurance group the Chrysler Ypsilon falls under and how much it costs to insure.

  • Lotus Elise insurance group

    Find out which insurance group the Lotus Elise falls under and how much it costs to insure.

  • Volkswagen Bora insurance group

    Find out which insurance group the Volkswagen Bora falls under and how much it costs to insure.

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site