Why we should insure our drone
Why we should insure our drone
Insuring a drone is mandatory, when it is not a small size and for purely recreational use. Based on this, today we have prepared an article that will explain in detail why we should insure our drone if we do not want to have serious consequences. Although our country is not sufficiently developed in the field of drone insurance, this does not mean that we should not take all the necessary actions.
When does a drone need insurance ?
Drone insurance is required when it is used for both professional purposes, such as wedding drone photography, real estate, etc., and for private use.
As mentioned above, the only drones that do not need insurance are the very small ones that are used purely for entertainment or play.
Insurance must be taken out for each drone separately and for one operator, since it covers civil liability for bodily injury and material damage caused by the specific drone and by the specific operator.
However, it is possible to insure more than one drone in one insurance policy, however, its price will be higher, as is easily understood. A basic condition for covering civil liability is of course compliance with the limits and safety rules. So it would be a good idea to inform yourself about all the information regarding drone flights.
Why should we insure our drone?
Using a drone carries several risks. No matter how experienced a pilot is, there is a possibility of an unwanted collision that can cause bodily harm to third parties or material damage to their property. By insuring your drone, you ensure full liability coverage for both bodily harm and material damage. Just as it happens with the insurance of your vehicles.
In the event of an accident without insurance, the victim may take legal action against you and of course you may have to pay exorbitant amounts of compensation. Consequently, there is absolutely no reason to leave your drone uninsured.
What else should I know about drone insurance
One key thing you should pay attention to is that drone insurance offers specific coverage for specific circumstances. This means that each of your flights must be carried out based on legislation and always in accordance with what is provided for in the Ministerial Decisions. In addition, when an insurance is issued in our country, the coverage it provides is limited to flights within the territory. This means that if you decide to travel abroad and use your drone, you are not covered.
Several drone users have asked us from time to time whether they must be certified operators or have their drone registered in order to insure themselves. The answer is that it is not required that you have received certification or that you have registered your drone. However, if you are a certified operator, you may have lower premiums in your contract, due to experience.
Where can I insure my drone
In theory, every insurance company should have policies for drone operators. However, as we mentioned at the beginning of the article, our country is quite behind in this area, so don't be surprised if your insurance company cannot cover you. With a quick search on the internet, you can find a multitude of companies that will fully cover civil liabilities arising from the flight of your drone.
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