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WHAT IS DRONE INSURANCE?
Unmanned Aerial Vehicle (UAV) or “Drones” as they are commonly known as are small unmanned aircraft scale models that are capable of flying and carrying materials above the ground. Drones are used for Military and also commercial purposes such as Infrastructure management, Streamline Agriculture management, package delivery, wildlife protection (Monitoring), 3D Mapping. Drones have recently risen in popularity due to their functionality and efficiency when it comes to capturing videos and images from a much higher view point. Video bloggers and film makers use drones to capture images and videos like never before; hence, promoting the device to the masses.
The General Civil Aviation Authority and The Dubai Civil Aviation Authority regulate the use of such UAVs. In addition to laws on usage, licensing and designating no-fly zones, they also require UAV operators to obtain insurance coverage.
Drones like any other remote operated devices have a tendency to get into accidents. This might cause damage not just to the body but also to the attachments on the drones. Accidents or misuse can also result into liabilities to third parties by way of property damage or bodily injuries.
WHAT IS COVERED UNDER DRONE INSURANCE?
Physical loss of or damage of U.A.S (inclusive of detachable and non-detachable payloads) :
The insurer will pay for physical damage to the U.A.S inclusive of detachable and non-detachable payloads occurring during the period of insurance and arising due to the activities whilst in flight or in transit up to the insured value less there is an applicable deductible.
Physical loss of or damage to UAS spares:
The insurer will pay you up to the limit specified in the policy for the physical loss or damage to the U.A.S spares, inclusive of theft, during the period of insurance. The said spares can either be your property or the property of others for which you are responsible whilst such property is your care/ custody /control on ground or while in transit.
Legal liability to third parties (Mandatory Coverage by Law)
pay to you or on behalf of you all the sums for which you are legally liable to pay as compensatory damages for:
Bodily damages or property damage to third parties
Invasion of privacy
Noise Liability
Exclusions
Any damage caused due to War, Political terrorism or Nuclear reaction
Claims arising due to failure to maintain U.A.S
Claims arising due to the lack of training of the U.A.S operator(as specified by the government )
Any drone insurance policy will not cover the use of the drone in the prohibited countries unless cleared by the insurers on a case to case basis.
Damage caused due to flight during extreme climatic conditions.
Damage caused due to normal wear and tear.
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