Frequently asked questions – drone insurance
The CAA now requires that drone insurance is in place when you apply for an operational authorisation or is you are operating commercially in the Open Category. The insurance must be compliant to EC regulation EC 785/2004. In real terms, this means that the absolute minimum requirement is about £1,000,000 public liability. To operate in some environments you might require up to £10,000,000. As a result, it is important that you understand the sector you will be working in and obtain appropriate insurance. You can also insure your drone for damage, which will increase your premiums significantly. Some companies are now providing cover by the day, which could be cost-effective if you are only likely to do 1 or 2 jobs a month.
In terms of your Practical Flight Test, we provide public liability insurance for that, so you don’t need to worry about commercial insurance until you make your application. If you are carrying out non-commercial drone training flights at a safe location, you may wish to consider recreational drone insurance. This is generally fairly cheap. Here are some drone insurance providers to help you get your quotes together.
Commercial drone insurance providers:
Recreational drone insurance providers:
Drone Cover Club
British Model Flying Association