Yes. Specialist Drone Insurance can include physical damage cover for the drone itself.

This is often referred to as hull cover.

What can physical damage cover include? #

Depending on the policy, cover can respond to certain loss or damage caused by:

• Crashes.
• Impact.
• Accidental damage.
• Theft.
• Other insured physical events.

The drone should be insured for an appropriate value.

Are cameras and payloads automatically included? #

Not necessarily.

Cameras, LiDAR systems, thermal cameras and other specialist payloads can be valuable and may need to be separately declared.

The policy should clearly identify what equipment is insured.

What about batteries and controllers? #

Some policies can extend to associated equipment such as:

• Controllers.
• Batteries.
• Ground stations.
• Chargers.
• Cases.
• Other operating equipment.

The extent of cover varies between insurers.

Does insurance cover mechanical failure? #

Not always.

A drone that simply fails because of wear, deterioration or mechanical breakdown may not fall within standard accidental damage cover.

The policy exclusions should be checked.

What value should I insure? #

Consider the cost to replace the drone and insured equipment with an equivalent item.

Do not assume the original purchase price remains appropriate where equipment values have changed.