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Drone insurance for personal use in the UK
10493 23 2015-8-24
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Screenbyte
lvl.2
United Kingdom
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Hi all.
Can anybody tell me if there is a company that will insure my P3P in the UK.
I only fly for fun but would hate to lose the aircraft and the money of course.

The other night my P3P losty siganl for the first time and I was a nervous wreck until I got it back.

I have my DSLR camera insured and would feel a lot better if the Phathom was  well.
Thanks
2015-8-24
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Adamation
lvl.3

United Kingdom
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I wouldn't trust an insurance company to not find some kind of loophole in order for them not to payout even if they would insure your drone - Adam
2015-8-24
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Screenbyte
lvl.2
United Kingdom
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Adamation Posted at 2015-8-24 23:07
I wouldn't trust an insurance company to not find some kind of loophole in order for them not to pay ...

I was thinking the same thing.
It just worries me about the money involved with one of these things here in the UK
2015-8-24
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aaron.ferguson
Second Officer
Flight distance : 1641752 ft
United Kingdom
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One kind of insurance worth getting is Public Liability Insurance - which can be bought at low cost from FPVUK (£5m 3rd party liability insurance): http://www.fpvuk.org/
2015-8-24
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Levity
lvl.1
Flight distance : 656099 ft
United States
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I spent a week looking into finding insurance to fly in Italy, only to find out my homeowners policy covers it. My agent and the underwriter confirmed rid. The homeowners coverage is worldwide. Recommend you provide documentation if approached by the authorities .
2015-8-26
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Barney2k
Second Officer
United Kingdom
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Just for reference - UK folks looking for insurance, Heliguy offer it in partnership with a well known insurer:

https://www.heliguy.com/drone-insurance-i15
2017-2-24
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embayweather
First Officer
Flight distance : 556667 ft
United Kingdom
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Sadly Hleiguy are only insuring commercial use of drones not private. I have looked for months to get some cover (my household insurance will not cover it). i have taken up the third party cover which i thinks is essentially, and for the cost of it on the linl above its a bargain.
2017-2-24
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GeoffN
lvl.4
Flight distance : 89564 ft
United Kingdom
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I reckon if I was an insurance company, I would touch drones for being lost................... unfortunately, anyone who has a crash could just claim it had been lost.
2017-2-24
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Aardvark
Captain
Flight distance : 384432 ft
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United Kingdom
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This is likely the best you will get for public liability in the UK, but need to adhere to all the regulations to be covered.

https://bmfa.org/Info/BMFA-Insurances/Insurance
2017-2-24
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SimonH78
Captain
Flight distance : 782129 ft
United Kingdom
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BMFA is great for personal 3rd party accident protection only £30+ a year and some standard house insurance will cover them under you house contents against accidental damage and loss - just check.
2017-2-24
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Brum Ken
Second Officer
Flight distance : 787877 ft
United Kingdom
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Have you looked at the B.M,F,A for  insurance
2017-2-24
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fans552e88a2
lvl.4
Flight distance : 197680 ft
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United Kingdom
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Levity Posted at 2015-8-26 02:16
I spent a week looking into finding insurance to fly in Italy, only to find out my homeowners policy covers it. My agent and the underwriter confirmed rid. The homeowners coverage is worldwide. Recommend you provide documentation if approached by the authorities .

That might be for cover of replacing the drone but not for public liability. Rather than thinking about ones pocket, one needs to spend a little more time about safety to others and the implications if such an incident should happen
2017-2-25
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fans552e88a2
lvl.4
Flight distance : 197680 ft
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Brum Ken Posted at 2017-2-24 11:12
Have you looked at the B.M,F,A for  insurance

Yeah its more expensive because they supply you with a non multirotor related magazine on RC hobby
2017-2-25
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Brum Ken
Second Officer
Flight distance : 787877 ft
United Kingdom
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I used them a few years ago when I flew fixed wing for a number of clubs I flew at,
the magazine you could read when weather is bad
2017-2-25
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helidan
Second Officer
Flight distance : 326742 ft
United Kingdom
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Adamation Posted at 2015-8-24 07:07
I wouldn't trust an insurance company to not find some kind of loophole in order for them not to payout even if they would insure your drone - Adam

Yes, but if something did happen and it ended up in court it would look better in front of a judge if you could show you had the foresight to actually get some insurance.
2017-2-27
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ZviLerner
lvl.2
Flight distance : 498501 ft
United Kingdom
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I am still looking for cheap insurance for public liability and drone protection. Please can someone help!
2018-3-28
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A CW
Captain
Flight distance : 11005358 ft
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United Kingdom
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aaron.ferguson@ Posted at 2015-8-24 08:24
One kind of insurance worth getting is Public Liability Insurance - which can be bought at low cost from FPVUK (£5m 3rd party liability insurance): http://www.fpvuk.org/

I've been a member of FPV since 2016 - £19.99 a year for £5M of public liability insurance to fly drones anywhere in Europe (as a British citizen) for recreational use is great! Print off the certificate, put it in your bag to show those on a need to know basis and you're good to go.
2018-3-28
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stevex
lvl.2

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BMFA gives you £25 Million third party liability cover for each claim, cost is £34. Actually membership is £34, insurance comes with membership; bargain I'd say.
2018-3-28
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djiuser_1J6uzfW9ercW
lvl.2
Flight distance : 37372 ft
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Hi for drone insurance in the UK you could try (for around £30 - £40) https://www.photoguard.co.uk/  and for 5million public liability insurance in the UK for just £20 a year https://www.fpvuk.org/
2018-7-1
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Bashy
Captain
Flight distance : 549140 ft
United Kingdom
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Post office cover drones on house insurance, one caveat, you cannot claim if you dont have the drone (like DJI's policy)
2018-7-2
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Chris_A
Second Officer
Flight distance : 6142 ft
United Kingdom
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As stevex stated above,  become a BMFA member. Easy.  
2018-7-3
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m1n1s
Second Officer
Flight distance : 319915 ft
United Kingdom
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FPV for me , simple and inexpensive
2018-7-3
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solentlife
Captain
Flight distance : 1087530 ft
Latvia
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helidan Posted at 2017-2-27 08:16
Yes, but if something did happen and it ended up in court it would look better in front of a judge if you could show you had the foresight to actually get some insurance.

Guys talking about Insured Loss of the Drone - not the carnage it does.

Doubt ever a court case for a flyaway !!

Nigel
2018-7-3
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solentlife
Captain
Flight distance : 1087530 ft
Latvia
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fans552e88a2 Posted at 2017-2-25 07:17
Yeah its more expensive because they supply you with a non multirotor related magazine on RC hobby

And ?

BMFA as part of SMAE is the Worlds First Model Society created to look after all Model Flyers interests.

It is one of the most respected of all Model Groups and is actually the body that has fought hard for YOU in UK to have freedom to fly your Drone / other models. Without them - I am sure it would have been a totally different scenario.

I was a SMAE rep for a number of years when I lived and flew in UK ... it was hard but often rewarding work.

Given the price of membership and its standing with CAA / Govt ... the 3rd Party Insurance, guidelines etc. - its cheap price for so much.

I wish we had similar here in Latvia ...

Nigel
Brit living in Latvia
2018-7-3
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