General FAQs
Drone insurance provides coverage for physical damage, third-party liabilities, and other risks associated with operating drones.
While drone insurance is not explicitly mandatory as per DGCA regulations, it is highly recommended and may be required for specific use cases like commercial operations.
• Hull Insurance: Covers physical damage to the drone.
• Third-Party Liability Insurance: Covers damages or injuries caused to third parties.
• Payload Insurance: Covers specialized equipment or sensors attached to the drone.
• Third-Party Liability Insurance: Covers damages or injuries caused to third parties.
• Payload Insurance: Covers specialized equipment or sensors attached to the drone.
Drone insurance can be purchased by individuals, businesses, and government agencies owning or operating drones.
• Purpose of drone usage (commercial or personal).
• Drone type, size, and value.
• Operating environment (urban, rural, hazardous zones).
• Pilot’s experience and training certifications.
• Drone type, size, and value.
• Operating environment (urban, rural, hazardous zones).
• Pilot’s experience and training certifications.
Yes, most insurance providers require operators to have a valid DGCA Remote Pilot Certificate for drones above the Nano category.
Coverage-Related FAQs
• Accidental damage.
• Theft or loss.
• Third-party liability (injury or property damage).
• In-flight malfunctions.
• Payload and equipment damage.
• Theft or loss.
• Third-party liability (injury or property damage).
• In-flight malfunctions.
• Payload and equipment damage.
No, flights conducted without the necessary permits or in restricted zones are typically excluded.
Coverage for natural disasters varies between policies. Check specific terms for inclusions like storms, floods, or earthquakes.
Compliance & Legal FAQs
• Proof of drone ownership.
• DGCA registration certificate and UIN.
• Remote Pilot Certificate.
• Maintenance records (in some cases).
• DGCA registration certificate and UIN.
• Remote Pilot Certificate.
• Maintenance records (in some cases).
Insurance is generally available for all drones registered with DGCA, including Nano, Micro, and Small categories.
The operator may be held personally liable for any third-party damages or legal actions.
Claims FAQs
• Notify the insurance provider immediately.
• Provide details of the incident (photos, videos, flight logs).
• Submit the required documents (incident report, operator license, proof of damage).
• Provide details of the incident (photos, videos, flight logs).
• Submit the required documents (incident report, operator license, proof of damage).
Claim processing times vary by insurer, typically ranging from a few days to weeks depending on the complexity of the case.
• Unauthorized or illegal flights.
• Normal wear and tear.
• Unapproved modifications.
• Operation without valid permits/licenses.
• Normal wear and tear.
• Unapproved modifications.
• Operation without valid permits/licenses.