Is damage caused by a drone covered?

The car owner wants to recover the repair costs of 1,600 euros from you. These costs may be covered by your insurer, provided you have liability insurance for your drone.  But what does liability insurance cover? And what should you look for when choosing a liability insurance policy?In this article, Alpina explains everything you need to know about liability insurance for drones.

Property damage or personal injury?

A distinction is made here between property damage and personal injury. Property damage refers to any damage caused to a person’s belongings, such as the damage to the car described in the introduction.

Injury claims can also be understood as physical injury. For example, if you bump into someone and they break their ribs, the costs for the doctor or hospital will be covered by your insurance.

Coverage Height

Depending on the cost of the damage and the amount of your coverage, you may still have to pay for certain damages yourself. This is because your coverage is limited to a certain amount. If the damage exceeds the insured amount, you must pay the remaining amount in full yourself.

The Best Liability Insurance for a Drone

What should you consider when choosing liability insurance for your drone? Below, we’ve listed a few helpful points to keep in mind.

Coverage

The level of coverage determines the amount of reimbursement. Insurers often offer basic coverage of around 1,000,000 euros. You can choose to increase this amount yourself. This is often not necessary, although repeated hospital bills can quickly add up. When deciding on the level of coverage, therefore, weigh the risk against the cost.

Covered Individuals

Does your son ever fly your drone? Or perhaps a close friend? If so, it’s helpful to know whether they’re also covered under your insurance. Are you personally insured, or does the insurance cover only the drone? If the drone is insured, you can assume that you’ll be compensated for any damage, even if someone else causes it. If you’re only insured personally, the damage won’t be covered if it’s caused by someone else.

Let's calculate it

Want an easy way to find out what the best liability insurance is for your drone? Then use this handy online tool. All you have to do is enter the required information and select the coverage options you want in your policy. The online tool compares different insurance policies for you and shows you the best option.

Get your drone liability insurance through Alpina: simple and affordable

Are you considering purchasing liability insurance? Then take out a policy with Alpina today! Thanks to our wide range of coverage options, you can always choose the policy that best suits your needs. Do you still have any doubts or questions about our liability insurance? Feel free to contact our customer service team. They’re here to answer all your questions.