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Is damage caused by a drone covered

Recreational drone use is happening more and more. Since the introduction of the drone, they have become increasingly popular. With more and more affordable drones coming onto the market, most consumers are able to use them. But what if you lose control and crash into a car. There is a big dent in the car and some scratches.

The owner of the car wants to recover the cost of repairs á 1600 euros from you. These costs can be covered by your insurer, provided you have liability insurance for your drone. But what is insured with liability insurance? And what should you pay attention to when choosing liability insurance. In this article, Alpina Insurance explains everything you need to know about drone liability insurance.

Drone liability insurance

What does liability insurance for your drone cover?

A liability insurance primarily covers the damage you cause to another person.

Material or personal injury?

A distinction is made between material and personal damage. Material damage is any damage caused to someone's belongings. Like the damage to the car described in the intro.

Personal injury can also be understood as physical damage. For example, do you crash into someone and he breaks his ribs? Then the costs for the doctor or hospital are covered by your insurance.

Level of cover

Depending on the cost of the damage and the level of your cover, you may still have to pay for some of the damage yourself. You are insured up to a certain amount. When the damage is higher than the insured amount, you have to compensate the remaining amount yourself.

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The best liability insurance for a drone

What should you consider when choosing liability insurance for your drone? Here are some helpful points to consider.

Cover

The amount of coverage determines the reimbursement. Insurers often offer a basic coverage of around 1,000,000 euros. You can choose to increase this amount yourself. However, this is often not necessary. However, repeated hospital bills can quickly mount up. Therefore, when deciding on the amount of cover, weigh up the risk against the costs.

Co-insured

Does your son also fly your drone from time to time? Or perhaps a close friend? Then it is useful to know if they are also co-insured. Are you insured as a person yourself or does the insurance cover purely the drone? If the drone is insured, you can assume that you will be compensated even if another person creates the damage. If you are only insured then the damage will not be covered if it is created by another person.

Have it calculated

Do you want to find out the best liability insurance for your drone? Then use this handy online tool. All you have to do is fill in the required details and the modules you want in your insurance policy. The online tool compares different insurances for you and gives you the best option.

Get your drone liability insurance through Alpina: simple and affordable

Are you considering taking out liability insurance? Then take it out now at Alpina! Thanks to our large number of modules, you can always choose the insurance that suits your needs. Do you have any doubts or questions about our liability insurance? Then feel free to contact our customer service team. They are ready to answer all your questions.

Calculate the premium for liability insurance!

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