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 entering the market, most consumers are able to use them. So can you. 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 explains everything you need to know about drone liability insurance.
What does liability insurance cover for your drone?
Liability insurance primarily covers the damage you cause to another person.
Material or personal injury?
Here, a distinction is made between property damage and personal injury. Material damage is any damage caused to someone's belongings. Like the damage to the car described in the intro.
Injury damage can also be understood as physical damage. For example, you fly into someone and they break their ribs? Then your insurance will cover the cost of the doctor or hospital.
Level of coverage
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 you are insured up to a certain amount. If the damage is higher than the insured amount, you have to pay the remaining amount of the damage yourself.
The best liability insurance for a drone
What can you look for when choosing liability insurance for your drone? Below we give you some helpful points to consider.
Coverage
The amount of coverage determines reimbursement. Often insurers offer basic coverage of around 1,000,000 euros. You can choose to increase this amount yourself. Often this is not necessary, although repeated hospital bills can quickly add up. Therefore, when deciding on the amount of coverage, weigh the risk and cost.
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
Want an easy way to find out the best liability insurance for your drone? Then use this handy online tool. Just fill in the required details and what modules you want in your insurance. The online tool will compare different insurance policies for you and give 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.
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