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What is Drone Insurance?

Drone Insurance (Remotely Piloted Aircraft Insurnace) covers any loss or damage caused to the drone including theft while it is being operated by an authorized person. It also provides third-party liability protection that covers damages with respect to accidental bodily injury and accidental damage to property caused by the drone.

Drone insurance also provides accidental death benefit and covers hospitalization expenses of operator for injuries caused by the drone while the same is being operated.

Remote-controlled aircraft insurance
Need of Drone Insurance

Who Needs Drone Insurance?

As per Drone Rules 2021, DGCA has Mandated Drone Insurance (Remotely Piloted Aircraft insurance) in India. It is, therefore, a legal requirement to obtain a commercial third-party liability Drone Insurance (Remotely Piloted Aircraft Insurnace) policy if you are undertaking commercial operations.

All drone operators, service providers, drone pilots using drone for commercial operations need to obtain Drone Insurance (Remotely Piloted Aircraft Insurnace).

Why Do You Need Drone Insurance?

 

1

Provides protection against third-party liabilities

Provides cover for bodily injury and accidental death/damage to third party.

2

Protection against own damages

Provides cover for own damage (drone hull, payload, and equipment) including but not limited to accidental damages and theft.

3

Legal Compliance

As per Indian drone rules, all drones except nano-category drones are required to compulsorily obtain third-party liability cover before commencing any kind of commercial operations. Failure to comply may result in legal action against the drone operator/owner.

Who can buy Drone Insurance?

  • Drone Manufacturers
  • Aircraft and Drone operators
  • Logistics start-ups/ Aggregators
Buy Drone Insurance Online

Why ICICI Lombard?

One of the leading General Insurance Company with following strengths:

1

All Risk Policy


2

Been in Aviation business for more than a decade which helps us better understand the industry and business

3

Our long-term experience in aviation claim handling is beneficial to the drone ecosystem

4

Pay Per Use Model


What are the inclusions & exclusions of the product?

Below are the detailed inclusions and exclusions of our Drone Insurance Policy

  • Covers accidental damage of drone including theft
  • Provides cover for bodily injury and property damage to third party
  • Provides cover for drones while in transit
  • Provides cover for cyber liability risks to drones
  • Does not cover losses due to wear, tear and gradual deterioration
  • Does not cover damage caused by rot, fungus, mould, vermin, or infestation.
  • Does not cover claims arising out of non-compliance of authority guidelines.

Get answers to common questions about Drone Insurance

What is Drone Insurance (Remotely Piloted Aircraft Insurnace)?

Drone Insurance (Remotely Piloted Aircraft Insurnace) pays for the repair/replacement cost for the accidental damages caused to the drone. It also compensates for the accidental damage/death caused to third party/property due to drone operations.

As per Drone Rules 2021, DGCA has Mandated Drones insurance in India, it is, therefore, a legal requirement to obtain a commercial third-party liability drone insurance policy if you are undertaking commercial operations

There are two types of Drone Insurance (Remotely Piloted Aircraft Insurnace):
  • Third party liability insurance : A third party is an unrelated person in a drone operation. Any accidental damages caused to such persons or property whilst drone operations will be covered in this insurance. However, any damage to own property (own drone) will not be covered in the standalone third party liability insurance.
  • Hull and Liability Drone Insurance (Remotely Piloted Aircraft Insurnace) : All commercial drone pilots need to mandatorily obtain Drone Insurance (Remotely Piloted Aircraft Insurnace). A Hull and Liability drone Insurance (Remotely Piloted Aircraft policy) will protect the drone pilot from claims made by a third party. Additionally, it includes cover for accidental damages to drones, payloads, and equipment. It also provides cover to the pilot for accidental injury and/or hospitalization expenses due to injury sustained while performing drone operations.

Third party liability is a mandatory cover. However, looking at the drone operations, it is of interest to the operator to get the Drone hull and equipment insurance.

Do you cover the drone when it is in flight?

Yes, drone will be covered while both in flight and at rest condition.

It is per operator per Drone Insurance (Remotely Piloted Aircraft policy). However, we can provide a single policy for a fleet of drones.

Yes, disappearance of drone is covered as per policy terms and conditions

Only the authorised operators are permitted to fly the drones.

Training drones can be insured as per underwriters’ approval.

Can you insure my drone?

Yes all drones having a valid UIN number can opt for ICICI Lombard’s drone Insurance (Remotely Piloted Aircraft insurance policy).

Training drones can be insured as per underwriters’ approval.

Yes, we have provisions for short terms policy also. The options are as follows:
  • 1 Day policy
  • 1 Week Policy
  • 1 Month Policy

Yes, you may get endorsement done during your policy period.

Guidelines as defined by authorities need to be followed. Directorate General of Civil Aviation (DGCA) has defined guidelines for all types of drone operations. Guidelines are available on the DigitalSky website.

Drone Insurance (Remotely Piloted Aircraft Insurnace) is valid within the territorial scope of India.

How to register for claim?

Yes, within 14 days.

None, only policy number required.

UIN No. For Retail: IRDAN115RP0014V01202122 Product Code: (6001/RPA) For Commercial: IRDAN115CP0002V0120212 Product Code: (6001/DR)

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