In recent years, we have witnessed a surge in the use of drones by wedding photographers as well as in the production of films. However, as the usage of drones becomes more prevalent, the risk of accidents that can cause loss or damage to the drone or third party also increases. Hence, keeping such unforeseen accidents in mind, several insurance providers have started offering Drone Insurance in India.Read more
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Drone operator insurance in India is a comprehensive insurance policy that covers the loss, damage, or theft of a drone. The coverage includes the drone’s camera, payload, and other related equipment. The insurance policy also covers third-party liabilities arising out of any damage caused by the drone.
Directorate General of Civil Aviation (DGCA) initially offered coverage to drones within the Visual Line of Sight (VLOS) and in the daytime. However, the recent guidelines now include coverage beyond VLOS.
Public authorities have used drones for health surveillance activities in Covid-affected areas to ensure social distancing. Hence, under the Indian drone regulations imposed by the Ministry of Civil Aviation and Directorate General of Civil Aviation, insurance companies can sell comprehensive drone insurance to any drone operator using it commercially. An operator can opt for hull and liability coverage as well.
Here are the drone liability insurance coverage provided in India by the insurers:
Here are the add-ons provided under the commercial Drone Insurance Policy in India:
Here are the steps that the insured will have to take to raise the claim under Drone flying insurance policy:
Inform the insurer as soon as the accident or damage takes place.
Make sure to inform the insurer within 24 hours of the incident.
The insurer will appoint a surveyor to inspect how much damage has been caused by the drone.
The insurer will begin the process of claim settlement after the survey report is submitted by the surveyor.
Here is a list of documents required to raise a claim under Drone operator insurance:
Here are the following insurance companies that have started offering Aerial Drone Insurance Policies:
Here is a list of documents required to purchase a drone accident insurance policy in India:
As per Rule 44 of Drone Rules, 2021, it is mandatory for all drone owners that weigh more than 250g must have third-party insurance. Provisions of the Motor Vehicle Act of 1988, apply to the third-party insurance of Drones and compensation in case of any damage caused to the third-party property or life.