Features of Bajaj General Drone Insurance
The key features of Bajaj General Drone Insurance include:
- Drone damage protection: Cover can be opted for physical loss or damage to the insured Drone.
- Multiple peril options: Coverage can include accident, theft, breakdown and burglary, depending on the selected cover.
- Personal Accident and Medical Expenses: Optional protection is available for the insured/authorised operator.
- Public Liability: Cover can be selected for liability arising from covered drone operations.
- Specialised extensions: Additional covers include cyber liability, invasion of privacy, night flying, BVLOS, transit and mysterious disappearance.
Bajaj General Drone Insurance: Inclusions
The policy provides coverage, subject to the options selected in the Policy Schedule, for:
- Accidental Damage: Physical loss or damage to the insured Drone arising from an Accident.
- Theft: Loss of the insured Drone due to theft.
- Breakdown and Burglary: These can be covered under the named-perils section.
- Public Liability: An optional extension is available for public liability.
- Operator Protection: Personal Accident and Accidental Medical Expenses covers are available for the authorised operator.
- Additional Drone Covers: Cyber Liability, Invasion of Privacy, Night Flying, Drone in Transit, BVLOS and Mysterious Disappearance covers are available as extensions, subject to the applicable terms and premium.
Disclaimer: This is not a complete list of inclusions. Coverage is subject to the options selected, Policy Schedule, terms, conditions and exclusions.
Bajaj General Drone Insurance: Exclusions
Key exclusions include:
- Wear and tear, deterioration, depreciation and freezing.
- Damage to payload equipment due to scratching, fogging or misting of lenses, except where arising from accidental damage as specified.
- Damage caused when the manufacturer's recommended lifting weight is exceeded with a payload attached.
- Mysterious disappearance or unexplained loss unless specifically opted as an extension.
- Consequential losses such as loss of profit, business interruption or loss of goodwill.
- Night flying and BVLOS operations unless specifically covered through the applicable endorsements.
Disclaimer: Please refer to the policy wording for the complete list of exclusions.
Bajaj General Drone Insurance: Claim Process
In case of loss or damage:
- The claim is assessed based on the applicable coverage and Policy Schedule.
- Where the Drone can reasonably be repaired, the repair/reinstatement cost is considered subject to the applicable deductible and Sum Insured.
- For a total loss or Constructive Total Loss, the payable loss is determined according to the policy's specified settlement basis.
- Bajaj General may, at its discretion, repair, reinstate, refurbish or replace the damaged Drone instead of making a cash payment.
- In the event of a total loss settlement, the insurer may retain the salvage.
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Depending on the cover selected, it can cover accidental damage, theft, breakdown and burglary of the insured Drone, along with optional extensions.
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Yes, Public Liability is available as an extension subject to the terms and Sum Insured selected.
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They can be covered through specific endorsements and an additional premium, subject to the applicable conditions.
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Yes, Mysterious Disappearance Cover is available as an extension on payment of additional premium.
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Yes. The policy provides an optional Accidental Medical Expenses Cover for the authorised operator, subject to the Policy Schedule.
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