Features of National Insurance Drone Insurance
The available product information highlights:
- Drone Hull Protection: Cover against damage to the hull resulting from accident or theft.
- Third-Party Liability: Protection against third-party liability arising from drone operations.
- Operator Protection: Personal Accident and hospitalisation cover for the operator.
- Specialised Extensions: Night Flying and BVLOS endorsements are among the covers associated with the product.
- Risk-Based Pricing Factors: Maximum take-off weight, flying zone, command and control link, drone cost and usage are considered as rating factors.
National Insurance Drone Insurance: Inclusions
Based on the published product information, the policy provides:
- Hull Damage: Protection against damage to the drone hull resulting from an accident.
- Theft: Cover against theft of the drone.
- Third-Party Liability: Cover for third-party liability arising from drone operations.
- Personal Accident: Protection for the drone operator.
- Hospitalisation: Hospitalisation-related cover for the operator.
- Night Flying and BVLOS: Endorsements are available for these operations.
Disclaimer: The complete policy wording should be referred to for detailed coverage conditions and applicable limits.
National Insurance Drone Insurance: Exclusions
The National Drone Insurance Policy may not provide coverage for losses or damages arising from certain situations. Some common exclusions include:
- Wear and Tear: Normal wear and tear, deterioration or gradual damage to the drone may not be covered.
- Mechanical or Electrical Breakdown: Loss or damage resulting from mechanical or electrical breakdown, unless covered under the policy terms, may be excluded.
- Improper Use: Loss or damage arising from the use of the drone in violation of applicable regulations, safety requirements or policy conditions may not be covered.
- Unlawful Operations: Claims arising from operations that are illegal or not permitted under applicable aviation regulations may be excluded.
- War and Related Risks: Loss or damage arising from war, invasion, civil unrest or similar events may not be covered.
- Consequential Loss: Indirect losses such as loss of income, profit or business opportunities may not be covered unless specifically included in the policy.
Disclaimer: The above exclusions are indicative. Coverage and exclusions are subject to the terms, conditions, exclusions and applicable endorsements of the National Drone Insurance Policy.
How to Raise a Claim Under National Insurance Drone Insurance?
In case of loss or damage to the insured drone, the policyholder should inform National Insurance as soon as possible and follow the prescribed claim procedure. The general process includes:
- Inform the Insurer: Notify National Insurance about the incident and provide details of the loss or damage.
- Register the Claim: Submit the claim through the applicable National Insurance claim channel.
- Provide the Documents: Submit the required policy, drone and incident-related documents along with the claim form.
- Submit Loss Details: Provide information regarding the date, location and circumstances of the incident, along with details of the damage or loss.
- Inspection/Assessment: The insurer may arrange for inspection or assessment of the drone and the reported loss.
- Cooperate During Assessment: Provide any additional information, records or documents requested during the claim assessment.
- Claim Settlement: Once the claim is assessed and found admissible under the policy terms, National Insurance will process the claim settlement as per the applicable policy conditions.
Note: The exact claim procedure, documentation requirements and timelines may vary depending on the nature of the claim and the coverage selected.
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The available product information states that the policy covers drone hull damage from accident or theft, third-party liability, personal accident and hospitalisation of the operator.
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Yes. Third-party liability is one of the covers identified for the National Drone Insurance Policy.
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Yes. The product information identifies Personal Accident and hospitalisation cover for the operator.
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Night Flying and BVLOS endorsements are identified among the available covers for the product.
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Published information identifies maximum take-off weight, flying zone, command and control link, drone cost and usage as rating factors.
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