Hobbyist and Recreational Drone Insurance Comparison

Several different types of insurance are available for hobbyist drone operators conducting recreational flights.

Public Liability Insurance will cover you against claims made by third parties. It can cover things such as legal expenses or compensation claims if members of the public suffer personal injury or property damage because of your drone. Different levels of Public Liability cover are available. The amount of protection they offer you varies from £1,000,000 up to £25,000,000

Other types of insurance are available that will cover your equipment against Accidental Damage, Theft, Loss and Flyaways. A flyaway can occur when you lose the remote controller connection with your drone, or the control of your drone, and it flys away on its own and is not recoverable.

In some cases your existing Home Insurance provider may already cover your drone equipment as they tend to class it as a camera. However, making a claim against your home insurance for the loss of a drone is something that will need careful consideration. If you make a claim on your home insurance this will need to be declared at the time of renewal, or at the time of taking out a new policy with a different provider. In some cases your premiums will increase because of your previous claim(s). This increase in premiums for the next five years may total more than the cost of a replacement drone.

Manufacturer Drone Insurance is a bespoke insurane policy offered by a limited number of drone manufacturers. These policies usually cover you in the event of a crash or flyaway and will replace your lost or damaged drone with refurbished unit. Manufacturer cover is sometimes only available to drones that have been activated in the last 48 hours and in other cases is available if other critera are met such as providing a video of the drone in good working order.

This comparison covers only hobbyist / recreational insurance. Commercial insurance cover is not detailed here.


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Public Liability Drone Insurance Cover


CompanyLevel of CoverAnnual FeeGADC MemberGADC DiscountNotes
BMFA £25,000,000 £38.00 No No
Drone Cover Club £12,000,000 £29.95 @DroneCoverClub Yes
Eversure £1,000,000 £30.00 No No Legal expenses cover is an additional £10
Eversure £5,000,000 £80.00 No No Legal expenses cover is an additional £10
Eversure £10,000,000 £100.00 No No Legal expenses cover is an additional £10
FPVUK £5,000,000 £19.99 @FPVUK No Includes Article 16 Operational Authorisation
Photoguard £5,000,000 £69.00 No No

Accidental Damage, Theft, Loss and Flyaway Drone Insurance Cover


CompanyLevel of CoverAnnual FeeExcessFlyaway CoverGADC MemberGADC DiscountNotes
Coverdrone £750 £75.60 £100 Yes No No Includes £1m Public Liability. Additional cover for ground-based equipment (ipads, laptops, cameras, etc) also available
Coverdrone £1,000 £95.20 £100 Yes No No Includes £1m Public Liability. Additional cover for ground-based equipment (ipads, laptops, cameras, etc) also available
Coverdrone £1,500 £134.40 £100 Yes No No Includes £1m Public Liability. Additional cover for ground-based equipment (ipads, laptops, cameras, etc) also available
Coverdrone £2,500 £184.80 £100 Yes No No Includes £1m Public Liability. Additional cover for ground-based equipment (ipads, laptops, cameras, etc) also available
Drone Cover Club £750 £159.95 £50 Yes @DroneCoverClub No Membership also required. See additional fee in PLI table above
Drone Cover Club £1,500 £249.95 £50 Yes @DroneCoverClub No Membership also required. See additional fee in PLI table above
Drone Cover Club £2,500 £369.95 £50 Yes @DroneCoverClub No Membership also required. See additional fee in PLI table above
Drone Cover Club £5,000 £659.95 £50 Yes @DroneCoverClub No Membership also required. See additional fee in PLI table above
Eversure £750 £68.72 £100 No No No Drone must be recoverable in order to claim
Eversure £1,500 £88.00 £100 No No No Drone must be recoverable in order to claim
Eversure £2,250 £120.54 £100 No No No Drone must be recoverable in order to claim
Moonrock £549 £57.99 £100 Yes No Yes Includes £1m Public Liability. Includes defence/legal costs and expenses. Cover valid throughout the United Kingdom and EU
Moonrock £949 £89.99 £100 Yes No Yes Includes £1m Public Liability. Includes defence/legal costs and expenses. Cover valid throughout the United Kingdom and EU
Moonrock £1,699 £149.99 £100 Yes No Yes Includes £1m Public Liability. Includes defence/legal costs and expenses. Cover valid throughout the United Kingdom and EU
Photoguard £750 £22.46 £200 No No No
Photoguard £1,500 £37.81 £200 No No No
Photoguard £2,500 £62.31 £200 No No No

Manufacturer Drone Insurance Cover


MakeModelCostExcessFlyaway CoverNotes
Autel Evo II 6K Pro £189.00 £169 No Maximum of two replacements per year. Second replacement drone excess £199. If purchasing more than 48hrs after activation the drone must be shipped to USA for physical inspection first.
Autel Evo II 8K £189.00 £159 No Maximum of two replacements per year. Second replacement drone excess £179. If purchasing more than 48hrs after activation the drone must be shipped to USA for physical inspection first.
DJI Air 2S £89.00 £109 Yes Maximum of two replacements per year. Second replacement drone excess £129. Flyaway excess is £449
DJI FPV £189.00 £249 No Maximum of two replacements per year. Second replacement drone excess £269
DJI Mavic 2 £109.00 £99 No Maximum of two replacements per year. Second replacement drone excess £109
DJI Mavic Air £89.00 £79 No Maximum of two replacements per year. Second replacement drone excess £109
DJI Mavic Air 2 £79.00 £69 Yes Maximum of two replacements per year. Second replacement drone excess £99. Flyaway excess is £379
DJI Mavic Mini £35.00 £39 No Maximum of two replacements per year. Second replacement drone excess £45
DJI Mavic Pro £99.00 £79 No Maximum of two replacements per year. Second replacement drone excess £129
DJI Mini 2 £45.00 £45 Yes Maximum of two replacements per year. Second replacement drone excess £55. Flyaway excess is £209

Further Information

You may have an insurance requirement that is not listed here. If so, please discuss your requirements with Grey Arrows Drone Club members.

From 31st December 2020 commercial drone flights require dedicated commercial insurance. This is not covered in this guide.

Are you an insurance service provider and want to be featured on this guide? If so, please email the Grey Arrows Drone Club Committee to discuss further.


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