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 DiscountLast UpdatedNotes
BMFA £25,000,000 £40.00 No 13/03/2022
Drone Cover Club £12,000,000 £29.95 Yes 13/03/2022
Eversure £1,000,000 £30.00 No 13/03/2022 Legal expenses cover is an additional £10
Eversure £2,000,000 £40.00 No 13/03/2022 Legal expenses cover is an additional £10
Eversure £5,000,000 £80.00 No 13/03/2022 Legal expenses cover is an additional £10
Eversure £10,000,000 £100.00 No 13/03/2022 Legal expenses cover is an additional £10
FPVUK £5,000,000 £19.99 No 13/03/2022 Price includes Article 16 Operational Authorisation

Accidental Damage, Theft, Loss and Flyaway Drone Insurance Cover


CompanyLevel of CoverAnnual FeeExcessFlyaway CoverGADC DiscountLast UpdatedNotes
Drone Cover Club £750 £159.95 £50 Yes Yes 26/03/2022 Membership required (additional £29.95). Price quoted does not include GADC member discount
Drone Cover Club £1,500 £249.95 £50 Yes Yes 26/03/2022 Membership required (additional £29.95). Price quoted does not include GADC member discount
Drone Cover Club £2,500 £369.95 £50 Yes Yes 26/03/2022 Membership required (additional £29.95). Price quoted does not include GADC member discount
Drone Cover Club £5,000 £659.95 £50 Yes Yes 26/03/2022 Membership required (additional £29.95). Price quoted does not include GADC member discount
Eversure £750 £58.90 £100 No No 26/03/2022 Drone must be recoverable in order to claim
Eversure £1,500 £79.72 £100 No No 26/03/2022 Drone must be recoverable in order to claim
Eversure £2,500 £134.04 £100 No No 26/03/2022 Drone must be recoverable in order to claim
Moonrock £549 £57.99 £100 Yes Yes 26/03/2022 Includes £1m Public Liability cover, legal costs and expenses. Cover valid throughout the UK and EU. Price quoted does not include GADC member discount
Moonrock £1,169 £107.99 £100 Yes Yes 26/03/2022 Includes £1m Public Liability cover, legal costs and expenses. Cover valid throughout the UK and EU. Price quoted does not include GADC member discount
Moonrock £2,549 £219.99 £100 Yes Yes 26/03/2022 Includes £1m Public Liability cover, legal costs and expenses. Cover valid throughout the UK and EU. Price quoted does not include GADC member discount
Photoguard £750 £74.57 £200 No No 26/03/2022
Photoguard £1,500 £99.24 £200 No No 26/03/2022
Photoguard £2,000 £132.31 £200 No No 26/03/2022

Manufacturer Drone Insurance Cover


MakeModelCostExcessFlyaway CoverLast UpdatedNotes
Autel Evo II 6K Pro £145.00 £130 No 15/03/2022 Maximum of two replacements per year. First replacement drone excess £130. Second replacement drone excess £153.
Autel Evo II 8K £137.00 £122 No 15/03/2022 Maximum of two replacements per year. First replacement drone excess £122. Second replacement drone excess £137.
Autel Evo Lite £107.00 £107 Yes 15/03/2022 Maximum of two replacements per year. First replacement drone excess £107. Second replacement drone excess £114. Flyaway excess £421.
Autel Evo Lite+ £114.00 £114 Yes 15/03/2022 Maximum of two replacements per year. First replacement drone excess £114. Second replacement drone excess £123. Flyaway excess £459.
Autel Evo Nano £53.00 £53 Yes 15/03/2022 Maximum of two replacements per year. First replacement drone excess £53. Second replacement drone excess £61. Flyaway excess £245.
Autel Evo Nano+ £61.00 £61 Yes 15/03/2022 Maximum of two replacements per year. First replacement drone excess £61. Second replacement drone excess £76. Flyaway excess £306.
DJI Air 2S £89.00 £109 Yes 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £129. Flyaway excess is £449
DJI FPV £189.00 £249 No 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £269
DJI Inspire 2 £309.00 £219 No 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £339
DJI Mavic 2 £109.00 £99 No 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £109
DJI Mavic 3 £209.00 £139 Yes 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £169. Flyaway excess is £619
DJI Mavic 3 Cine £309.00 £209 Yes 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £249. Flyaway excess is £999
DJI Mavic Air £89.00 £79 No 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £109
DJI Mavic Air 2 £79.00 £69 Yes 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £99. Flyaway excess is £379
DJI Mavic Mini £35.00 £39 No 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £45
DJI Mavic Pro £99.00 £79 No 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £129
DJI Mavic Pro Platinum £129.00 £99 No 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £159
DJI Mini 2 £45.00 £45 Yes 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £55. Flyaway excess is £209
DJI Mini SE £26.00 £26 Yes 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £35. Flyaway excess is £129
DJI Phantom 4 Advanced £149.00 £119 No 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £179
DJI Phantom 4 Pro £159.00 £129 No 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £189
DJI Spark £59.00 £49 No 27/03/2022 Maximum of two replacements per year. Second replacement drone excess £69

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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