Get Gadget Insurance So You Do Not Have To Be Without Your Beloved Gadget For Very Long

Today, almost every person owns multiple gadgets, from laptops, mobile phones and cameras to eBooks, tablets, music players and GPS devices. While most of these devices provide trouble-free service for several years, it is the portable nature of these gadgets that can make them particularly vulnerable to damage, theft or loss when taken out and about. The only way you can protect yourself against the loss is to insure your gadget.

Think about it this way – if your gadget was damaged or stolen would you be able to stay without it for any length of time? If you are going to be devastated should something happen to your gadget it is a sure sign that you need to get gadget insurance.

Aren’t gadgets included in home insurance?

Not necessarily. There are a few home contents insurance policies that cover gadgets too but all don’t. If you are already paying premium for your home contents insurance, take time to read through the clauses carefully to see what is insured as well as the extent of protection you are likely to get.

If your gadget is not covered under your home contents insurance you should consider getting separate gadget insurance.

A good gadget insurance policy protects you against accidental and liquid damage, theft and loss and more.

How to Choose an Insurance Company That’s Right For You

Choosing the right insurance company should be top of your list when you are looking for gadget insurance. Without the proper due diligence you could end up with an insurance company that has a reputation for bad customer service.

Here are some of the things you should look for when choosing an insurance company for your gadget insurance:

• Is the company FCA regulated – If a company is FCA regulated it means that they operate to very high standards and are completely reliable. Insurance companies that are not FCA regulated may not be above board. That is not a chance you should be willing to make.

• Check the company’s rating – You can check the rating of any company today by using either a free or paid service. The ratings will give you a pretty good idea about the efficiency and trustworthiness of the company.

• Does the insurance company have a physical address – Having a physical address gives the customer confidence that there are real people operating the company and these people can be approached when necessary. When a company operates entirely through the internet without a physical address, who do you go to if you are looking for the answer to a question or if you need something to help you resolve a problem?

• Does the company have a plan that meets your needs? Each insurance company will have its own unique range of insurance plans. It is important to take your time and compare plans so you choose one that meets your needs and fits within your budget.

Tips on Drone Insurance

Why UAV Insurance?

Almost everything is insured. Our life, our houses, our vehicles and many more things which we value. The increase in drones, especially among the civilians has given the need to add drones in the list of insured items. If you are conducting business and earning money using drones, it is a wise idea to get your drone(s) insured. Even if you are not earning money and plan to earn in the future, even then it is a good idea to get insured. This will help you prevent paying out of pocket in the event an accident occurs.

Getting drones insured would also be good for your business. Your clients would feel secure and would want to do business with you. This would retain your clients as well as help in bringing new clients.

We all know that the applications of drone use have increased vastly from it’s original military use. Now, people are using drones for commercial use as well as individual purposes. In the near future, you will frequently see drones flying above you. With the increase in the number of drones, accidents are bound to happen. They could crash in a building, in another drone or worse, in a plane. Even now, pilots have reported about 25 near misses with drones. If this is the rate now, imagine what future rates will be?

Moreover, with the stealth nature of drones, many people might get offended when your drone hovers above their house or their office. They could then slap a lawsuit of invasion of privacy. The American Civil Liberties Union has even asked for rules concerning drone use to prevent the society into becoming a ‘surveillance society’. If this is the level of concern now, imagine what it will be in the future.

Types of UAV Insurance:

As of now, if you are not a commercial drone user, homeowner insurance would suffice. The catch is, however, that the drone must be flown over your own property and/or away from the public.

If you are a commercial user of drones, no matter how big your operations are, you will need to get your UAVs insured.

The amount of insurance depends on the use and the country in which it is being insured.

Drone Insurance:

Getting drone insurance is not that easy. You have to prove that you are serious about drone use. You have to prove that you have some sort of expertise in drone flying. This could include copies of operating manuals, records of sale and purchase of drones and drone parts and also proof of training.

Insurance Operations:

The majority of the insurance companies insure drones for the following operations only:

· Agriculture

· Archaeology

· Construction

· Emergency response

· Environment evaluation and monitoring

· Knowledge and information gathering

· Law enforcement

· Movies and documentaries

· Security

· Shipping and maritime

· Sites protection and surveillance

· Traffic patrol and assistance

· Transportation maintenance

Type of accidents covered:

Following are the accidents covered currently with various UAV insurance plans:

· Loss of drone

· Partial or complete damage of drone

· War

· Hijacking

· Terrorism

· Personal injury

· Fire

Cost of Insurance:

Drone insurance is basically split in two parts: liability and hull damage. In the liability type, these are the damages claimed by the third parties whereas hull damage is the damage related to your own drone. Generally, insurance policy for a liability goes up to $ 1 million while for hull damage it can go to $1500 per year. These are general quotes and specific ones may vary from company to company and drone to drone. Some companies provide insurance for liability only while other for hull damage and some for both.

Requirements of Insurance Brokers:

Insurance brokers also have some requirements. Generally, they would need the number of flying hours of the drone. The flying hours should normally be between 50 and 100. The drone owners are also required, in some cases, to hold the FAA 333 exemption. FAA 333 Exemption is a certificate issued by the Secretary of Transportation to operate in the National Airspace System. The insurance brokers also want to know whether the drone is owned or leased. They are curious as to whether the drone is able to automatically store the flight data etc. Lastly, they want to know the areas the drone has been flying and will fly in the future. They also check the website and last but not the least, want to know if any sort of training or certifications have been taken vis-à-vis drones.

Getting Insured:

When getting insured, first decide which company you want to go with. For that, you have to get quotes from several companies. And to get a quote from a company, you need to go to their website and fill out the quote form. The form will ask several questions related to the information about the owner, the type of coverage and the cost of equipment, operational locations and number of hours flown, training levels and number of previous accidents etc. After the form is filled, the particular company replies back with the quote. Once you have several quotes from several companies, you are better able to judge and you can apply to the company of your choice.

Insurance Companies:

Following is the list of some insurance companies who deal with drones. The list does not include all of the companies and might not include the best ones, but they are sufficient:

· Aerial Park


· Avion Insurance

· Avalon Risk Management

· Coverdrone

· Driessen Assuadeuren

· Harpenau Insurance Agency

· Sky Smith

· Sutton James Incorporated

· Unmanned Risk Management

So, this was a modest effort to inform you about how to go about getting your drone insured. In recap, those who want to just fly over their homes or clear of public and for recreational purposes do not need to get any type of drone insurance, as homeowner insurance will be sufficient. Those using UAVs for commercial purposes really need to get their drones insured and should consider getting their drones insured right now. Who knows with the passage of times maybe the laws pertaining to drone insurance will get much clearer and conformed across the insurance industry.

Drone Insurance and What Every Drone Owner Needs to Know

Insurance is the financial responsibility that is taken by a firm or person in case you damage someone’s property or cause harm in any way to another person. Insurance is important to own before you drive any manned vehicle and the same is true for unmanned aerial vehicles (UAVs). Insurance is a key aspect of risk management and can help your business get through legal complications resulting from unforeseen accidents caused by your drone.

The owners as well as the manufacturers and operators of drones are finally showing interest in learning about drone insurance. Drones are still in a developmental phase and there aren’t any specific rules and regulations governing their use. Therefore, there are a number of questions in the minds of the people regarding the insurance policies of these aerial vehicles. People want to know how the drone insurance is going to work. The following is a compilation of all the aspects that need to be kept in mind when it comes to drone insurance.

Is Drone Insurance Really Necessary

It is true that right now there are no implications for not having drone insurance. You can fly your drone even if it hasn’t been insured. However, it is becoming increasingly necessary to buy insurance for these aerial vehicles as they can cause some serious damage if they go out of control and cause an accident. Moreover, as the use of these drones increases, the authorities would most definitely make it compulsory for the drone owners to buy insurance before they can start flying them. Therefore, it is a good idea to buy drone insurance today so that you don’t have to worry about it at a later stage.

Criteria for Setting Premiums

The cost of drone insurance mainly depends on the level of danger that may be involved with the operation of the drone. Mostly, the choice of platform, the operator’s experience and the use of the drone is taken into consideration for estimating the coverage that the insurance company will provide you. If there is a higher possibility of an accident happening, the cost of insurance may go up. On the other hand, if the operator is an experienced one and the chances of a collision occurring are less, the premium amount might not be that high. So, when looking for a good drone insurance plan make sure that the drone you have is a safe one and is being piloted by an experienced professional.

Insurance Coverage

Every drone insurance plan is different. The coverage that is provided by the drone insurance will largely depend on the policy that you are buying and the company providing it. The areas that are covered by drone insurance plans are different for the owner and the manufacturer. For instance, most insurance plans for drones provide coverage to the owners for the legal liability and the physical damage caused by their drone either to a person or a property. This insurance will cover you for the following aspects:

· Personal injury: If your drone invades the personal space of your neighbor or some other person and ends up injuring them.

· Non- owned: If you happen to crash someone else’s drone that is not owned by you.

· Medical expenses: If your drone collides with a person, causing him/her injuries which require medical treatment.

· Premises liability: If your drone enters the premises of a person who does not like your drone invading his privacy.

· Damage to the UAS: Any damage sustained by the UAS during its flight either because of inclement weather condition or collision with an aerial object.

Factors to Consider When Choosing a Drone Insurance Provider

Drone insurance is a very important issue and thus it is vital that you choose your drone insurance provider very carefully. There are a number of insurance providers available in the market offering various plans for insuring your drone. However, not all of them are good. Some of the companies are only in this business to make money and don’t really care about their customers. If you want to find the best drone insurance provider then you will have to take into account the following factors:


The reputation of the drone insurance provider is of critical importance. You should only choose that insurance provider that has a good reputation among the people. The easiest way of finding out about the reputation of a drone insurance service is to have a look at the testimonials posted on its website. If the testimonials are generally positive then the company is a reputable one.


Reliability is also an important factor that should not be overlooked when it comes to choosing a drone insurance provider. Make sure that the company you are buying the insurance policy from is reliable and can be trusted with if you get into trouble with your drone.

No Hidden Cost

All the best drone insurance providers have a very clear and transparent price structure. They do not have hidden costs which are revealed when you need the insurance to cover you. To avoid such an instance, go through the terms and condition of the insurance provider with the help of an insurance lawyer to be sure that there aren’t any hidden costs mentioned in there.

Customer Support

Customer support is also an important aspect that should be given due importance if you want to find the best drone insurance provider. You should make sure that the insurance company you are dealing with has a responsive customer support staff that answers all your questions promptly.

In a nut shell, drone insurance is very important and it would be wise for you to buy it if you plan on using these aerial vehicles for personal or commercial use. However, choose only a reliable and reputable insurance provider to get your drone insured.