For more on this side of the insurance industry:
Drone insurance protects people and companies who use flying devices that are controlled remotely or operated independently, such as drones, model aircraft, or others. Those who need it include:
As of mid-2024, there were over 600,000 registered drone users in the UK. This shows just how quickly drone use is rising.
Insurance helps cover costs linked to accidents, damage, theft, and injury caused during drone use—whether for fun or work.
In 2024, a DJI M30T drone got stuck in telephone wires during a flight in South Yorkshire. The drone was damaged and caused disruption in the area.
It had to be recovered by a professional team, which likely cost the operator a lot of money. If the drone had been insured, the owner could have claimed for damage to the drone and recovery costs.
Farmers are using drones to check crops and animals which can help insurers write clearer policies and settle claims faster. Insurers are also using drones after storms to assess damage quickly and cut costs.
TV and film crews want short-term drone cover with global use which can lead to new policy options. But there are also concerns that brokers must review:
Drones with lithium-ion batteries can overheat or catch fire, especially during charging or transport. AI drones can also crash if they misread data or commands.
Anyone flying a drone in the UK should have the right insurance. If the drone is used for work or earns money, third-party cover is required by law.
For hobby flying in the UK, drone insurance is not required but is still a smart choice. It can help cover costs if the drone causes injury, damage, or gets lost.
Common types of drone cover include:
Drone coverage should match how the drone is used. Brokers can help clients pick the right cover for their needs.
Yes, most drone users must register with the Civil Aviation Authority (CAA).
A person needs an Operator ID to own a drone, and a Flyer ID to fly one. These are required if the drone has a camera or weighs 250g or more.
Hobby insurance may start from £24 to £49 a year, depending on the provider and cover limits. Commercial drone insurance usually costs more, starting from £132 a year, with some offering pay-as-you-fly options.
Short-term cover may also be available from £18 for two days. But remember that the actual cost relies on many factors.
Beyond PL, drone insurance can include several extra types of protection. These are useful for drone users with expensive kit or complex needs. Such policies include:
These extras can be useful for both hobby and commercial flyers. Brokers should check which ones match the client's type of flying.
Yes—DJI drones can be insured in the UK through many providers. Both hobby and commercial users can get drone insurance to safeguard against damage, loss, or claims.
DJI drones can sometimes be tracked using the DJI Fly or DJI Find My Drone tools. But tracking is not always reliable due to:
This is why coverage for drones is still important, even if tracking is possible.
Yes, drones can fly over private property if they follow CAA rules. Pilots must stay a safe distance and avoid recording without permission.
Flying too close to people, homes, or gardens may break privacy laws. Local councils may also set extra flying limits.
No, drones cannot fly over motorways. It is banned under safety laws and may void drone insurance if something goes wrong.
