Welcome to PhantomPilots.com

Sign up for a weekly email of the latest drone news & information

New DJI Phantom 2 hobbyist.. Insurance?

Discussion in 'General Discussion' started by David DJI H, May 15, 2014.

  1. David DJI H

    Joined:
    May 8, 2014
    Messages:
    31
    Likes Received:
    0
    Location:
    Suffolk, UK.
    I live in out in the countryside in the UK, flying the DJI responsibly as a hobby and sticking to the rules..

    But, how would I get a public liability insurance, just in case it did drop on someone or something?

    David H
     
  2. IrishSights

    Joined:
    Jan 14, 2014
    Messages:
    1,410
    Likes Received:
    37
    Location:
    Bangor, Northern Ireland, UK
    Where are you in the world?

    Sent from my Galaxy Note 8
     
  3. David DJI H

    Joined:
    May 8, 2014
    Messages:
    31
    Likes Received:
    0
    Location:
    Suffolk, UK.
    UK...
    I just edited my post... :D
     
  4. IrishSights

    Joined:
    Jan 14, 2014
    Messages:
    1,410
    Likes Received:
    37
    Location:
    Bangor, Northern Ireland, UK
    I joined fpvuk.org. You get insurance as part of the membership. Very cheap! I had to go for a 6 month one then 1 year there after. Its just the way they work.

    Sent from my Galaxy Note 8
     
  5. IrishSights

    Joined:
    Jan 14, 2014
    Messages:
    1,410
    Likes Received:
    37
    Location:
    Bangor, Northern Ireland, UK
    Sorry go to http://www.fpvuk.org/store its only £4.05 for 3 months, then about £16 or so for the next year. £5m cover.

    Sent from my Galaxy Note 8
     
  6. IrishSights

    Joined:
    Jan 14, 2014
    Messages:
    1,410
    Likes Received:
    37
    Location:
    Bangor, Northern Ireland, UK
    Also covers for Europe

    Sent from my Galaxy Note 8
     
  7. David DJI H

    Joined:
    May 8, 2014
    Messages:
    31
    Likes Received:
    0
    Location:
    Suffolk, UK.
    Many thanks to you.

    Excellent info,

    Cheers...
     
  8. FC40 Pilot

    Joined:
    Feb 20, 2014
    Messages:
    108
    Likes Received:
    0
    Location:
    UK
    I would also checkout BMFA insurance and compare like for like. Its not about the premium/initial cost but more about the cover you get if you are unfortunate to need it. Cheers
     
  9. QYV

    QYV

    Joined:
    Apr 1, 2014
    Messages:
    1,814
    Likes Received:
    7
    Location:
    NYC
    that's cool! If anybody know of anything like that for the US please share
     
  10. tonben

    Joined:
    Mar 17, 2014
    Messages:
    23
    Likes Received:
    0
    Location:
    NYC
    +1

    I'm also interested in U.S based insurance info.

    Tony........
     
  11. IrishSights

    Joined:
    Jan 14, 2014
    Messages:
    1,410
    Likes Received:
    37
    Location:
    Bangor, Northern Ireland, UK
  12. markn

    Joined:
    Apr 30, 2014
    Messages:
    26
    Likes Received:
    0
    If you already have a homeowners or rental owners liability policy in the US, coverage for your liability while flying any type of remote controlled model aircraft would likely be available under those policies if done so for recreational means. If you are flying it for any business purpose, the business liability policy would likely cover you for both damage to others property or physical injury.

    Check with your agent first, before having to spend a few extra dollars else where. Plus these policies provide the cost to defend you if someone makes a claim against you, not sure the club policies do, or defense costs may be part of the limit. Often the defense costs are greater than the indemnity costs paid to someone with a lacerated finger or say a scar on their face from a spinning prop gone out of control.
     
  13. IrishSights

    Joined:
    Jan 14, 2014
    Messages:
    1,410
    Likes Received:
    37
    Location:
    Bangor, Northern Ireland, UK
    I know in the UK home insurance policies do not cover PL insurance I.e. for damage done by RC craft to 3rd parties or property. You might get the craft itself covered for loss, but its all in the specifics.

    Generally RC craft are not specificly mentioned in our home insurance small print. Therefore its open to the assessor or underwriter to detemine if your claim is valid. Its a pretty good bet that claims from damage from RC craft would relatively rare compared to the common claims.

    If you go for Club type insurance you know you have specific cover. Is it really worth the risk, afterall its only £16 or $25 equivalent a year? Not sure exactly what it cost in the US though.

    Sent from my Galaxy Note 8
     
  14. QYV

    QYV

    Joined:
    Apr 1, 2014
    Messages:
    1,814
    Likes Received:
    7
    Location:
    NYC
    oh come on, for the same reason we have a thousand "Vision or non-Vision" theads.. it's easier to just ask than search :)

    thx for the info heh. $1500 for a lifetime membership is tempting
     
  15. Phantom_Menace66

    Joined:
    May 8, 2014
    Messages:
    469
    Likes Received:
    2
    Location:
    Perth, Western Australia
    £5,000,000 Cover? Can I come over there, you slash me to ribbons with the props & we'll split the insurance 50/50. What do you say... Partner? Lol
     
  16. IrishSights

    Joined:
    Jan 14, 2014
    Messages:
    1,410
    Likes Received:
    37
    Location:
    Bangor, Northern Ireland, UK
    What about going commercial where its £10 million standard. :) You get insured too and we can slash each other lol

    Sent from Samsung S4 via Tapatalk
     
  17. Phantom_Menace66

    Joined:
    May 8, 2014
    Messages:
    469
    Likes Received:
    2
    Location:
    Perth, Western Australia
    Lol... It'd be quite a sight. One at either end of the street duelling it out with Phantoms.... ha ha ha
     
  18. JPSLV

    Joined:
    Apr 7, 2014
    Messages:
    73
    Likes Received:
    0
    Location:
    Beverly Hills, CA
    I have State Farm and they won't add the Phantom 2 to my business insurance
     
  19. The English Guy

    Joined:
    May 14, 2014
    Messages:
    81
    Likes Received:
    0
    I checked a couple weeks ago, my house insurance ( ALLSTATE) covers liability for any damage my rc models may do.
     
  20. JPSLV

    Joined:
    Apr 7, 2014
    Messages:
    73
    Likes Received:
    0
    Location:
    Beverly Hills, CA
    If you're 50 miles from home, your insurance will cover you if you crash it in someone's house window?
    What if you crash it in a lake?
    What if your hurt someone and they sue you? There's a video at a wedding photo shoot, the guy takes off and crashes into the groom who finished the day with a mark on the face and the head.

    http://www.youtube.com/watch?v=ocqB6_y71xE 2 million hits on youtube...
    Lucky he was close: 50 meters further and it would have had more time to be at full speed.
    What if the guy sues for $10,000 + lawyer fees?
    Some of the flying groups/membership like AMA have insurance. I wrote them to see. Waiting