Usually fly my phantom in the street and we live on the edge of a housing estate which backs onto miles of fields. Just usually fly upto 400 feet and mess with the camera. Never had any problems with neighbours and usually passers by always stop and chat and ask about it. Havent had any complaints, although this evening a lady / chav probably in her early 40's walking a dog passed comment saying she didnt know how i dared fly it in the street incase it crashed, at this I let go of the controller and told her it flys its self being a simple stoke girl she believed me and carried on walking and past my neighbour just down the street who her dog instantly took dislike to and tried take a chunk out of his leg. i was tempted to pass comment on dangerous dog walking but restrained myself as she was probably in the right! Never bothered with insurance for my phantom but if anyone could give me the name of a company that insures and is reliable, and a ball park figure on cost would be appreciated, just want cover incase i damage a car or someones head.