Do you need insurance cover for your drone?

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Do you need insurance cover for your drone?

Why do I need insurance cover for my drone?

Insurance is designed to give you peace of mind should something unforeseen happen. It’s relatively well known that accidents can and do happen when operating a drone, even with the most skilled drone operators. Without insurance, you may need to pay for repairs or replacement out of your own pocket, because no matter how careful you are, you can’t control the outcome of an accident, theft or fire.

 Is my drone covered under my contents policy?

If you’re an AA Insurance customer your drone is covered under your contents policy for the amount you originally paid for it (excluding accessories) up to a maximum of $1000. It pays to check the details of your cover with your insurer, to make sure you are adequately insured.

It also pays to consider any exclusions that apply. For example, AA Insurance doesn’t cover you for legal liability in an incident caused by your operation or ownership of a drone. So, if you accidentally fly your drone into someone’s kitchen window and damage their property, you won’t be covered for the damages. Also, if you’re a professional that uses a drone for business purposes, then it’s worth noting that it won’t be covered under your AA Insurance contents insurance policy.

Our top tips for keeping safe when operating your drone

  • Before flying over any private property, ensure you have the owner’s permission. 
  • In public areas, you’ll need your local council consent to fly your drone overhead. has compiled a list outlining local New Zealand council regulations that will help you understand what’s permissible when flying your drone in public areas in your neighbourhood. 
  • The rules of Civil Aviation Authority (CAA) state you must not fly your drone higher than 120 meters (400 feet) above ground level 
  • Always make sure you have visual contact of your drone (with your own eyes, don’t rely on using binoculars or other visual aids, it’s best to use your naked eye) 
  • Make sure you read the full CAA operating rules.

The Drone Warehouse does not sell Insurance. This article is courtesy of AA Insurance.

Please see your insurance provider for more information.



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