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Drone insurance

Drones are used today in numerous sectors: inspections, photography, surveying, security, construction, agriculture, and industrial applications. But professional drone use also carries risks. p>An accident during flight, damage to third parties, or a technical fault can quickly lead to significant costs and liability claims. 

That is why Van Dessel developed the VD Drones insurance: a specialized insurance solution for professional drone users. 

With VD Drones, you benefit from insurance that is tailored to the practicalities and regulations of professional drone use.

droneverzekering

What is drone insurance?

The VD Drones insurance is designed for professional drone use and combines various coverages that provide protection during your activities. 

Among other things, the insurance can cover: 

  • Third-party liability for damage caused to others during drone flights
  • Damage to the drone and accessories (hull coverage)
  • Legal defence in case of damage claims 

The solution takes into account the specific risks and legal obligations faced by professional drone operators. 

What are the benefits?

Covers liability claims for damage to third parties. 

Covers damage to your drone and accessories. 

Covers legal support for damage claims and disputes. 

Covers professional activities carried out within the applicable legal and regulatory framework.

Who is this insurance for?

VD Drones insurance is exclusively intended for professional drone operators with a Belgian company registration number, including:

  • Drone operators
  • Photographers and videographers
  • Construction and inspection companies
  • Surveyors and engineering consultancies
  • Agricultural businesses
  • Industrial companies
  • Security and surveillance companies
  • Facade and roof cleaning specialists

The solution is suitable for self-employed professionals, SMEs and larger businesses that use drones for professional purposes. Private or recreational drone use is not covered by this insurance.

What is covered and what is not?

What is covered?

  • Third-party damage caused during drone operations
  • Damage to the drone itself
  • Theft of or damage to the drone
  • Legal defence costs in the event of liability claims

What is not covered?

  • Intentional damage
  • Flights carried out in breach of applicable legislation
  • Operations conducted outside authorised geozones
  • Normal wear and tear
  • Mechanical or technical failure without an external cause

How much does this insurance cost?

The premium depends on various factors, such as: 

  • The type 
  • The value of the drone
  • The number of drones 
  • The selected coverages (liability, hull, and legal assistance)
  • The insured amounts 
  • Specific applications or operations 

Professional drone use requires a proper risk analysis and tailored liability coverage. 

Van Dessel will guide you in choosing a solution that is balanced in terms of protection and premium. 

Stories from our customers

Van Looy Accountants
Van Looy Accountants Client testimonial

Strengthening each other in supporting entrepreneurs.

DEBA Meubelen
DEBA Meubelen Client testimonial

Generations of craftsmanship, generations of trust.

Groep Waaslandia
Group Waaslandia Client testimonial

Moving forward together in a sector that is constantly evolving.

Group De Ceuster
Group De Ceuster Client testimonial

Supporting international growth with uniform risk management.

Our promise to you

Personal & involved

a tailor-made partner

We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.

Expertise & experience

already 80 years in insurance

Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.

Customization & innovation

beyond standard insurance

No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.

Would you like to receive a quote?

Do you use drones professionally within your company and want to make sure your activities are properly insured? 

Or are you looking for specialized insurance tailored to drone regulations and liability? 

Our specialists are happy to advise you and provide a clear quote tailored to your activities. 

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Need help? Contact us.

Didn't find the answer to your question, or would you like to discuss your situation with a specialist? Our colleagues are happy to help you.

Prefer faster help? Check out our frequently asked questions.

Is drone insurance mandatory?

Yes. For professional drone use, liability insurance is mandatory according to European and Belgian regulations. 

Am I insured for damage to third parties?

Yes. The insurance can provide coverage if your drone causes damage to third parties, within the limits of the policy conditions. 

Is damage to my drone itself also covered?

Yes, provided you choose a policy with comprehensive insurance, damage to the drone itself can also be covered. 

Is the insurance also valid abroad?

Yes. The geographical coverage is specified in the policy. For civil liability, coverage is usually worldwide, excluding the United States and Canada.

Can I insure multiple drones under one policy?

Yes. Multiple drones can generally be included under the same insurance policy. 

VD Drones is a product of insurer Baloise Belgium.

Drone insurance is designed for businesses and self-employed professionals. It covers civil liability for damage caused to third parties through the use of drones. Material damage to your drones can also be insured as optional cover.

Different terms and conditions apply to federation members and non-federation members.

Summary of the cover provided

For detailed information regarding the rights and obligations of the insurance company and the insured, please consult the general and/or special terms and conditions relating to the selected insurance product.

Basic cover – damage to third parties (Civil Liability)

  • Non-contractual civil liability
  • Contractual civil liability, provided that it arises from an event that could in itself give rise to the insured’s non-contractual civil liability
  • Bodily injury and material damage combined
  • Consequential financial loss
  • Damage caused to third parties by borrowed personnel
  • Damage caused to third parties by a trainee pilot
  • Noise nuisance and disturbance to neighbours following an accident
  • Hacking cover
  • Environmental pollution up to a maximum of EUR 1,000,000

Optional cover – material damage (Casco)

  • All risks: insured devices are covered against any accidental and sudden material damage and theft, except for the specific exclusions stated in the General and Special Terms and Conditions
  • Equipment and accessories are insured, whether attached to or separate from the drone
  • Cover for flights carried out by a trainee pilot
  • Cover for loss of visual material up to a maximum of EUR 25,000
  • Cover for natural disasters up to a maximum of EUR 250,000

Summary of the main risks NOT covered by the insurance

For detailed information regarding the rights and obligations of the insurance company and the insured, please consult the general and/or special terms and conditions relating to the selected insurance product.

Specifically for third-party damage cover (Civil Liability): pure financial loss and non-consequential financial loss.

For both covers, damage:

  • resulting from intentional acts or gross negligence
  • resulting from a flight carried out without the necessary permits or licences, qualifications, technical knowledge, human resources or equipment
  • resulting from a flight over prohibited areas such as prisons, nuclear facilities, etc.
  • caused during or by the transport of goods or persons, the dropping of objects or spraying during flight
  • caused during or as a result of a breach of applicable privacy regulations
  • resulting from normal wear and tear

General terms and conditions and contractual documents

The general terms and conditions of this insurance product can be found here.

You must read this document before accepting or signing the financial product. The document is available via the link above or can be requested from our office.

Legal information and complaints procedure

Belgian law applies to the insurance contract.

Country of origin of the product manufacturer: product offered by Baloise Belgium NV, Posthofbrug 16, 2600 Antwerp.

Place where you can obtain a quotation together with a premium calculation: Verzekeringskantoor Van Dessel NV, Misstraat 112, 2590 Berlaar.

The product has a term of one year. After the expiry date, your policy is automatically renewed for successive periods of one year unless you (2 months’ notice) or we (3 months’ notice) terminate the policy by registered mail, bailiff’s writ or delivery of the termination letter against acknowledgement of receipt, subject to the aforementioned notice periods.

Any complaint relating to this offer or the insurance contract may be addressed to the internal complaints department of Verzekeringskantoor Van Dessel NV, Misstraat 112, 2590 Berlaar, info@vandessel.be.

If you do not agree with the outcome of your complaint, you may submit a complaint to the Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels, tel.: 02/547 58 71; fax: 02/547 59 75; info@ombudsman-insurance.be; www.ombudsman-insurance.be. Complaints must be submitted in writing. Submitting a complaint does not affect the policyholder’s right to initiate legal proceedings.