Why take out drone insurance?

Drones are being deployed for more and more purposes. In TV series and films, for instance, we regularly see images made by a drone. In other branches of industry, such as construction and transport, drones have become a regular feature. Their use will only increase in the coming years, as will the risks attached to this. With VD Drone we offer a specialist solution to insure your drone.

What kind of risks does our drone insurance cover?

You are legally obliged to have your liability for damage to third parties insured when you use a drone. Besides that compulsory civil liability insurance, our solution also includes hull cover for your drone and legal assistance.

Highly competitive rates and good terms

Our independent position as brokers allows us to offer you the best terms on the market at highly competitive rates. For the legally required civil liability insurance you can choose between two sums insured:

  • 1 million euros
  • 2.5 million euros

A higher cover may be a good idea if the drone flights entail a greater risk and are therefore more likely to result in a larger claim.

Want to know how much drone insurance will cost you?

You can ask for a quotation using the form below. Our managers will send you a proposal that suits your needs within two working days.

GENERAL INFORMATION
INSURANCE DATA
You are not required to provide the serial number for your quote request, but we do need it to prepare your policy.
ADDITIONAL QUESTIONS
Are you a member of a drone federation?
Self-build
Do you use spray or liquids when flying your drone?
First person view
Main or backup drone
Categories
SELECT YOUR COVERAGE
Civil liability
Hull
Legal Aid

Our experts

Tim Verlinden

Tim Verlinden

Manager Specialty Lines

Contact

VD Drones is a product offered by insurance company Baloise Belgium.

Drone Insurance is an insurance policy intended for businesses and self-employed people, and covers the civil liability with regard to damage to third parties caused by the use of drones. As an option, the material damage to your drones can also be covered.

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

Brief description of the coverages offered

For detailed information on the rights and obligations of the insurance company and the insured, please refer to the IPID sheet and the general and/or special terms and conditions of the selected insurance product.

Federation members

Basic guarantee for damage to third parties (Civil Liability)

  • non-contractual civil liability
  • contractual civil liability, insofar as it arises from a fact that may in itself give rise to the non-contractual civil liability of the insured party
  • mixed physical and material damage
  • intangible consequential loss
  • damage to third parties caused by borrowed personnel
  • damage to third parties caused by trainee pilots
  • noise and neighbour nuisance after an accident
  • cover for hacking
  • environmental pollution, up to a maximum of EUR 1.000.000

Optional cover for material damage (Casco)

  • all risks: we insure the insured appliances against any accidental and sudden material damage and theft, except for the specific exclusions mentioned in the General and Special Terms and Conditions
  • equipment and accessories are also insured, both attached to the drone and detached from the drone
  • cover for flights performed by student pilots under training
  • cover for loss of image material, with a maximum of EUR 25.000
  • cover for natural disasters, up to a maximum of EUR 250.000

Non-federation members

Basic guarantee for damage to third parties (Civil Liability)

  • non-contractual civil liability
  • contractual civil liability, insofar as it arises from a fact that may in itself give rise to the non-contractual civil liability of the insured party
  • mixed physical and material damage
  • intangible consequential loss
  • damage to third parties caused by borrowed personnel
  • damage to third parties caused by trainee pilots
  • noise and neighbour nuisance after an accident
  • environmental pollution, up to a maximum of EUR 1.000.000

Optional cover for material damage (Casco)

  • all risks: we insure the insured appliances against any accidental and sudden material damage and theft, except for the specific exclusions mentioned in the General and Special Terms and Conditions
  • accessories are also insured, both attached to the drone and detached from the drone
  • cover for flights performed by student pilots under training

Brief description of the major risks NOT covered by the insurance

For detailed information on the rights and obligations of the insurance company and the insured, please refer to the IPID sheet and the general and/or special terms and conditions of the selected insurance product.

Federation members

Specifically with the guarantee for damage to third parties (Civil Liability): purely intangible damage, intangible non-consequential damage.

For both guarantees, the damage:

  • by intent or gross negligence
  • as a result of operating a flight without the necessary permits or licenses, authorities, technical knowledge, human or material resources
  • as a result of performing a flight over restricted areas, such as prisons, nuclear facilities, etc.
  • caused during or by the transportation of goods or persons, the shedding of objects or spraying during the flight
  • caused during/by a breach of the applicable privacy regulations
  • as a result of normal wear and tear

Non-federation members

Specifically with the guarantee for damage to third parties (Civil Liability): purely intangible damage, intangible non-consequential damage and damage caused by hacking.

Specifically in the case of the material damage guarantee: damage caused during transportation, loading and unloading, and damage resulting from a natural disaster. Damage to image material is not insured.

For both guarantees, the damage:

  • by intent or gross negligence
  • as a result of operating a flight without the necessary permits or licenses, authorities, technical knowledge, human or material resources
  • as a result of performing a flight over restricted areas, such as prisons, nuclear facilities, etc.
  • caused during or by the transportation of goods or persons, the shedding of objects or spraying during the flight
  • caused during/by a breach of the applicable regulations regarding privacy
  • as a result of normal wear and tear

General Terms and Conditions and Contractual Documents

The IPID sheet (Information document on insurance product) for federation members can be found here.

The IPID sheet (Information document on insurance product) for non-federation members can be found here.

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

The general terms and conditions of this insurance product for non-federation members can be found here.

It is essential that you review these documents before giving your approval to the financial product or signing it. The documents are available via the above links or can be requested from our office.

Legal Information and Complaints Management

The insurance contract is governed by Belgian law.

Origin of the product developer: product offered by Baloise Belgium NV, Posthofbrug 16, 2600 Antwerp.

Location where you can get a quote together with a calculation of the premium: Verzekeringskantoor Van Dessel NV, Misstraat 112, 2590 Berlaar.

The term of the product is one year. After the end date, your policy will be tacitly renewed for one year at a time, unless you (notice period of 2 months) or we (notice period of 3 months) cancel the policy by registered mail, by bailiff's writ or by delivery of the termination letter against receipt, subject to compliance with the aforementioned notice period.

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

If you disagree with the outcome of the complaint handling, you can submit a complaint to the VZW Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels; Tel No: 02/ 547 58 71; Fax No: 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 take legal action.

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