Insuring your drone: basics


It’s a bird, it’s a plane, it’s - a drone!

Over the last few years, drones have taken off in popularity becoming one of the most sought after tech toys on the market. With the high price tag that comes with this hobby, it’s certainly something we think is worth protecting. So, we’ve put together some tips and advice on the best ways to protect your drone, under your contents insurance, which can help save you money and time.


Why do I need 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 (including any parts and accessories) is covered under your contents policy for the amount you paid for it, up to a maximum of $5,000. However, if your drone is used for business purposes, it is covered up to $3,000 unless you choose to increase your policy limit for business tools and professional equipment.

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.


How can I save on my insurance?

There are several ways you can reduce your premiums without skimping on cover, such as increasing your excess, excluding benefits you don’t need, or making sure you’re receiving all the discounts you’re entitled to. Some insurers offer a discount if you have more than one eligible policy with them (like our Multi Policy Discount). Having your policies with the one insurer also means that at claim time, you will only need to deal with one insurer and pay only one excess if it’s for the one event.


Our top tips for keeping safe when operating your drone

  • Before flying over any private property, ensure sure you have the owner’s permission.
  • In public areas, you’ll need your local council consent to fly your drone overhead. Air Share 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 of New Zealand (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

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