Unmanned Aircraft System (Drone) Protection Insurance Plan
Our Plan applies to both pleasure or/and commercial use(s), offering two different plans:
• Basic plan: third-party liability protection
• Extended plan: third-party liability and physical damage protection
Why should you choose this plan?
Plan overview
| Use of the drone(s) | Cover both pleasure and/or commercial use |
| Geographical coverage | Hong Kong |
| Policy duration | 1 day/1 week/3months/1 year* |
| Maximum number of drones covered | 5 drones |
| Maximum number of operators covered | 5 named operators |
Benefit table
| Coverage |
Sum insured/Limit of liability (HKD) | |
| Basic plan |
Extended plan | |
| Section 1 – Against physical damage to the drone (inclusive of detachable payloads and non-detachable payloads) | Not applicable | 20,000/50,0004 |
| Section 2 – Against third-party legal liabilities | 5,000,000/10,000,000 | |
Learn more
- Notify us (the Insurer) immediately and give us all the assistance we may reasonably require;
- Supply at your own expense, full details of the claim in writing including any supporting evidence and information that we may require within 30 days of the occurrence of the circumstance; and
- As soon as reasonably possible, send to us any writ or summons issued against you
1 Deductible applies to both Section 1 and Section 2 of the policy. The insurer shall not be liable for the first HKD 1,000 or 10% of the adjusted loss (whichever is the greater) for each and every loss, unless otherwise specified in policy schedule.
2 The depreciation table below is applicable to Section 1 (coverage against physical damage to the Unmanned Aircraft System (Drone)). In cases where the drone is totally destroyed, the Insurer will pay the amount for replacement of the drone (such amount will include costs for erection, customs duties and dues, if any, provided that such expenses have been included in the sum insured of the Policy) after deducting from such amount the applicable depreciation value in accordance with the depreciation table below. The Insured shall provide supporting evidence on the amount spent for the replacement of the drone to the satisfaction of the Insurer.
Depreciation table
| Duration (from the date of purchase of the UAS) | Depreciation rate |
| 0 – 12 months | 20% of the Invoice Price or 20% of the sum insured, whichever is lower |
| 13 – 24 months | 40% of the Invoice Price or 40% of the sum insured, whichever is lower |
| 25 – 36 months | 50% of the Invoice Price or 50% of the sum insured, whichever is lower |
| 37– 48 months | 60% of the Invoice Price or 60% of the sum insured, whichever is lower |
| 49 – 60 months | 65% of the Invoice Price or 65% of the sum insured, whichever is lower |
| 61 months and above | 70% Invoice Price or 70% of the sum insured, whichever is lower |
3 Detachable payloads means photographic/video equipment or any other equipment carried by the drone that is removable and/or interchangeable from the drone. Non-Detachable payloads means photographic/video equipment or any other equipment carried by the drone that forms an integral part of the drone and is not removable nor intended to be removed from the drone.
4 Please ensure that the amount of sum insured is adequate for the cost of replacement of the drone(s) to be covered.
* The available coverage period may vary; please consult us or your agent for inquiries.
The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.
If you have any queries regarding the product above, please leave your information in the form below and we will contact you in two working days.