Kobe Drone Insurance

Read the review for Kobe Drone Insurance and get covered.

If you use drones as part of your business, you may already be aware of the risks you and your business are exposed to every time you launch a Remote Piloted Aircraft (RPA). Flying drones recreationally carries some of the same risk.

For example, in Australian law you are responsible for all damage caused by your Unmanned Aerial Vehicle (UAV) no matter who is at fault.

Kobe – a licensed insurance broker and underwriting agency, respectively - have teamed up to offer comprehensive insurance to help manage the risks associated with using UAVs in your business.

Available coverage

Under the Damage by Aircraft Act, owners and operators have strict liability both jointly and individually. This means: both the owner AND the person maneuvering the UAV are responsible for damage caused by the drone regardless of fault.

Whether you need Aircraft Hull and/or Liability coverage our drone insurance can be custom tailored to meet your specific needs.

Physical loss

Comprehensive Aircraft Hull insurance through Kobe covers loss or damage to your UAV and its payload including:

  • Loss of or damage to UAS (and spares) in flight or on ground
  • Theft from a locked vehicle or from premises
  • Loss or damage to spares

Third party liability

Also available are cover for legal liability to third parties (up to $20,000,000), covering:

  • Bodily injury, privacy or property damage
  • Inc.ground control station
  • Noise liability

Special features

Other available benefits not offered by other carriers include:

  • Cover for non-business use to maintain flying skill
  • Cyber (loss of digital assets)
  • Worldwide (excl. USA & other sanctions countries)
  • No requirement to name operators on the policy

Coverage also available for:

  • Aviation Hull War/War Liability,
  • Employers Liability
  • Operators Indemnity

Why Kobe is different

Kobe makes getting started simple with an online application process. Just fill out the online proposal and within 24-hours you'll receive a free quote.

The expert team at Kobe can help you be sure you get exactly the coverage you need for your entire business – not just flying risk. The insurance is backed by Tokio Marine Kiln, one of the largest aviation insurers and the first to offer dedicated RPA coverage, in the Lloyd's market.

Strong partnerships with Australian RPAS trade and regulatory associations also ensure Kobe is always up to date and at the leading edge of the industry.

Additionally, customers get complimentary access for one user to the enterprise compliance platform FlyFreely. This service can help you better manage necessary flight time and maintenance logs.

When will and won't a benefit be paid?

Should you need to report a claim, make sure to do this as soon as possible, after taking precautions to prevent further damage to people or property. If your drone is stolen, report the incident to the police as well.

Be aware though, you must be sure to operate your UAV in a manner aligned with your insurer. If a claim occurs because of recklessness or while breaking air safety regulations you benefit may not be paid.

Also, in order to be paid you need logs and flight data, as well as battery cycles and maintenance records to prove what happened and that the aircraft is well maintained.

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