| Q: | How do I know the number of policy days I have remaining on my Pay As You Fly+ policy to use my Insured Flying Days? |
| A: | The days remaining on your policy are always shown in your FlyCovered account. Log into your FlyCovered account and select FLIGHT PLANNER. You will find them in the bar above the calendar, along with the number of Insured Flying Days you have remaining in your account and the policy days you have remaining to use them. The remaining number of policy days and Insured Flying Days are also shown on your latest Certificate of Insurance and in the the My Documents section of Manage My Policy. Found In Pay As You Fly + |
| Q: | How do I know the number of Insured Flying Days I have available on my Pay As You Fly+ policy? |
| A: | The number of Insured Flying Days you have available are always shown in your FlyCovered account. Log on and select FLIGHT PLANNER, they are shown in the bar above your calendar. They are also shown on your latest Certificate of Insurance and in the the My Documents section of Manage My Policy. If you need more days you can purchase them by selecting BUY DAYS. Found In Pay As You Fly + |
| Q: | What is the minimum and maximum number of Insured Flying Days I can book on an Pay As You Fly+ policy? |
| A: | The minimum term is one day, cover will end at 23:59 Hours (Local Time At Your Address) on the booked day. The maximum term is the number of Insured Flying Days you have available on your account. If you book a period of continuous days, cover will end at 23:59 Hours (Local Time At Your Address) on the last day. Should you book one day on the same day you need flight cover for, cover will end at 23:59 Hours (Local Time At Your Address) the same day. Found In Pay As You Fly + |
| Q: | I need more in-flight cover how do I buy additional Insured Flying Days? |
| A: | You can buy these through your FlyCovered account and it only takes a couple of minutes. Log into your account and select Buy Days. Select the number of days you wish to buy and proceed to payment. When you need buy additional Insured Flying Days we ask you to pay for them in full at the time of purchase by Credit or Debit card. If you are paying by Direct Debit, Insured Flying Days can not be added to the instalment plan and have to be paid by Credit or Debit card. Found In Pay As You Fly + |
| Q: | Do I receive a new Insurance Schedule when I buy additional Insured Flying Days? |
| A: | We issue a new Schedule showing both the additional and the total number of Insured Flying Days you have available, and the policy days you have remaining to use them. Found In Pay As You Fly + |
| Q: | When I purchase a Pay As You Fly policy with more than 1 drone on the policy are 30 days allocated to each drone. |
| A: | No. The 30 days are allocated to the policy. You can fly one or all of the insured drones on the booked insured flying day upto the maximum number in the air at one time selected in the application process. Found In Pay As You Fly + |
| Q: | Can I choose a different PIN number after I have purchased a policy? |
| A: | Sorry no. We ask you to keep the same PIN number you were allocated when you purchased your policy. If you forget your PIN we can send you a PIN reminder. From the Booking Page select - 'Forgot PIN' we will send a reminder to the email address linked to your account. You will receive the reminder in a couple of seconds. Found In Pay As You Fly + Frequent Flyer |
| Q: | What is a Policy Schedule and when do I receive it? |
| A: | This is the document that the administrator sends you by email when you purchase this policy. It includes but is not limited to your details, the premium paid, the insured drone, and the sections of cover applicable to your policy. If you have a Pay As You Fly+ it will show the total number of Insured Flying Days available at the time of purchase. A revised Schedule will only be issued when there are variations to the terms and conditions of this policy and should you purchase any additional Insured Flying Days.
Found In Pay As You Fly + Frequent Flyer |
| Q: | I have a Pay As You Fly+ policy, am I restricted to the number of hours I can fly on an Insured Flying Day? |
| A: | No not at all. You can fly as many hours as you wish on any Insured Flying Days you have booked, up until 23:59 Hours (Local Time At Your Address) the same day. If you have booked consecutive days you are covered until 23:59 Hours (Local Time At Your Address) on the last day. Found In Pay As You Fly + |
| Q: | Can I cancel a FlyCovered policy at anytime and will I receive a return premium? |
| A: | You can cancel any FlyCovered policy at anytime by notifying the administrator. If you cancel your policy before the start date, the premium paid by you will be returned in full. If you cancel during or after the cooling off period, the return premium due to you will be calculated at a proportional daily rate, depending on the number of policy days you have remaining. If you are cancelling after a renewal, we will not return any premium for Insured Flying Days rolled over from an expiring Pay As You Fly+ policy. If you have made a claim the full premium is due. Cancellation after the policy start or renewal date is subject to a £25 administration fee. Full cancellation terms are available in the policy wording and our Terms of Business and Conditions. Found In Pay As You Fly + Frequent Flyer |
| Q: | Can I cover hired in equipment? |
| A: | Yes.When you hire in any equipment you add them to the policy through your online account and remove them when you have finished the hire. You don't want them on the policy and paying for them for the full term when you don't have use of them. Log into your account Go to manage my policy Add Drone (you will need the value and serial number) You will be quoted for the remaining term of the policy pay this amount. ( If you need a daily rate divide this premium by the remaining days on the policy. You will receive a return premium when the hired in equipment is removed. You must have a hiring agreement with the owner of the drone Found In Pay As You Fly + Frequent Flyer |
| Q: | What are Rollover Days and how do they work? |
| A: | Rollover Days are part of our Pay As You Fly+ policy. We are the first company to introduce Rollover Days to insurance to help you avoid wasting any premiums you have paid. If you have any unused or unbooked Insured Flying Days remaining in your Pay As You Fly+ account at your renewal date, we automatically Rollover up to 7 unused Insured Flying Days. This could give you up to 37 Insured Flying Days to use during your next policy period if you renew your policy with us. The Rollover Days have no value should you cancel your policy following any renewal. Rollover days cannot be moved between policy types; for example you are unable to move rollover days from an Pay As You Fly policy to an Annual Policy. Found In Pay As You Fly + |
| Q: | Who do I contact if I have need to make a claim? |
| A: | How To Make a Claim To start the claim process please provide the following information by Email to: [email protected] Or Call 0333 370 8105 available 24 hours a day, 365 days a year. The loss adjuster will need: Your Contact Details Your Policy Number. The Date of the incident. Aircraft Registration. Particulars of the incident and the subject of the claim. Pilots details We suggest collating the following additional information for the loss adjuster to avoid any delay in completing your claim. Any log books, or other records in connection with the aircraft, pilots and the insured flight. Proof of valid qualifications you hold. Any police crime reference number following a theft or malicious damage to any aircraft or equipment. Following any claim: Do not make any admission of liability, offer, or promise payment without written consent from the loss adjuster. Contact the police immediately regarding any theft or malicious damage. Do not act in any way to the detriment of or prejudice the interest of your insurers. Inform the loss adjuster immediately of any letters or documents relating to the claim; or notice of any impending prosecution or civil action you may receive. Do not agree to any replacement or repair of items without written agreement from the loss adjuster. The loss adjuster or the insurer reserves the right to request additional documentation or information as required. Note: To avoid any delays or issues with your claim, please ensure you provide any requested information and supporting documents. The loss adjuster can only process your claim efficiently once they have everything they need. The more detail and evidence you provide, the smoother and faster the process will be.
Found In Pay As You Fly + Frequent Flyer |
| Q: | What do I need to do following an incident that could result in a claim under my policy? |
| A: | How To Make a Claim To start the claim process please provide the following information by Email to: [email protected] Or Call 0333 370 8105 available 24 hours a day, 365 days a year. The loss adjuster will need: Your Contact Details Your Policy Number. The Date of the incident. Aircraft Registration. Particulars of the incident and the subject of the claim. Pilots details We suggest collating the following additional information for the loss adjuster to avoid any delay in completing your claim. Any log books, or other records in connection with the aircraft, pilots and the insured flight. Proof of valid qualifications you hold. Any police crime reference number following a theft or malicious damage to any aircraft or equipment. Following any claim: Do not make any admission of liability, offer, or promise payment without written consent from the loss adjuster. Contact the police immediately regarding any theft or malicious damage. Do not act in any way to the detriment of or prejudice the interest of your insurers. Inform the loss adjuster immediately of any letters or documents relating to the claim; or notice of any impending prosecution or civil action you may receive. Do not agree to any replacement or repair of items without written agreement from the loss adjuster. The loss adjuster or the insurer reserves the right to request additional documentation or information as required. Note: To avoid any delays or issues with your claim, please ensure you provide any requested information and supporting documents. The loss adjuster can only process your claim efficiently once they have everything they need. The more detail and evidence you provide, the smoother and faster the process will be.
Found In Pay As You Fly + Frequent Flyer |
| Q: | What are Insured Flying Days? |
| A: | Insured Flying Days are the days when the drone is covered for in-flight risk. These days must be selected and booked through your FlyCovered account before you are insured for any in-flight risks. Found In Pay As You Fly + |
| Q: | How many drones can I insure on a FlyCovered policy? |
| A: | We can quote on and cover a maximum of 10 drones on one policy. Found In Pay As You Fly + Frequent Flyer |
| Q: | Can I have more than one drone in the air at anytime? |
| A: | Yes but you need to have informed us of the maximum number of drones that will be in the air at one time during the application process. You should have also selected UAS Operators Indemnity to be added to your policy. This covers the third party liabilities of any qualified pilot authorised by you to operate the insured drone. This cover is required should you need to have additional pilots operating your drones. Found In Pay As You Fly + Frequent Flyer |
| Q: | What are free Insured Flying Days and in-flight cover? |
| A: | Free Insured Flying Days are part of our Premium Guarantee. If your premium spend, including the purchase of any Insured Flying Days, equals or is more than the annual drone premium we quoted you when you purchased your Pay As You Fly+ policy, we automatically credit your FlyCovered account with FREE Insured Flying Days until your policy renews. This is activated if you need to buy an additional 30 Insured Flying days. You will still need to book Insured Flying Days to add in-flight cover through your Pay As You Fly+ account but you won't be charged for these days. Found In Pay As You Fly + |
| Q: | How many Insured Flying Days can I buy on my Pay As You Fly+ policy? |
| A: | You can buy as many Insured Flying Days as you wish. We will inform you of the daily rate when you purchase your policy. If you purchase 30 additional days, your account will be credited with unlimited Insured Flying Days until your renewal date. Found In Pay As You Fly + |
| Q: | I have more than one drone insured on my policy, can I fly all of the drones on the same day? |
| A: | Yes you can. PLEASE NOTE If you have stated on your application that only one drone is in the air at anytime you can only fly one drone at a time. If you need to fly more than one insured drone at the same time, this should have been declared during the application process or you need to notify us that you need cover for more than one drone in the air at the same time. The number of drones you are covered to fly at one time is shown on your insurance schedule. Found In Pay As You Fly + Frequent Flyer |
| Q: | If I have a qualified pilot named in my operations manual will they be able to use the Insured Flying Days on my account? |
| A: | Yes they will. The named policyholder has to book the Insured Flying Days days through the FlyCovered account before any in-flight cover is in place. Found In Pay As You Fly + |
| Q: | If I buy additional Insured Flying Days and then cancel my policy, do I receive a refund for those days I haven't used? |
| A: | Should you buy Insured Flying Days for your Pay As You Fly+ policy but cancel your policy before you use them all, we will give you a pro rata return premium for those days. This will be added to the pro rata return premium for the remaining period you have left on your policy. Found In Pay As You Fly + |
| Q: | What is the FlyCovered Premium Guarantee and Price Cap and how does it work? |
| A: | If you choose a Pay As You Fly+ policy but fly more than you expected, more than 60 days, we guarantee that you won't pay any more than the annual premium we quoted you when you purchased your policy. Our system keeps a record of your premium and any additional Insured Flying Days you purchase. If your total premium spend equals the annual premium we quoted you when you purchased your policy, we automatically credit your FlyCovered account with FREE Insured Flying Days until your renewal. You will still need to book Insured Flying Days through your FlyCovered account to have in-flight cover but you won't be charged for these days. Found In Pay As You Fly + |
| Q: | Do you charge a fee if I make changes to my policy? |
| A: | We will not charge you an administration fee when you make any mid term adjustments to your policy, that may or may not create an additional premium, unless you make more than 20 changes in any policy year. We then reserve the right to charge you £15 for any additional changes above that number. Should you or the insurer cancel your policy during or after the cooling off period we will charge you a £25 cancellation fee. We reserve the right to charge an administration fee of £20 and remove the right to pay by Direct Debit, should you fail to make an agreed payment. Found In Pay As You Fly + Frequent Flyer |
| Q: | How do I book an Insured Flying Days on a Pay As You Fly+ policy to cover my drone in-flight? |
| A: | You book them through your FlyCovered account, it takes two minutes. Log into your account and go to FLIGHT PLANNER. The days you can book are shown in green on the calendar. Click on the day you need in-flight cover, a booking screen will appear. Enter your PIN and select BOOK to confirm the booking. When you have booked Insured Flying Days you will receive a Certificate of Insurance by email; this will confirm the drone and the time and date you are insured for in-flight cover. A drone icon will be shown on the days you have booked. If you need to insure consecutive days repeat the process. Found In Pay As You Fly + |
| Q: | I have just renewed my policy and I can't book a day. |
| A: | Ok you may be using the wrong account. If you have renewed your policy early IE prior to the renewal date please use your old account until the renewal date. Log in with your old policy number until your renewal date. After your renewal date use the new policy details. Found In Pay As You Fly + |
| Q: | When can I buy additional Insured Flying Days for my Pay As You Fly+ policy? |
| A: | You can buy them at anytime during the policy period. We suggest that you only buy the days you need and not have more than 10 in your account at any one time. Found In Pay As You Fly + |
| Q: | What happens if I book Insured Flying Days but I am unable to use them? |
| A: | We know plans can change and have catered for that. You can cancel booked Insured Flying Days through your FlyCovered account. The Insured day(s) have to be cancelled before 23:59 Hours (Local Time At Your Address) the day before you intended to fly. The cancelled days will be credited to your FlyCovered account and there is no cost for doing this. If you do not cancel before 23:59 Hours (Local Time At Your Address) you will lose that Insured Flying Day. Found In Liability only Pay As You Fly + |
| Q: | When I purchase a FlyCovered Pay As You Fly+ policy with more than one insured drone, will each drone receive 30 Insured Flying Days? |
| A: | No 30 Insured Flight Days are allocated to the policy for use across all insured drones. Found In Pay As You Fly + |
| Q: | When can I start booking insured flying days? |
| A: | When you have paid your premium in full, or if your paying by Direct Debit, when you have paid the deposit premium. You will then receive your welcome email with your FlyCovered account PIN. The email will have all the instructions on how to manage your account, including how to book Insured Flying Days and buy additional days when you need them. Found In Pay As You Fly + |
| Q: | What happens to unused Insured Flying Days at the end of the policy term and I do not renew my policy with you? |
| A: | Unfortunately any unused days will be lost if you do not renew your policy with us. If you renew your Pay As You Fly+ policy we automatically rollover up to 7 unused days to use during the next policy year. Found In Pay As You Fly + |
| Q: | How do I pay for additional Insured Flying Days? |
| A: | When you buy additional Insured Flying Days we ask you to pay for them in full at the time of purchase by Credit or Debit card. If you are paying by Direct Debit, Insured Flying Days can not be added to the instalment plan and have to be paid by Credit or Debit card. Found In Pay As You Fly + |
| Q: | Will a Pay As You Fly+ policy cost me more than your annual policy if I fly more than I expected too? |
| A: | Not with our premium guarantee and price cap. We guarantee that you won't pay any more than the annual premium we quoted you when you purchased your Pay As You Fly+ policy. Our system keeps a record of your premium and any additional Insured Flying Days you purchase. If your premium spend equals or is more than the annual premium we quoted you when you purchased your Pay As You Fly+, we automatically credit your FlyCovered account with FREE Insured Flying Days until your policy renews. You will still need to book Insured Flying Days through your FlyCovered account but you won't be charged for these days. Found In Pay As You Fly + |
| Q: | What are policy days? |
| A: | These are all the days that make up the period of insurance on a Pay As You Fly+ policy. Found In Pay As You Fly + Frequent Flyer |
| Q: | If I have a Pay As You Fly+ policy, can I book Insured Flying Days without an internet connection? |
| A: | Yes. Although this is an online insurance service we fully understand internet connections can be temperamental at times. If you are unable to get an internet connection, you can call our Customer Service Team on 0208 059 8542 lines are open 9am to 5pm, Monday to Friday. The team can access your account with your permission and book an Insured Flying Day for you. To do this they will request a selection of letters from your memorable word, they will never request the whole word. If you feel the area you will be booking Insured Flying Days from will not have any internet access, you can book days prior to arriving at the airport. Found In Pay As You Fly + |
| Q: | How much will additional Insured Flying Days cost me if I need them? |
| A: | The premium for each Insured Flying Day is calculated at a daily rate and is linked to your risk. The daily premiums will be provided with your quote and are always shown in your FlyCovered account. Found In Pay As You Fly + |
| Q: | Is Pay-As-You-Fly a traditional drone insurance policy? |
| A: | No, You have all the benefits of an annual policy you just add in-flight cover when you need it. All of your equipment is covered for theft and accidental damage, either in-transit or storage around the clock, you add in-flight cover online when you need it. The policy includes 30 days in-flight cover to use on the days you are flying. You can purchase additional in-flight cover at a fixed daily rate (not hourly) as you need it. Found In Pay As You Fly + |
| Q: | If I add a new drone to my Pay As You Fly+ policy will it be allocated 30 Insured Flying Days? |
| A: | No. The Insured Flying Days are allocated to the policy and are for use on all drones. Found In Pay As You Fly + Frequent Flyer |
| Q: | I have a Pay As You Fly+ policy, am I restricted to the hours I can fly on Insured Flying Days? |
| A: | No. You can fly as many hours as you wish on Insured Flying Days. Found In Pay As You Fly + |
| Q: | Where can I find the price of additional Insured Flying Days for my Pay As You Fly+ policy? |
| A: | We will inform you of the daily rate when you receive your quote, you will also find the daily rate in your welcome pack when you purchase a policy and in your FlyCovered account. Found In Pay As You Fly + |
| Q: | What policy add-ons are available? |
| A: | The following Add-ons are available and shown in bold text. UAS Operators Indemnity. Covers the third party liabilities of any qualified pilot authorised by you to operate the insured drone. This cover is required should you need to have additional pilots operating your drones.
Liability To UAS Operators. Covers your liability to any qualified drone pilot authorised by you to operate the insured drone excluding, employers' liability insurance.
Cyber Extension Loss of Digital Assets. This covers the costs you incur for the loss of digital assets as a direct result of damage, alteration, corruption, distortion, theft, misuse, or destruction of your digital assets directly caused by a computer virus, whether through malicious acts or non-malicious acts. The policy covers up to £10,000 each digital asset loss
Strikes, Malicious Acts And Hijacking. This covers any physical loss of, or damage to, drone and equipment following: strikes, malicious acts or hijacking.
Alternative Hire Costs.This covers any reasonable costs and expenses for hiring an alternative drone to complete any previously agreed contracts following loss or any physical damage to the drone. The policy covers a maximum period of 30 days hire or when hire costs reach £1,000 whichever occurs sooner
Buy Additional insured Flying Days (In-Flight Cover on Pay As you Fly Policies.If you use the 30 days Insured Flying Days included in your policy, you have the option to buy additional days if needed, we give you a fixed daily rate that's shown in your quote. No matter how many additional days you buy, you will never pay more than the annual policy we quoted you.
Found In Pay As You Fly + Frequent Flyer |
| Q: | How do I cancel booked Insured Flying Days on a Pay As You Fly+ policy? |
| A: | Log in to your account. Go to FLIGHT PLANNER in the menu bar. The booked days you can cancel are shown in amber on the calendar. Click on the day you need to cancel, a booking box will appear, select cancel. You will need to enter your PIN to confirm the cancellation. The drone icon for that day will be removed, your insurance for that day is then cancelled and your FlyCovered account credited with that day. For your FlyCovered account to receive a credit for the cancelled day, you must cancel it before 23.59 Hours (Local Time At Your Address) the day before you intended to fly. Found In Pay As You Fly + Frequent Flyer |
| Q: | What cover is provided on Insured Flying Days? |
| A: | When you have booked an Insured Flying Day your drones and detachable payloads are covered in-flight for physical damage or loss, unintentional flyaways and mid-air collisions. Your Liability to third parties is also covered. Liability cover is available from £1 Million to £50 Million to cover claims made against you for accidental property damage or injury to a member of the public whilst you are operating your drone, cover includes noise complaints and invasion of privacy. With the Pay As You Fly+ policy you have 30 days in-flight cover included in your premium to use when you need them. If you start cover on the same day it will be in place until midnight that day. Found In Pay As You Fly + Frequent Flyer |
| Q: | Can I get covered immediately after accepting my quote? |
| A: | Yes you can. Instant cover is available on all of our policies. If you have a Pay As You Fly+ policy you will need to book an Insured Flying Day to have in-flight cover. Found In Pay As You Fly + Frequent Flyer |
| Q: | Can I use any equipment with an internet connection to book Insured Flying Days or manage my account? |
| A: | Yes you can. The equipment must have the latest browsers installed. Older browsers have security issues and our system will not operate on them. You can also use your iPhone. Found In Pay As You Fly + |
| Q: | Can I fly before booking an Insured Flying Day? |
| A: | No, you must always book your Insured Flying Days before you start flying. You are only insured for in-flight cover after you have booked a day and you have received your certificate of insurance by email. Found In Pay As You Fly + |
| Q: | What is classed as a total loss? |
| A: | Any physical damage to the drone where in the reasonable opinion of the insurer: (a) the drone is damaged to such an extent that it cannot economically be repaired; or (b) the cost of repairing the drone is estimated to exceed the insured value; or (c) the drone cannot be located 14 days after: (i) the commencement of flight and arising from the activities covered; or (ii) the date on which the theft was reported to the insurer.
Found In Pay As You Fly + Frequent Flyer |
| Q: | Can any pilot named in my operations manual book a day? |
| A: | Not at the moment, this facility will be available soon. The person named as the insured on the Schedule has control of the drone flight planner. This will change soon and all named pilots will be able to book Insured Flying Days. You could give the operator your login details but we can't recommend you do that. Found In Pay As You Fly + Frequent Flyer |
| Q: | What is Alternative Hire Costs cover? |
| A: | This covers any reasonable costs and expenses you may have for hiring an alternative drone to complete any previously agreed contracts following physical damage to the drone. Cover is for a maximum period of 30 days or when hire costs reach GBP 1,000 each occurrence, whichever occurs sooner. Found In Pay As You Fly + Frequent Flyer |
| Q: | Does Pay As You Fly+ cover my equipment out of flight? |
| A: | Yes, all of your equipment is covered out of flight 24/7 for theft and accidental damage, either in-transit or storage around the clock. Other providers of Pay As You Fly or On Demand drone insurance may only cover your equipment on the days you have booked insurance cover. Found In Pay As You Fly + |
Call us on 020 8059 8542
Lines open 9am to 6pm, Monday to Friday.

