How is flying skill going to prevent something like a theft? The personal article policy covers this. If you want to run the risk of having to pay $1000 out of your pocket if your drone gets stolen, that is your choice. For others, it's worth paying $60 and not worrying about paying. Or look at it this way... you could pay for insurance and as long as you had one total loss within 16 years, you'd come out better with insurance. It's actually even longer as $60 will get you around $2000 of insurance so you can be covering many other things for that same cost.
You talk about one person's loss and that insurance companies are in the business to make money. I'm not sure you are considering how insurance works.[/QUOTE
Son I understand insurance. I went to college on a golf scholarship and if my clubs were stolen that was a big event! Thank goodness I couldn’t fly my clubs because that would be a much bigger risk! Are you starting to understand risk now???