I checked with my insurance company in detail how they handle drone covering before i even lifted the thing off the ground this summer. The person there had no clue so they checked their policies and called me back the next day.
So it is included in my home insurance as a hobby device, like a bicycle or snowboard. They weren't very picky about how the drone breaks or disappears. Nor did the say a word about flight logs or solid proof that it flew away and was never found or recovered.
150€ is the excess and they will pay the difference of the total sum on the fly more combo original receipt 1430€. I asked what about all the other stuff whats in the fly more combo box, they did'nt care. No questions asked (they claimed). It's all the same, crash, water accident, taken by storm, falls down from the sky, bird accident or anything else, they explained to me.
Oh and also, every full year from the date of purchase they reduce the items value 10% of the full price when bought.
If i crash, lose or break it, whatever the reason, they pay me 1280€. No talk about extra batteries 90€/piece, RC ~220€, bag 90€, gimbal&camera ~220€.
But what they say and what they pay are often different things. I anyway fly without any worries, if something happens, I'll deal with it then.
P.s. Broke a 55" TV once, sent them the original receipt and a picture of the broken tv(screen), not more than 2 weeks and the TV:s original price -150€ Excess and they paid me 849€ to my account.
I live in Finland.
