The short answer
Personal liability under UK home contents (typically £2m) covers hobby drone use — third-party property damage and injury — provided you flew within CAA rules. Commercial use, racing and any flight breaching the Drone and Model Aircraft Code voids cover. Damage to the drone itself needs specialist cover.
Frequently asked
- Do I need a Flyer ID?
- Yes for drones over 250g. Insurers expect CAA compliance as a condition of liability cover.
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