Drone Care (AU)

Simple affordable public liability and material damage cover for business and commercial drone operators.

Parameter Explanations

Parameter	Type	Description
`product`	String	The product slug: “dronecareau”
`name_of_insured`	String	The name of the main entity being covered
`name`	String	The name of the contact person at the insured entity
`email`	String	The email address for the contact person at the insured entity
`contact_phone_number`	String	The phone number for the contact person. Not required if `no_customer_contact` is `true`
`region`	String	The state the business is based in (3 letter code, e.g. “VIC”, “NSW”, “QLD”)
`stamp_duty_exempt`	Boolean	Only applicable when `region` is “NSW”. Should only be `true` if the insured is a Capital Gains Tax small business entity. Proof of this status may be required
`activity_type_percentages`	Object	The percentages for each type of activity undertaken. For each activity selected, the identifier is used as a key with the value being the percentage. The sum of all numbers must add up to 100.0. For example: `{"ambulance": 60, "survey": 40}`
`max_in_flight`	Integer	The maximum number of RPAS that will be operated in flight at the same time. Must be ≥ 1 and ≤ the total number of drones in `drone_items`
`liability_or_package`	String	The identifier for the selected coverage type. Options are “liability_only” for public liability only, or “package” for liability plus hull (material damage) cover
`liability`	String	The identifier for the selected public liability limit
`keep_premises_liability`	String	Whether to include premises liability cover. Values: “yes” or “no”, default to “Yes”
`drone_items`	Array[Object]	An array of RPAS to be insured. See Drone Item Structure below
`payload_items`	Array[Object]	Optional. Array of payload equipment items (cameras, sensors, etc.) to be insured. See Payload Item Structure below
`max_claim_payment_disclaimer_understood`	Boolean	Required if `liability_or_package` is “package”. Acknowledgement that the insured understands the maximum claim payment terms. Must be `true`. See below for the wording
`experience`	String	The identifier for the selected experience level, indicating CASA certification status and years of experience
`claims`	String	The identifier for the selected claims history option
`hull_deductible_percentage`	String	Required if `liability_or_package` is “package”. The identifier for the selected hull deductible percentage
`non_airborne_equipment_value`	Integer	Required if `liability_or_package` is “package”. The total value in AUD of non-airborne equipment such as ground control stations, laptops, etc. Must be ≥ 0
`non_airborne_equipment_specified_items_above_max`	String	Required when `non_airborne_equipment_value` exceeds $15,000. The identifier for the selected option confirming whether specified items will be provided
`non_airborne_equipment_specified_items`	Array[Object]	Optional. Array of individual non-airborne equipment items. See Non-Airborne Equipment Item Structure below
`rpas_spares_value`	Integer	Required if `liability_or_package` is “package”. The value in AUD of RPAS (drone) spare parts. Must be ≥ 0
`trailer_required`	String	Required if trailer cover is available for the selected activity types. Values: “yes” or “no”. The activity type options may include a `allow_trailer: true` option in the `data` attribute
`trailer_value`	Integer	Required if `trailer_required` is “yes”. The value in AUD of the trailer. Must be > 0
`trailer_registration_number`	String	Required if `trailer_required` is “yes”. The registration number of the trailer
`cargo_legal_liability`	String	The identifier for the selected cargo legal liability limit
`aerial_applicators_liability`	String	Required if any selected activity type is aerial application (crop spraying, etc.). The identifier for the aerial applicators liability limit. The activity type options may include a `require_aerial_applicators_liability: true` option in the `data` attribute
`duty_of_disclosure_confirmation`	String	The identifier for the duty of disclosure confirmation option. Confirms whether any special circumstances or history exist. See below for the question wording )
`duty_of_disclosure_confirmation_info`	String	Required if “yes” option selected for `duty_of_disclosure_confirmation`. An explanation to assist the underwriter
`policy_end_date`	String	Optional. Custom policy end date. See Products page for more info
`other_parties`	Array[Object]	Optional. Array of other parties to be included on the policy

Drone Item Structure

Each object in the drone_items array must have the following structure:

Field	Type	Description
`make`	String	The manufacturer of the drone
`model`	String	The model name/number of the drone
`serial_number`	String	The serial number of the drone. Must be unique across all drones
`value`	Integer	Required if `liability_or_package` is “package” and `liability_only` is `false`. The value of the drone in AUD. Must be > 0
`liability_only`	Boolean	Optional. If `true`, only liability cover applies to this drone (no hull cover). Cannot be `true` for all drones if fleet size > 1, and cannot be `true` if fleet size = 1
`maximum_take_off_weight`	String	Required. The identifier for the maximum take-off weight category of the drone
`expected_flying_hours`	String	Required. The identifier for the expected annual flying hours category

Payload Item Structure

Each object in the payload_items array must have the following structure:

Field	Type	Description
`make`	String	The manufacturer of the payload equipment
`model`	String	The model name/number of the payload equipment
`serial_number`	String	The serial number of the payload equipment. Must be unique across all payload items
`value`	Integer	Required. The value of the payload item in AUD. Must be > 0

Non-Airborne Equipment Item Structure

Each object in the non_airborne_equipment_specified_items array must have the following structure:

Field	Type	Description
`description`	String	Description of the non-airborne equipment item
`value`	Integer	Required. The value of the item in AUD. Must be > 0. The sum of all specified items must not exceed `non_airborne_equipment_value`

List of questions for `duty_of_disclosure_confirmation`

The following must be presented to the insured so they may answer “No to all”, or “Yes to one or more”

Please answer as appropriate:

Has any insurance been declined or cancelled, proposal/application rejected, renewal refused, claim rejected imposed by an insurer in the past 5 years?

Does the insured or partners or directors have charges pending or have been convicted of a criminal offence?

Will RPAS operations will be conducted outside of CASA regulations and those issued by other competent authorities that may affect my activities?

Will the RPAS be used for any recreational purposes?

Wording for the “Max Claim Payment” confirmation

The following must be presented to the insured when package is selected for liability_or_package. They must confirm before the quote can proceed.

Please confirm: Regardless of the value that you nominate for each drone – the maximum claim payment in the event of an accident will be the actual repair or replacement cost. Please ensure you review the sum insured to account for the RPAS depreciation. Please refer to The ATO website for further information.

Minimum Parameters to get a quote

{
  "product": "dronecareau",
  "region": "VIC",
  "liability_or_package": "package",
  "liability": "liability_5m",
  "experience": "experience_casa_under_10",
  "claims": "claims_none",
  "drone_items": [
    {
      "make": "DJI",
      "model": "Mavic 3",
      "serial_number": "123456",
      "value": 2000,
      "liability_only": false,
      "maximum_take_off_weight": "maximum_take_off_weight_under_20kg",
      "expected_flying_hours": "expected_flying_hours_under_500"
    }
  ],
  "max_in_flight": 1,
  "activity_type_percentages": {
    "survey": 100
  },
  "keep_premises_liability": "yes",
  "cargo_legal_liability": "cargo_legal_liability_10k",
  "hull_deductible_percentage": "hull_deductible_percentage_10",
  "non_airborne_equipment_value": 0,
  "rpas_spares_value": 0,
  "stamp_duty_exempt": false,
  "duty_of_disclosure_confirmation": "no",
  "max_claim_payment_disclaimer_understood": true
}

All Parameters (Package Cover with Multiple Drones and Payload)

{
  "product": "dronecareau",
  "name_of_insured": "Cust Drones Pty Ltd",
  "name": "Drone Cust",
  "email": "e@example.com",
  "contact_phone_number": "0400123123",
  "region": "VIC",
  "liability_or_package": "package",
  "liability": "liability_5m",
  "experience": "experience_casa_under_10",
  "claims": "claims_none",
  "drone_items": [
    {
      "make": "DJI",
      "model": "Mavic 3",
      "serial_number": "123456",
      "value": 2000,
      "liability_only": false,
      "maximum_take_off_weight": "maximum_take_off_weight_under_20kg",
      "expected_flying_hours": "expected_flying_hours_under_500"
    },
    {
      "make": "DJI",
      "model": "Inspire 2",
      "serial_number": "654321",
      "liability_only": true,
      "maximum_take_off_weight": "maximum_take_off_weight_under_30kg",
      "expected_flying_hours": "expected_flying_hours_under_250"
    }
  ],
  "max_in_flight": 1,
  "activity_type_percentages": {
    "ambulance": 100
  },
  "keep_premises_liability": "yes",
  "cargo_legal_liability": "cargo_legal_liability_10k",
  "hull_deductible_percentage": "hull_deductible_percentage_10",
  "non_airborne_equipment_value": 200,
  "rpas_spares_value": 400,
  "payload_items": [
    {
      "make": "Sony",
      "model": "A7R IV",
      "serial_number": "234234234",
      "value": 2000
    }
  ],
  "stamp_duty_exempt": false,
  "duty_of_disclosure_confirmation": "no",
  "max_claim_payment_disclaimer_understood": true
}

Liability Only Example

{
  "product": "dronecareau",
  "name_of_insured": "Drone Operations Ltd",
  "name": "John Pilot",
  "email": "john@example.com",
  "contact_phone_number": "0400555666",
  "region": "NSW",
  "liability_or_package": "liability_only",
  "liability": "liability_10m",
  "experience": "experience_casa_over_10",
  "claims": "claims_none",
  "drone_items": [
    {
      "make": "Autel",
      "model": "EVO II Pro",
      "serial_number": "AUT123456",
      "maximum_take_off_weight": "maximum_take_off_weight_under_20kg",
      "expected_flying_hours": "expected_flying_hours_under_250"
    }
  ],
  "max_in_flight": 1,
  "activity_type_percentages": {
    "search_and_rescue": 100
  },
  "keep_premises_liability": "no",
  "cargo_legal_liability": "cargo_legal_liability_none",
  "stamp_duty_exempt": false,
  "duty_of_disclosure_confirmation": "no"
}