Flock, a government-backed drone insurance start-up, has expanded its presence by unlocking its ‘pay-as-you-fly’ insurance and safety smartphone app to recreational drone pilots.
Up until now, the company’s Flock Cover app has been available to commercial and training pilots in the UK, of which over 1,000 have registered on the platform since it launched in December.
Now those who fly drones as a hobby can also use the mobile app to receive a real-time risk report for their flight, and purchase on-demand Public Liability Insurance, underwritten by Allianz, from just £3.
Each policy is customised to the individual flight, with the pilot selecting their drone model and flight area, in a 500m radius. A risk-dependent quote is then instantly generated by Flock’s proprietary algorithms, which analyse the pilot’s risk profile alongside real-time and geospatial data within the selected flight area.
The Flock Cover app incentivises lower-risk flights with cheaper insurance policies, and makes this insight completely visible to pilots, who can use Flock’s Flight Planning tool to see when and where it’s safest to fly their drones within a 10-day period.
Flock’s new product announcement follows news that the amount of recreational drone activities taking place in the UK is continuing to soar, with the CAA estimating that over 1.5 million units were sold in the UK over the 2017 Christmas period alone.
Ed Leon Klinger, CEO of Flock commented: “Understanding the risks associated with drone flying is vitally important. Flock Cover is the first pay-as-you-go insurance product that allows any type of pilot to insure their flight for the price of a coffee. And Flock’s dynamic risk map allows pilots to easily understand their surrounding environment, too.”
He added: “With over 1,000 commercial users on the platform already, we couldn’t be happier to be opening Flock Cover up to to the general public alongside some brilliant partners in the drone industry.”
Antton Peña, Flock’s head of product, said: “Insurance shouldn’t be confusing or arduous. It should be simple and fair. That’s what we’ve achieved with Flock Cover.”
Improving drone safety is central to Flock’s mission, and this has driven the company to make the factors that help to determine policy prices transparent to their users. A detailed risk-report is generated for each flight, which displays real-time information, such as weather conditions, temporary restricted airspaces, and nearby airports.
Flock is also promoting awareness of the CAA’s Drone Code to every user of the app. Prior to take-off, a visual slideshow illustrating the six Drone Code rules is displayed, educating pilots about how to fly safely and legally.
Jonathan Nicholson, the CAA’s assistant director of communications, said: “We absolutely welcome Flock’s promotion of the Drone Code as it’s vital that drone users are aware of the safety rules. Drones have amazing potential but for that to be realised we need everyone flying a drone to follow the simple safety rules.”