Coverage Purchase


Can I be insured if I don't have an OAN/DAN?

Sorry, OAN/DAN is a mandatory requirement for insurance purchases under the DGCA regulations. You must have a valid OAN/DAN before you purchase insurance through the TropoGo app.

Which type of Drones can be enrolled under the coverage?

Insurance can be purchased for Micro, Small, Medium, and Large drones. Nano drone insurance is not available at the moment.

Drone Category Weight
Nano Less than or equal to 250 grams
Micro Greater than 250 grams and less than or equal to 2 kg
Small Greater than 2 kg and less than or equal to 25 kg
Medium Greater than 25 kg and less than or equal to 150 kg
Large Greater than 150 kg

Are there any upfront costs?

There are no upfront costs for any purchase made on TropoGo. You only pay for the actual Coverage and for the actual duration for which you require the insurance.

What all will be covered under my Certificate?

The Insurer will indemnify the Insured for all sums which he shall become legally liable to pay, and shall pay, as compensatory damages (including costs awarded against the Insured) in respect of Accidental Bodily injury (fatal or otherwise) and accidental Property Damage to third party caused by the Remotely Piloted Aircraft (RPA) whilst such Remotely Piloted Aircraft (RPA) is being operated by the Insured subject to maximum of Limit of Indemnity mentioned on the Certificate of Insurance, which is currently being offered for Rs. 10,00,000.

What all activities can be covered under the Certificate of Insurance?

We can provide cover for drones being used for following commercial activities such as :

  • Festivals & event coverage
  • Property management & monitoring
  • Survey & mapping
  • Civil administration
  • Disaster relief
  • Travel & tourism
  • Education

Please declare the purpose for which you require coverage.

Are there any exceptions to the certificate of Insurance?

All the terms and conditions of the certificate of Insurance must be maintained at all times for it to be a valid certificate of Insurance. Unless specified otherwise, the owner of insured RPA and/or pilot of the RPA specified in the coverage must comply with the extant provisions applicable under Requirements for Operation of Civil Remotely Piloted RPA Systems (RPAS) via F. No. 05-13/2014-AED Vol. IV and subsequent amendments.

  • The Coverage is applicable only for specific flight duration and area for which valid permit from concerned local authority has been opted.
  • The Insured shall comply with all Air navigation and Airworthiness orders and requirements issued by Competent Authority.
  • The Coverage under the certificate of Insurance is subject to maintenance of RPA as per Manufacturer's maintenance guidelines for RPA
  • The RPAS operator shall ensure that all security measures as enumerated in the Security Programme (approved by BCAS) are in place before operation of each flight.
  • The Coverage under the certificate of Insurance can not be cancelled after Risk Commencement
  • If the Insured makes any claim knowing the same to be false or fraudulent as regards amount or otherwise,
  • Coverage under this certificate of Insurance shall become void and all claims hereunder shall be forfeited.
  • RPA shall only be flown from Sunrise to Sunset with due permissions and approvals from the concerned Authorities.
  • The coverage is available only when the RPA is within Visual line of Sight.
  • Meet all the local legislation and permission requirements.

I operate for government and military projects. Can I Buy Coverage through TropoGo App?

Sorry, the insurance coverage is applicable only for Remotely Piloted Aircraft (RPA) used for civil purposes.

What all does the certificate of Insurance not cover?

  • The Coverage under this Policy is not applicable to NANO RPA
  • RPA used for recreational or training purposes are not covered
  • The Policy excludes liability directly or indirectly caused by or contributed to by or arising from the use or operation, of any computer, computer system, computer software program, malicious code, computer virus or process or any other electronic system.
  • This Policy does not cover any claim in the event of or due to or arising out of;
    • Violation of Privacy of an Individual or entity
    • for RPA being used for purposes other than mentioned on Certificate of Insurance
    • for RPA being used for carriage of munitions or weapons
  • This Policy does not cover Loss or Damage directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition or destruction of or damage to property by or under the order of any government or public or local authority or any liabilities arising there from.

What all is covered under the limit of indemnity?

The insurance provider will cover the following under limit of indemnity:

  • The liability of the insurance provider shall not exceed the Limit of Indemnity stated in the Certificate of Insurance
  • The insurers will pay any legal costs and expenses incurred in defending any action which may be brought against the insured in respect of any claim for compensatory damages covered by the certificate of Insurance with their written consent
  • If the amount paid or awarded in settlement of such claim exceeds the Limit of Indemnity then the liability of the Insurers in respect of such legal costs and expenses shall be limited to such proportion of the said legal costs and expenses as the Limit of Indemnity bears to the amount paid for compensatory damages

What all is not covered under the limit of indemnity?

The following is not covered by the insurance provider under the limit of indemnity:

  • Any injury (fatal or otherwise) or loss sustained by any of your director or employees or partners in your business during the course of their employment or contract with you
  • Any loss or damage to any property belonging to you or in your care, custody or control
  • If the RPA is used for any illegal purpose or for any purpose other than those stated in the Certificate of Insurance and as defined above
  • If the RPA is outside the geographical limits stated in the Certificate of Insurance, unless due to force majeure
  • If the RPA is being transported by any means of conveyance
  • If the RPA is landing on or taking off or attempting to do so from a place which does not comply with the recommendations laid down by the manufacturer of the RPA, except as a result of force majeure
  • Any liability assumed or rights waived by the insured under any agreement except to the extent that such liability would have attached to the insured in the absence of such agreement
  • Any claims excluded by the Nuclear Risks Exclusion Clause

What are the Eligibility criteria to buy Coverage?

Coverage Duration DAN (Drone Acknowledgement Number) OAN (Ownership Acknowledgement Number) Am I Eligible for the Cover?
Scenario -1 Same Same Same No. Multiple Coverage for the same mission is not allowed.
Scenario -2 Same Different Same Yes. You are eligible for Coverage. Please Download TropoGo App.
Scenario -3 Same Same Different No. Same DAN cannot be linked with multiple OAN. Please update your Profile with correct Information.
Scenario -4 Same Different Different Yes. You are eligible for Coverage. Please Download TropoGo App.
Scenario -5 Different Different Different Yes. You are eligible for Coverage. Please Download TropoGo App.
Scenario -6 Different Same Same Yes. You are eligible for Coverage. Please Download TropoGo App.
Scenario -7 Different Same Different Yes. You are eligible for Coverage. Please Download TropoGo App.
Scenario -8 Different Different Same Yes. You are eligible for Coverage. Please Download TropoGo App.

What are the options that I have to buy this coverage based on time usage?

HDFC ERGO offers three types of policies for commercial pilots –Hourly, Daily and Monthly.

  • Hourly Coverage: Coverage for four (4) hours of flight between sunrise to sunset.
  • Daily Coverage: Coverage for for twenty-four (24) hours of flight between sunrise to sunset.
  • Monthly Coverage: Enjoy a month-on-month cover for your drone operations.

Get more details about our commercial policies at


How does TropoGo calculate the number of days under the monthly coverage?

The monthly coverage is valid for the flying start date (as mentioned in the app at the time of purchase) + 30 days.

What makes monthly coverage different from a regular annual coverage?

The monthly coverage gives you the flexibility to renew your coverage every month. TropoGo will send you a renewal reminder a week before your coverage is about to expire. At this stage, you can choose to renew your certificate of Insurance, or switch to an hourly or daily coverage, or cancel the certificate of Insurance altogether.

This gives you the freedom to pay for the actual cover required, instead of paying the entire year.