Remotely Piloted Aircraft Systems (RPAS) Geoff Pratt Business - - PowerPoint PPT Presentation

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Geoff Pratt Business Relationship Manager - Aviation geoff.pratt@qbe.com Australian Association for Unmanned Systems (AAUS) – October 2018

Remotely Piloted Aircraft Systems (RPAS)

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Agenda

• Typical Covers
• Underwriting Requirements
• Underwriting Considerations
• Underwriting Information
• Policy Conditions and Exclusions
• Policy Wording & Highlights

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Industry Outline

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Typical Covers – Hull & Liability

Hull Cover:

We will replace, repair or pay for repair of, accidental loss of or damage to the RPAS

Third Party Liability

During Flight we will cover accidental bodily injury (fatal or otherwise) and accidental property damage caused by the Remote Pilot or Observers involved directly in the operation of the RPAS.

Premises Liability

Third Party Liability for operations in connection with the Insured’s RPAS Business

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Underwriting Requirements

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Liability Only or Hull & Liability

• Remote Pilots Licence - (RePL)
• r;
• CASA Training Course – QBE Approved
• The above and;
• Remote Operators Certificate (ReOC)

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Underwriting Considerations

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A remotely piloted aircraft used for commercial operations is defined as an aircraft. 1 Under the Damage by Aircraft Act: 2

The owner and operator of an aircraft are jointly and severally liable for bodily injury or property damage caused by an aircraft accident without proof of intention, negligence or other cause of action

Defining an Aircraft and Strict Liability

• 1. Civil Aviation Regulations 1998 (Cth) | 2. 1999 (Cth) |

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Technological differences

Airmanship: Skill, Proficiency and Discipline: The Art of Flight

Specialised Sophisticated Hobby

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Operational Risk

• Aerial photography/cinematography.
• Surveying.
• Advertising.

Dull

• Agricultural spraying/application.

Dirty

• Power line inspection.
• Sporting events and festivals.

Dangerous

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Underwriting Information

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We require the following underwriting information:

• RPAS
• Make/Model & Serial Number
• Insured Value
• Pilots
• RePL or certificate from QBE approved CASA trainer
• RPAS Flying Experience
• Claims History
• Utilisation
• A declaration of intended utilisation

Underwriting Information

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Policy Conditions and Exclusions

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• Due Diligence

The Insured shall at all times use due diligence and do and concur in doing everything reasonably practicable to avoid accidents and to avoid or diminish any loss hereon.

• Comply with Statutory Requirements

The Insured shall comply with all Statutory Requirements which affect the safety or maintenance or operation of the RPAS

• Illegal Uses

Whilst the RPAS is being used for any illegal purpose or for any purpose other than those stated in the Schedule.

• Manufacturer Recommendations

Whilst the RPAS 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 RPAS except as a result of force majeure.

Policy Conditions and Exclusions

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QBE RPAS Wording

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RPAS Policy Wording - Highlights

Road Transit Cover We will cover you up the limit specified on you Policy Schedule for loss or damage to the whilst in the normal course of transit by road, on a vehicle owned

• r operated by you

Section 2:(B)(c) Privacy Liability This protects the insured for claims against an invasion of privacy that may be contained in an advertisement, broadcast or telecast. QBE will pay up to 10% of the Section 2:(B) limit up to a maximum $500,000. Cover for Electronic Data There an option to cover loss or damage to the electronic data or electronic media contained in the RPAS.

• Agree

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Geoff Pratt geoff.pratt@qbe.com www.qbe.com

Thank you