Bangkok Insurance agricultural drone insurance, premium from THB 2,500 per year
- Published: 11 October 2026
Bangkok Insurance agricultural drone insurance, premium from THB 2,500 per year
Premium data as of 11 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 2,500–21,500 per drone per year, incl. stamp duty and tax
Key feature: choose third-party cover only, or add cover for the drone itself up to THB 400,000
A spraying drone worth several hundred thousand baht has been working for only a few months. One day it loses signal and crashes onto the roof of a greenhouse in the next field. The drone is wrecked, and someone else's property is damaged too.
What can THB 2,500 agricultural drone insurance help with, and how much do you pay if you want the drone itself covered too?
Agricultural drone insurance: who is it for and how much does it cost?
In short: Bangkok Insurance's agricultural drone insurance suits farmers and contract sprayers whose drones are no more than 5 years old. Plan 1 starts from THB 2,500 per year and covers third-party liability only, up to THB 1,000,000. If you want the drone itself covered as well, choose Plans 2–4, from THB 12,000–21,500 per year (as of 11 October 2026). The actual premium depends on the plan and the drone's age.
What does agricultural drone insurance cover?
| Coverage | Plan 1 | Plan 2 / 3 / 4 |
|---|---|---|
| Damage to the drone | Not covered | Purchase price, up to THB 200,000 / 300,000 / 400,000 |
| Third-party liability (death, bodily injury, property) | THB 1,000,000 | THB 1,000,000 |
| Legal defence costs | Subject to conditions; requires the insurer's prior consent | Subject to conditions; requires the insurer's prior consent |
| Cameras and equipment | – | Only items listed in the policy |
The THB 1,000,000 third-party liability limit is an aggregate for the whole 1-year period of insurance. Cover applies in Thailand only.
Agricultural drone insurance: roughly how much is the premium?
Premium per drone per year, incl. stamp duty and tax. Data as of 11 October 2026
| Plan | Drones up to 3 years old | Drones aged 3–5 years |
|---|---|---|
| Plan 1 (third party only) | 2,500 | 2,500 |
| Plan 2 (drone up to THB 200,000) | 12,000 | 13,000 |
| Plan 3 (drone up to THB 300,000) | 16,000 | 17,000 |
| Plan 4 (drone up to THB 400,000) | 20,000 | 21,500 |
Every figure is a starting premium. The actual premium depends on the plan, the drone's age and the insurer's underwriting decision. The quote is what counts.
Worked example: how much do you get back if your drone crashes?
Say your drone cost THB 300,000, you chose Plan 3, and an accident leaves THB 100,000 of repairs to the drone.
- Drone up to 3 years old (premium THB 16,000): less the THB 5,000 excess, leaving THB 95,000
- Drone 3–5 years old (premium THB 17,000): the excess is 10% of the drone's sum insured = 300,000 × 10% = THB 30,000, leaving THB 70,000
This example is for illustration only. The amount actually paid depends on the insurer's claim assessment under the policy conditions. The rule of thumb: the older the drone, the more you pay yourself each time.
Who is agricultural drone insurance for?
- Farmers who own a spraying or seeding drone that is no more than 5 years old
- Contract operators who fly drones over other people's fields and face risks to third-party property and people every day
- Farmer groups, community enterprises or companies with several drones that want to insure each drone separately
- Drone owners who want third-party liability insurance with a clear limit
Who should not buy this plan yet?
- Drones over 5 years old. This product only insures drones up to 5 years old
- Drones costing over THB 400,000 that need cover for their full value. The plans' maximum drone cover is THB 400,000; anything above that has to be considered by the insurer case by case
- People who want cover for damage caused by the chemicals they spray. The exclusions refer to chemicals or anything released from the drone
- People who use their drones outside Thailand. Cover applies in Thailand only
- People who want the drone itself covered but only have THB 2,500 to spend. Plan 1 does not cover the drone at all
Limits to check before you decide
- Excess on the drone: THB 5,000 per incident for drones up to 3 years old; for drones 3–5 years old, 10% of the drone's sum insured, minimum THB 5,000 per incident. There is no excess on third-party liability.
- Chemical exclusion: don't assume that damage involving chemicals or anything released from the drone is automatically covered. Describe the work clearly before you buy.
- The third-party limit is for the whole year: THB 1,000,000 over the whole period of insurance, not per incident.
- The drone's sum insured is based on its purchase price: you need proof of the purchase price, and cover is capped at the maximum for the plan you choose.
- Insurance is not a flight permit: you still need to register and get permission to fly from the Civil Aviation Authority of Thailand (CAAT) through the UAS Portal, depending on the drone's weight and the type of work.
- Loss history is taken into account: the insurer looks at your loss or claims history before accepting cover.
Want to understand the excess (deductible) more clearly? Read Excess vs Deductible: what is the difference?
Want to know which plan suits your drone, and what you need to send?
Send just 3 things
- Make, model and year of purchase of the drone
- Proof of purchase price, such as a receipt
- How it is used, e.g. spraying your own fields or contract spraying
Our team will send you a written quote within a business day, showing the plan whose sum insured best fits the drone's price, the premium incl. tax and duty, and the excess you pay yourself per incident. If a plan is good value, we will tell you straight. If the conditions differ, we will explain the differences before you pay.
LINE Official: @prakanthai · Tel. +66 2 459 2223
Frequently asked questions
Once I've bought drone insurance, can I fly straight away?
Not automatically. The policy is separate from registration and permission to fly, which you must obtain from CAAT through the UAS Portal depending on the drone's weight, the type of work and where you fly.
I have 2 drones. Can they go on one policy?
The premiums in the table are per drone. Send us the details of each drone and our team will check with the insurer whether they go on one policy or separate ones.
What documents do I need to apply?
The application form, proof of identity (a company registration certificate for juristic persons), documents for the drone pilot, photos of the drone with the Serial Number clearly visible, and proof of purchase price.
My drone has crashed before and I've made a claim. Can I still get cover?
The insurer has criteria for reviewing loss and claims history before accepting cover. Tell us your history truthfully and our team will pass it to the insurer to consider.
The pilot is an employee, not the owner. Is that covered?
When you apply, you need to provide documents for each pilot. Give the names of everyone who will actually fly the drone.
Who approves claims: Prakanthai.com or Bangkok Insurance?
Underwriting and claim payments are decided by Bangkok Insurance. As the broker, Prakanthai.com helps coordinate and follows up for you.
Notes
The cover and premium information on this page is based on Bangkok Insurance Public Company Limited's product information for agricultural drone insurance as of 11 October 2026. It is general information and not part of the insurance contract. Premiums and conditions may change as announced by the insurer. Underwriting and claim payments are decided by the insurer. Prakanthai.com is a non-life insurance broker, not an insurer, broker licence no. 5104000004, in service since 2004. Having a policy does not replace the drone registration or flight permission required by law. Read the policy and the quote in full before you decide.