Bangkok Insurance photography drone insurance, 4 plans, from THB 1,500 per year
- Updated: 15 October 2026
Bangkok Insurance photography drone insurance, 4 plans, from THB 1,500 per year
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 1,500–6,500 per drone per year, incl. stamp duty and tax
Highlight: insurance for photography drones weighing up to 25 kg, any make, with third-party liability of THB 1,000,000, and plans that cover the drone itself up to its purchase price
You fly a drone to shoot a wedding or a mountain view. One gust of wind and the drone crashes onto someone else's roof, or falls into the water and is lost completely. The damage is both yours and other people's.
Bangkok Insurance's photography drone insurance has 4 plans. Which plan covers the drone itself, which covers liability only, and how much is the premium?
Bangkok Insurance photography drone insurance: who is it for and how much does it cost?
In short: Bangkok Insurance's photography drone insurance suits owners of drones weighing no more than 25 kilograms and no more than 5 years old who fly in Thailand. Every plan covers third-party liability, including legal defence costs, of up to THB 1,000,000. Plans 3 and 4 cover the drone itself against accidents at 100% of the purchase price (up to THB 30,000 and THB 70,000 respectively). Premiums start at THB 1,500 per year per drone (data as at 15 Oct 2026). The actual premium depends on the plan and the drone's age.
What does photography drone insurance cover?
| Plan | Damage to the drone | Third-party liability |
|---|---|---|
| Plan 1 | Not covered | THB 1,000,000 |
| Plan 2 | Not covered | THB 1,000,000 |
| Plan 3 | 100% of the purchase price (purchase price up to THB 30,000) | THB 1,000,000 |
| Plan 4 | 100% of the purchase price (purchase price up to THB 70,000) | THB 1,000,000 |
Third-party liability covers death, disability, injury, property damage and legal defence costs combined, over the whole period of insurance. Legal defence costs need the insurer's prior written consent. Plans 3 and 4 extend cover to cameras and equipment as specified in the policy.
Photography drone insurance: how much is the premium?
| Plan | New drones, up to 3 years old | Drones aged 3–5 years |
|---|---|---|
| Plan 1 | 1,500 | 1,500 |
| Plan 2 | 2,000 | 2,000 |
| Plan 3 | 3,990 | 4,500 |
| Plan 4 | 5,990 | 6,500 |
Premium per drone per year, including stamp duty and VAT. Data as at 15 October 2026. The actual premium depends on the plan, the drone's age, the purchase price and the insurer's underwriting decision. A drone priced above the limits in the table must be considered by the insurer case by case.
Worked example: a drone bought for THB 28,000, 1 year old, that crashes in strong wind
- Purchase price up to THB 30,000, Plan 3: premium THB 3,990 per year
- The limit for the drone itself equals the purchase price = THB 28,000
- For a drone up to 3 years old, the excess is THB 3,000 per incident
- If the whole drone is lost or destroyed, you would receive about 28,000 − 3,000 = THB 25,000
- If the same drone were 4 years old, the excess would be 10% of the drone's sum insured = THB 2,800, but the minimum is THB 3,000, so it would still be THB 3,000
This example is for illustration only. The amount actually paid depends on the damage assessment and the policy conditions.
Who is photography drone insurance for?
- Photographers or content creators who fly drones in public places or near people's homes
- Owners of drones priced at no more than THB 70,000 who want the drone itself covered (Plans 3–4)
- Hobby pilots who want third-party liability cover at a low premium (Plan 1)
- Businesses that use drones for photography, where the pilot is aged 20 or over
Who should not buy this plan yet?
- Drones weighing more than 25 kilograms or more than 5 years old
- Drones that have been damaged or claimed on before: the insurer does not accept them in any case
- People who will fly the drone abroad: cover applies in Thailand only
- Pilots under 18 (where the insured is an individual)
- People who want liability insurance for a shop or premises: see third-party liability insurance instead
Limits to check before you decide
- Plans 1 and 2 do not cover the drone itself; they cover third-party liability only
- Excess on the drone itself: THB 3,000 per incident for drones up to 3 years old; for drones 3–6 years old, 10% of the drone's sum insured or a minimum of THB 3,000
- You must comply with the Ministry of Transport notification on piloting unmanned aircraft and with air navigation law
- Important exclusions include war, noise and pollution, chemicals or objects released from the drone, and damage to electronic data
- The liability limit of THB 1,000,000 is a combined limit for the whole year, not per incident
If you also want accident insurance for yourself, see Happy PA accident insurance
What do I need to send to find out the actual premium for this drone?
Send just 3 things
- A photo showing the whole drone, and a photo of its serial number
- A copy of the drone's purchase receipt
- A copy of the national ID card of every pilot
Our team will check which plan suits the drone's price and age, and send you a written quote within a business day. 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
Related documents and links: Apply through Prakanthai.com on LINE
Frequently asked questions
Which plan should I choose for a DJI Mini drone priced under THB 30,000?
If you want the drone itself covered, Plan 3 supports a purchase price of up to THB 30,000. If you only need third-party liability, Plan 1 has the lowest premium.
If the drone falls into the water and is lost, can I claim?
Plans 3 and 4 cover direct loss of or damage to the drone from an accident or unforeseen event. Payment is decided under the policy conditions.
Can a friend fly it for me?
The policy extends cover to the pilot as if they were the insured. You should declare every pilot, with a copy of their national ID card, when you apply.
If I take the drone to fly in Japan, is it covered?
No. The territorial limit is Thailand only.
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 coverage and premium information on this page is based on the product information for remotely piloted aircraft (drone) insurance for photography from Bangkok Insurance Public Company Limited as at 15 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, licence no. 5104000004, providing services since 2004. Please read the policy and the quote in full before deciding.