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Comment assurer son drone?

Tuesday, September 20, 2022 Dernière modification le Wednesday, September 21, 2022

Les drones font leur apparition

Un drone est un appareil volant qui est contrôlé à distance par une manette ou un programme informatique. Les entreprises y trouvent mille applications différentes allant de l’agriculture à l’arpentage, en passant par la production audiovisuelle, les opérations de surveillance, la livraison de colis et la construction. Pas étonnant que les experts prévoient que cette nouvelle technologie, développée en premier lieu pour l’armée, va générer plus de cent milliards de dollars d’ici 2025. 

La loi et les drones

Pour vous assurer de respecter les règles d'utilisation d'un drone au Canada, veuillez consulter le site de Transport Canada.

Votre assurance habitation ne couvre pas les drones

Votre drone est un aéronef, et c’est un bien exclu dans la grande majorité des polices d’assurance habitation sur le marché. Dans la section Exclusions générales de votre police, on vous rappelle que «La responsabilité découlant de la propriété, de l'utilisation ou de l'exploitation de tout aéronef ou de lieux affectés à l'atterrissage d'aéronefs, notamment les aéroports, et des activités s'y rattachant » est exclue.

Votre police d’assurance ne couvre donc pas votre drone ni votre responsabilité ! S’il cause des dommages en percutant des fils électriques ou une maison, blesse une personne ou obstrue la voie publique, ce sera à votre charge. Si vous survolez la pelouse du voisin et qu’il vous poursuit pour atteinte à la vie privée, idem! Que faire alors?

Pour une couverture complète à un prix compétitif

En fait, si l’assurance des aéronefs est exclue, c’est parce qu’il existe de l’assurance aviation pour ce genre de risque. Les entreprises ont déjà accès depuis peu à ce genre de couverture pour assurer leur responsabilité. Faites appel à un courtier spécialisé dans ce domaine avant de vous procurer un drone, afin d’avoir l’esprit tranquille.  

Vous renouvelez bientôt votre assurance habitation, pensez magasiner chez, vous obtiendrez rapidement les meilleures offres de nos partenaires assureurs. 

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