Complete 2026 guide to insuring your DJI Mini, Mavic, Phantom, or other DJI drones in New Zealand
Mini 4K, Mini SE, Mini 2
Typical value: $400-800
Mini 3, Mini 3 Pro
Typical value: $600-1,200
Latest mini with advanced features
Typical value: $900-1,500
Air 2S, Air 3
Typical value: $1,200-1,800
Mavic 3, Mavic 3 Classic
Typical value: $1,500-2,500
Triple camera system
Typical value: $2,500-3,500
Inspire 2, Inspire 3
Typical value: $4,000-15,000
M30, M300, M350
Typical value: $8,000-25,000
| Feature | DJI Care Refresh | Third-Party Insurance |
|---|---|---|
| Cost (Mini 3) | $109 for 1 year | $150-250/year |
| Liability Coverage | ❌ Not included | ✅ Up to $10M available |
| Theft Coverage | ❌ Not covered | ✅ Full theft protection |
| Excess/Deductible | $79-149 per claim | $250-1000 (adjustable) |
| Claims Limit | 2 replacements max | Unlimited (annual limit) |
| Global Coverage | ✅ Worldwide | ✅ Worldwide |
Recommendation: For recreational users, DJI Care Refresh covers accidental damage well but lacks liability protection. Commercial users or those needing theft/liability coverage should consider third-party insurance.
The DJI Mini series is the most popular drone range in New Zealand, and for good reason. Under 250g means fewer restrictions, but you still need proper insurance protection.
Great entry-level drone. Insurance makes sense given the relatively low premium vs replacement cost.
Most popular drone in NZ. Vertical shooting and obstacle avoidance don't prevent all accidents - insurance essential.
Latest Mini with 4K/100fps. Higher value = more important to insure properly.
Budget-friendly option. Low insurance cost makes it a no-brainer to protect.
The Mavic series represents DJI's prosumer/professional lineup. Higher value means insurance is even more critical.
Hasselblad camera, no telephoto
Triple camera system, professional grade
At this price point, insurance is non-negotiable. One gimbal repair can cost $800+.
Dual camera with telephoto
Mavic drones are expensive to repair. A gimbal replacement costs $600-1,000, camera sensor repair $400-800, and body damage $300-500. One crash can easily exceed your annual premium multiple times over.
The Air series bridges the gap between Mini and Mavic - excellent cameras in a portable package. Insurance costs reflect this middle-ground pricing.
1-inch sensor in a compact body. Popular for travel photography - worldwide coverage important.
Dual cameras and 46-min flight time. Longer flights = more exposure time = insurance essential.
Many DJI owners wonder whether DJI Care Refresh is enough, or if they need separate insurance. Here's the complete breakdown:
Cost: $109-239/year (varies by model)
Cost: $150-400/year (varies by drone)
For most pilots: Third-party insurance provides better value and protection. DJI Care Refresh is useful as an add-on for easy damage repairs, but it doesn't replace proper insurance due to the lack of theft and liability coverage.
Best combo: Third-party insurance + DJI Care Refresh gives maximum protection - use Care Refresh for minor repairs (lower fee), insurance for theft/liability/major claims.
While not legally required in NZ for recreational use under 25kg, insurance is highly recommended. DJI Mini drones are expensive to replace and can still cause property damage or injury.
Yes, most comprehensive DJI insurance policies cover flyaway incidents caused by GPS failure, signal loss, or app malfunctions. However, pilot error flyaways may be excluded.
Yes, most insurers cover used DJI drones up to 5-7 years old. You'll need proof of current condition and may require a professional assessment for older or high-value models.
Most policies offer "new for old" replacement, meaning you'll get the current equivalent model. For example, a crashed Mavic Air might be replaced with the latest Air model.
Typically yes - standard accessories like batteries, propellers, gimbals, and cases are included. Third-party accessories may require additional coverage or separate listing.
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