Insurance: Coverdrone vs DJI refresh

I’ve just bought my first drone ( A DJI Mini 2 ) and I’ve been reading about insurance.

What’s the best one to go for ? I was going to register for DJI refresh, but someone on reddit said that coverdrone is better and covers you for almost every possibility and that DJI refresh will deny ones where the operator was at fault.

What do most of you all use (those of you who have DJI drones) ?

Thanks.

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3 posts were merged into an existing topic: Hobbyist Drone Insurance Investigations … June 2019