What are the insurance requirements when flying a drone? Do I need drone insurance for personal or business flights? In this blog we explain when you need insurance for drone flights.

Is drone insurance mandatory?

If you want to fly a drone in Germany, you are required to take out insurance. The insurance requirement applies to private and professional drone pilots.

Drone insurance protects drone pilots from financial consequences caused by a drone.

Do drones under 250 g require insurance?

Insurance is required for drones of all sizes and weights. If you want to fly a drone under 250 grams, you will also need to take out insurance.

What insurance is there for drones?

Insurance for private use of drones

If you fly a drone as a private individual, you often don’t need special drone insurance. Damage to third parties caused by a drone is often covered by liability insurance.

You can find out whether damage caused by drones is covered by liability insurance in the insurance conditions. Drones must be explicitly named.

You are a private drone pilot if you don’t fly for work. This means:

• You are not flying on behalf of a company or organization
• They do not charge any fees to operate

Insurance for professional use of drones

If drones are used for professional purposes, it is necessary to take out insurance. Professional flights are not covered by liability insurance. There are several insurance companies that offer the option of purchasing professional liability insurance with coverage for damage caused by drones or drone insurance.

What happens if you fly a drone without insurance?

Flying a drone without insurance is a criminal offense. Flying a drone without insurance can result in a fine. If you cause damage, you will be responsible for the full amount of the damage.

When is damage not covered by insurance?

The damage will not be covered if:

• You are violating the European drone rules.
• You do not have the correct papers and certificates.
• The drone has been modified, which invalidates the European Cx marking.

Obtain the EU drone driving license

If you don’t have the right paperwork and certificates, your damages may not be covered. As a drone pilot, you are required to obtain an EU drone license if you fly a drone over 250 grams.

The training for the EU drone driving license explains all European drone rules. You will find out where you are allowed to fly with your drone mg and what rules apply to drone flights.

There are two certificates to acquire. The small EU drone driving license A1/A3 and the large EU drone driving license A2. Which certificate you need for your drone depends on the weight or Cx marking of the drone. With this decision aid you can easily calculate which certificate you need.

Do you have any questions about the EU drone driving license or drone insurance? Then don’t hesitate to contact us.