Updated on 02/10/2022 at 06:00
- Drones are becoming more and more popular in the leisure sector.
- Besides the fun of flying, aerial photography is also possible with the highly developed technology.
- Drone insurance is required by law and must be observed.
Civil liability insurance for drones: the legal basis
What very few users know: A drone, regardless of its size, must have civil liability insurance. This is not only stipulated in German law, but also in an EU drone regulation from 2021.
Anyone who buys a drone and wants to use it should have adequate liability insurance before using it for the first time. Many providers have already included the simpler models in their liability insurance coverage, but the larger and more versatile the drone, the more likely it is that liability insurance will no longer be enough.
Determine the drone class
According to EU regulations, all drones have been divided into different risk classes. To make it easier for you to choose the right insurance for your own model, these are shown below.
The open class consists of models weighing up to 25 kilograms. The drone cannot fly outside of the user’s field of vision and is not designed to carry objects. In addition, the simplest class was divided into three levels.
- A1: The drone can fly close to people, but not over longer distances.
- A2: The distance to all people is 30 meters or more.
- A3: The flight areas must not be built up. Industrial and residential areas must be at a minimum distance of 150 meters, as well as all people not participating in the flight.
In the open class, the minimum age for drivers is 16 years.
A category that only modifies the rules of the open class when the given basic conditions cannot be met. This includes drones weighing more than 250 grams and/or models that can also be controlled out of the field of view.
Subject to approval
Currently it is still a special form that companies use mainly in tests. These drones are used as a means of transportation and therefore require special insurance and approval as a means of transportation.
What applies to all drones?
In addition to insurance, there are also a number of other regulations to consider when buying a drone.
Do I need a drone license?
Anyone who only uses drones weighing up to 250 grams does not need a driver’s license. If the weight limit is exceeded and the drone is in the A1 or A3 category, then the “small drone driver’s license” is required in the open class. This is available as part of a webinar at the Luftfahrt-Bundesamt. The exhibition takes place after the successful passing of a theoretical test.
Category A2 drone users need a long-distance pilot certificate to control them. The instruction for this is similar to driving school instruction and consists of a theoretical part and a practical part. The pilot certificate is valid for five years from receipt.
Care Risk Liability
Each owner is responsible for damage caused by their drone. For this reason, it is important to look for a high-quality insurance policy that has an adequate amount of liability. Legal protection insurance can also be useful in disputes.
AXA offers coverage for drones within private liability. Based on the M (well-secured) and L (superior protection) packages, protection is offered for drones weighing up to 250 grams and up to five kilograms in the superior class. Damages of up to 60 million euros are insured at the highest rate, as well as events that occur in the context of favors or loans of objects. Regardless of the scope of the insurance package, clients are entitled to daily cancellation.
Barmenia has a special offer with its private civil liability insurance. Drone owners who are active with their device in a club for model pilots already have an insurance claim for drones weighing up to five kilograms at the mid-price rate (superior protection). For all other policyholders, there is at least the option of including a drone weighing up to 500 grams. Those who want the best possible protection can opt for premium protection which, in addition to extensive drone insurance, offers unlimited protection worldwide. .
Are you looking for recognized drone insurance that also covers costs in case of strict liability? Then Helden.de is the right contact for you. All drones up to five kilograms are included in the insurance. The insured persons benefit from the protection in accordance with the applicable aeronautical legislation. Domestic flights are also covered.
Also, this package only needs to be completed once. After that, each additional device purchased is automatically included in the insurance. Even friends and acquaintances can test drive the drone without losing insurance coverage, as long as they have a driver’s license for the required class of drone. For each reported damage, there is an excess of 150 euros for the contract holder. A fixed annual contribution of EUR 72 is required for the high level of insurance comfort, which also covers flights with cameras and sensors worldwide. The easy way to ensure high-quality drone insurance.
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